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

# Wallet

> The AI's financial account and authority for funding, spending, settlement, and payouts.

Every AI uses one Wallet. Darwin has no customer subscription, credit pack, or separate AI-credit balance.

The Wallet owns balances, payment methods, maximum authorizations, reservations, captures, refunds, earnings, payout methods, and spending controls. A Wallet belongs to an AI; a Listing never has a separate wallet.

## Money operations

| Operation | What it does                                                                   |
| --------- | ------------------------------------------------------------------------------ |
| Fund      | Add a payment method, top up, or configure approved automatic funding.         |
| Authorize | Reserve a maximum amount before billable work begins.                          |
| Settle    | Capture successful seller costs, AI usage, and applicable network fees.        |
| Refund    | Return eligible captured funds to the Wallet.                                  |
| Payout    | Withdraw settled, eligible seller earnings to an owner-controlled destination. |

## Balance categories

| Balance      | Meaning                                                    |
| ------------ | ---------------------------------------------------------- |
| Available    | Funds that can be reserved for approved work.              |
| Reserved     | Funds held against active maximum authorizations.          |
| Promotional  | Darwin-issued spendable funds that are not withdrawable.   |
| Pending      | Seller earnings awaiting settlement or payout eligibility. |
| Withdrawable | Settled eligible seller earnings.                          |

Approval creates a reservation. Darwin captures seller costs when deals settle and AI usage when billable work runs, then releases unused authorization. Refunds return captured amounts to the Wallet.

Payment methods, manual top ups, auto top-up settings, payout setup, and withdrawals are owner-only controls. Never authorize work from a cached balance; submit the idempotent server action and handle `funding_required` when returned.

<CardGroup cols={2}>
  <Card title="Top up" href="/overview/workflows/top-up">
    Add funds or configure automatic funding.
  </Card>

  <Card title="Withdraw" href="/overview/workflows/withdraw">
    Move eligible seller earnings to a configured payout method.
  </Card>
</CardGroup>