> For the complete documentation index, see [llms.txt](https://docs.pay.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pay.io/learn-the-basics/what-is-the-merchant-console.md).

# What is the Merchant Console?

The **Merchant Console** is a part of core Pay.io offering for B2B iGaming operators to monitor and manage their payment gateway layer. Through Merchant Console we provide opportunity to control your cryptocurrency wallets, see and approve user transactions as well as monitor merchant transactions as highlights. 

This web-based product is designed to give B2B iGaming operators full autonomy over their cryptocurrency flows. Instead of relying on external support for every configuration change or top-up, the console puts the control back in your hands. 

It can even serve as a central hub where your finance, operations, and technical teams can collaborate to manage wallets, monitor real-time transaction flows, and generate the detailed reports needed for accurate reconciliation.

#### Why use the Merchant Console?

We built this platform to solve the operational inefficiencies that slow down crypto-native businesses. What do we target?

1. **Operational autonomy** by allowing you to manage your own Hot and Treasury wallets, set your own limits, and configure assets without relying on Pay.io support.
2. **Faster reaction times** as you can receive instant alerts for low balances or large withdrawals, allowing you to react to critical events immediately.
3. **Simplified reconciliation** through a unified view of all user and merchant activity makes end-of-month reporting and auditing effortless.

#### Key Capabilities

**Advanced Wallet Management**

Manage your treasury with a focus on security and liquidity.

* Hot Wallets and Treasury Wallets - seamless views for your operational funds (Hot Wallets) and treasury holdings.
* [Asset Configuration](/assets/asset-management-add-edit-disable.md) - Enable or disable specific cryptocurrencies and stablecoins based on your business needs.
* Automated Security - [Configure Sweep Settings](/assets/setting-up-sweeps-and-alerts.md) to automatically move excess funds to treasury storage and set Low Balance Alerts to maintain liquidity.
* [Auto-Approval Rules](/assets/user-withdrawal-limits.md) - Define specific value limits (e.g., specific daily quotas). Withdrawals under this limit are processed instantly; anything over is flagged for manual review.

**Transaction Oversight**

Gain total visibility into money movement with three dedicated views:

* User Transactions - Monitor real-time deposits and payouts with advanced filtering (by hash, user ID, or status).
* Withdrawal Requests - A dedicated queue for high-value withdrawals that require your approval based on your security settings.
* Merchant Transactions - Track internal treasury movements between your own Hot and Treasury wallets.

**Reporting and Reconciliation**

* Custom Reports - Generate detailed CSV reports filtered by date, asset, or transaction type.
* Audit-Ready Data - Every report includes full datasets (timestamps, network fees, hashes) to ensure 100% accurate reconciliation for your finance team.

**Developer Integration**

Built for scale and automation as **all key functionalities** are **covered** by public **API** **endpoints** which are thoroughly documented for easy adoption. In addition, you can:

* Generate and revoke API keys securely to integrate Pay.io with your platform.
* Webhooks - Configure event subscriptions to receive real-time updates on deposits, withdrawals, and status changes.

#### Supported Assets

The Merchant Console currently supports configuration for multiple major tokens and networks. See the full list under [List of Available Assets](/assets/asset-management-add-edit-disable/list-of-available-assets.md). 


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