Float Set Up and Maintenance
Your operational float is the balance held in your Hot Wallet that powers all day-to-day player activity from deposits, withdrawals, to payment gateway operations. Without sufficient liquidity per asset and network, players will be unable to transact, and your platform's payout capability will be disrupted. Maintaining a healthy float is a key and ongoing operational responsibility.
Why Float Management Matters
Each asset and network combination you have enabled requires its own positive balance. A float that is too low will stall player withdrawals. A float that is unnecessarily high exposes excess funds to operational risk. The goal is to strike the right balance by keeping enough liquidity for smooth daily operations whilst automatically securing surplus funds in your Treasury Wallet.
Pay.io gives you four tools to manage this effectively.
Setting Up and Maintaining Your Float
Fund the Float
Begin by depositing sufficient liquidity into your Hot Wallet to cover your expected daily payout volume. This should be done per asset and per network — each combination operates independently.
Navigate to the Hot Wallet page and click the “Make a deposit” button for each asset you wish to fund.
Not yet made your first deposit? See Making a Deposit for a full walkthrough
As a starting point, consider your average daily withdrawal volume per asset and ensure your float comfortably covers peak periods. You can always top up manually at any time.
Set Up Sweeps
Once your float is funded, configure a Sweep threshold for each asset. Sweeps automatically transfer any balance that exceeds your defined maximum from the Hot Wallet to your Treasury Wallet, keeping your operational exposure low and your profits secured.
Navigate to Hot Wallet, click the "Edit" icon under the "Actions" menu for the relevant asset, and configure your Maximum Retained Balance. Any amount above this threshold will be swept to your Treasury Wallet automatically.
Your Treasury Wallet is held under your own custody, not Pay.io's. Funds swept there are fully secured and can be transferred back to the Hot Wallet at any time.
Set Up a Minimum Balance Alert
In the same modal, you can define the minimum balance each asset must hold in your Hot Wallet. When the balance falls below this threshold, Pay.io will trigger an email alert so you can act before payouts are affected. The email alerts are sent out once an hour.
This is configured in the same Edit Asset modal, under the Minimum Balance Alert field.
Set your minimum balance alert comfortably above zero. A threshold that is too low may leave insufficient time to top up before player withdrawals begin to fail.
Enable Email Notifications
To ensure your team is notified in real time when a low balance alert is triggered, each team member must enable email notifications in their account settings.
Navigate to Account Details → Notification Settings and enable the Low Balance Alert notification. This ensures the right people in your team are informed when the float requires a manual top-up, keeping your operations running without interruption.
What's Next?
Making a Deposit to top up your Hot Wallet balance manually.
Setting up Sweeps and Alerts to full configuration guide for sweep thresholds and balance alerts.
Transfers to Treasury Wallet to move funds manually to your Treasury Wallet when needed.
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