Treasury Wallet

In Pay.io, we offer a two-wallet system — Hot Wallet and Treasury Wallet.

The Treasury Wallet is your secure, self-custody storage for funds held outside the active payment layer.

Unlike the Hot Wallet, which is managed by Pay.io to support day-to-day player transactions, the Treasury Wallet is held entirely under your custody via passkey authentication. Pay.io does not have access to these funds or holds them.

Think of it as your vault. It sits outside the operational layer, protecting your profits and surplus balances from exposure, whilst remaining accessible whenever you need to replenish your Hot Wallet or withdraw funds to an external destination entirely.

Treasury Wallet can be configured after Business Verification procedures are completed.

What's in the Treasury Wallet

The Treasury Wallet page gives you full visibility over your secured holdings through key views:

Secure Storage value which shows the total combined value of assets held in your Treasury Wallet

Balance Overview which displays a per-asset breakdown of all funds currently held in your Treasury Wallet. Each row displays the asset, network, and current balance in crypto and fiat, giving you a clear picture of your total secured holdings at a glance.

Key Actions allowing you to initiate inbound and outbound movement — a deposit directly to Treasury Wallet, a transfer back to your Hot Wallet, or a withdrawal to an external wallet or exchange.

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Treasury Wallet vs. Hot Wallet At a Glance

	Hot Wallet	Treasury Wallet
Purpose	Operational liquidity for active payment flows	Secure storage of surplus and profit funds
Custody	Managed by Boomfi	Under your own custody (passkey-protected)
Funded by	Manual deposits, transfers from Treasury	Automatic sweeps, Hot Wallet transfers, external deposits
Outbound transfers	Player withdrawals and deposits, sweeps to Treasury and manual transfers to Treasury.	Transfers to Hot Wallet, withdrawals to external wallets.
Player-facing	Yes — powers deposits and withdrawals	No
Pay.io access	No	No

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Setting up the Treasury Wallet (Admin only)

Treasury Wallets are set up automatically by Pay.io whenever a new asset is added and configured in your Hot Wallet — there is no need to create them manually on a per-asset basis.

However, before any Treasury Wallet can be used, a one-time setup is required to register your passkeys and confirm the wallets under your custody. You'll be prompted to complete the passkey registration when setting up your wallets.

Passkey Registration pop-up for Treasury Wallet configuration

Prerequisites

• At least one asset must be configured and active in your Hot Wallet. See Asset Management for guidance.

First-Time Setup

1

Navigate to the Treasury Wallet Page

From the left-hand navigation, select Treasury Wallet. If no Treasury Wallets have been confirmed yet, you will be prompted to complete the setup flow.

2

Register Your Passkeys

You will be asked to register a passkey for your Treasury Wallet. This passkey is the authentication mechanism that places Treasury wallet with its assets under your sole custody — it is not stored or accessible by Pay.io.

Store your passkey credentials securely.

Loss of your passkey may prevent access to your Treasury Wallet funds. Pay.io cannot recover access on your behalf.

3

Create Treasury Wallet With Your Passkeys

Once the passkey has been registered, you will be asked to sign the wallet creation request using your newly registered passkey. This cryptographically confirms your ownership of the Treasury Wallets being created.

4

Finalise the Process

Review the wallets to be created — one per configured asset network — and click "Done". Your Treasury Wallets will now be active and ready to receive funds.

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How the Treasury Wallet Is Funded

The Treasury Wallet can be funded in three ways:

Funding Method	Description
Automatic Sweeps	When your Hot Wallet balance exceeds the maximum retained threshold you have configured, funds are automatically transferred to your Treasury Wallet. This is the primary funding mechanism for most operations. See how to set up sweep logic per asset.
Transfers from Hot Wallet	You can manually initiate a transfer from your Hot Wallet to the Treasury Wallet at any time from the Hot Wallet page.
External Wallet Deposits	Treasury Wallets can also receive funds directly from any external wallet or exchange, bypassing the Hot Wallet entirely.

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What's Next?

• Setting up Sweeps and Alerts to automate the movement of excess funds from your Hot Wallet into your Treasury Wallet.

• Transfer From Hot Wallet to Treasury Wallet to manually move surplus funds from your operational float into secure self-custody storage.

• Transfer From Treasury Wallet to Hot Wallet to replenish your operational float by moving funds back into the Hot Wallet.

• Depositing to Your Treasury Wallet to fund your Treasury Wallet directly from an external wallet or exchange.

• Withdrawing From Your Treasury Wallet to send funds from your Treasury Wallet to an external wallet or exchange, exiting the Pay.io system entirely.