Wallets and custody

Treasury wallet

Also called: Settlement wallet

The wallet where a business collects its own funds, typically filled by sweeps from customer addresses and protected by the strictest sending rules.

Most businesses that take crypto end up with three kinds of wallet: one per customer to receive deposits, a treasury where those funds are collected, and smaller operational wallets for payouts and fees. The treasury holds the most, so it gets the tightest controls.

Typical rules for a treasury:

  • It receives sweeps from customer wallets.
  • It sends only to a short list of saved addresses, such as your payout wallet or your exchange account.
  • Every outgoing transfer needs approval from more than one person.

On Valtu

Wallets have a type: user (one per customer), treasury and operational. Sweep tasks move confirmed deposits from user wallets into a treasury or operational wallet on a schedule you choose. Approval policies can require approvals for every treasury transfer, or allow only saved addresses. A common layout is in accepting stablecoin payments.

Related terms

Keep reading.

SweepMoving confirmed deposits from many customer addresses into one wallet the business controls, an internal move that doesn't change what the customer is owed. Hot walletA wallet whose keys can sign automatically while connected, so payouts go out without manual steps; fast, but its protection depends entirely on how signing is isolated and controlled. Approval policyRules that decide, before anything is signed, whether a transfer goes straight out, waits for people to approve it, or is refused. Gas walletA wallet holding each network's native coin that tops up other wallets with exactly the fee they need, so wallets holding only tokens can still send.

More in wallets and custody: Blockchain address · Private key · Seed phrase · Custodial wallet · Self-custody · Wallet-as-a-service · Cold storage. The whole glossary.

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