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

# Settlement

> How confirmed payments reach your own wallet

Puffin never holds your funds longer than it has to. Once a payment intent
is `CONFIRMED`, the amount (minus fees) is forwarded on-chain to your own
**settlement wallet** — an address you control, not a Puffin-custodied
balance you have to withdraw from manually.

## Set your settlement wallet

Dashboard → **Wallets** → set a settlement wallet per chain. Until one is
set for a given chain, payments on that chain settle in a `held` state and
queue safely — nothing is lost, they release automatically the moment you
add a wallet.

## Timing

By default, settlement happens as soon as a payment confirms. If you'd
rather batch payouts (end of day, for reconciliation, etc.), your account
can be configured with a settlement delay — talk to support about setting
one for your account.

## Tracking settlement

Each payment intent carries its own `settlementStatus`:

| Status                  | Meaning                                                                       |
| ----------------------- | ----------------------------------------------------------------------------- |
| `pending` / `scheduled` | Confirmed, waiting on any configured delay                                    |
| `settled`               | Funds sent to your settlement wallet — `settledAt` and `settleAmount` are set |
| `held`                  | No settlement wallet configured for this chain yet                            |
| `failed`                | The on-chain transfer didn't go through — support is notified automatically   |

`feeAmount` and `settleAmount` on the intent show exactly what was deducted
and what you received — the same numbers your dashboard reports use.

<Note>
  Settlement is separate from [bridging](/bridging) — settlement always pays
  out on the same chain the payment was received on. If you want funds
  consolidated onto a different chain after settlement, bridge them from your
  settlement wallet like you would any other funds.
</Note>