> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monieswitch.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant

<Info>
  Merchant Wallets are automatically created for registered businesses that have completed Monieswitch's KYC verification process.
</Info>

Merchant Wallets are business-centric accounts, automatically created upon successful KYC verification of a registered business on the Monieswitch platform. This wallet is designed to be the primary account for the merchant's personal and operational transactions, allowing them to manage their core finances directly within the Monieswitch ecosystem.

With access to integrated services like payouts, business transfers, and real-time balance updates, the Merchant Wallet provides a versatile base for everyday business operations. Merchants can use this wallet to handle a wide range of financial activities, from managing internal expenses to facilitating client payouts and disbursements.

## Key Features

<CardGroup>
  <Card title="Self-Funded" icon="wallet">
    Merchant Wallets are funded directly by the business, giving merchants complete control over their operational finances. Funds can be transferred into the wallet from external business accounts, allowing merchants to manage expenses, payroll, and other financial needs seamlessly.
  </Card>

  <Card title="Flexible Transactions" icon="right-left">
    The Merchant Wallet supports a wide range of transaction types, such as:

    * **Employee transfers** (e.g., payroll distribution)
    * **Business expense payments** (e.g., rent, utilities, supplies)
    * **Child account funding** (e.g., dedicated wallets for teams or departments)
  </Card>

  <Card title="Unlimited Transaction Volume" icon="gauge-max">
    Unlike Customer Wallets, Merchant Wallets have no tier-based restrictions or transaction limits. This flexibility is ideal for large businesses that require high-volume transactions and unrestricted financial management capabilities.
  </Card>
</CardGroup>

<Card horizontal title="Getting Started" href="/quickstart" icon="play">
  If you're new to Monieswitch, start with our quickstart guide to set up your wallet and begin managing your finances effortlessly.
</Card>

## Use Cases

<Tabs>
  <Tab title="Internal Expense Management">
    Merchants can use their Merchant Wallet as the primary account for handling day-to-day business expenses, such as paying for office supplies, utilities, or employee salaries. The wallet's self-funded nature and lack of tiered restrictions make it ideal for managing these types of operational costs.
  </Tab>

  <Tab title="Client Payouts and Disbursements">
    In addition to internal expenses, the Merchant Wallet can also be used to facilitate payments to clients, partners, or other external parties. Merchants can easily transfer funds from their Merchant Wallet to make payouts, disbursements, or other settlements as needed.
  </Tab>

  <Tab title="Funding Child Accounts">
    If a merchant has set up dedicated wallets for different departments, teams, or subsidiaries (known as "child accounts"), they can use the Merchant Wallet to fund those child accounts. This allows for centralized management of the business's overall financial structure.
  </Tab>
</Tabs>

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