# Wallets beside the bank, taxes that reconcile URL: https://www.orla.finance/en/product/crypto Markdown twin of that page. Append `.md` to any Orla page URL to get one. Exchanges and wallets in the same list as the bank, a swap priced at its minute, payouts that wait for a quorum. Orla never holds a key. #### Wallets and exchanges Where does the treasury sit, on which chain, and is that figure right now? - Six exchanges connect with a read-only key that cannot withdraw; a wallet is watched by its address, imported, or created in Orla with a twelve word seed shown once and encrypted in your browser. Orla never holds a key in the clear. - An EVM wallet names the network its books follow: Ethereum, Base, Arbitrum or Polygon; the address is the same on all of them, the balance and history are not. - Prove a wallet is yours by signing a short challenge, and it earns a Verified badge: a transfer from a verified wallet can be matched for any amount, and one from an unverified address never can. A top up of the card balance does not lean on the badge: it is credited by the deposit address it was given. - An EVM address that turns out to be a Safe says so by itself: a Safe 2 of 3 badge and a card with the owners and the threshold, read from the chain, nothing typed in. - The home board watches up to four pairs of your choice, coins and fiat together, at the rate Orla values your money at, not a trading quote; it refreshes about once an hour. - Balance history per account, the exchange's own trading result as its fourth figure, a low balance alarm, and every balance reconciled against the provider. For: Treasury, Founder, Finance lead. #### Send, receive, swap Can we move coins from here without handing over a key? - Send, receive and swap from a verified wallet, signed locally or through WalletConnect in the wallet you already use; the address is screened and the fee is estimated before the confirmation. - A swap is quoted at the best routed price with the minimum received, the network fee and Orla's own fee shown, never added on top; a route without a guaranteed minimum is refused. Ethereum, Arbitrum, Polygon, Base, TRON and Solana, with a bridge between them. - Once the chain confirms, the two legs take the amounts the chain recorded and the cost basis follows them; above the approval threshold a swap becomes a request for co-signers. - A transfer between your own wallets is neither income nor an expense, only a move between them. For: Treasury, Founder, Finance lead. #### Earn and borrow Can idle stablecoins earn without handing over the keys? - Aave v3 positions per wallet with their rates, on Ethereum, Arbitrum and Polygon; Orla never holds a key. - Calldata prepared unsigned, the health factor shown before and after, a quorum on the large ones; withdrawing all approves only what the position is worth. - Liquidation risk is watched hourly; borrowing stays off without that watch. For: Treasury, Founder, Finance lead. #### Payouts on chain Who signs the payroll, and when is a payout really out? - Up to 200 payouts per batch, on the Scale and Enterprise plans: CSV preview, duplicate warning, autosave, and a template for the next one. - A queue for signature with an approval threshold and the number of signatures it takes; the person who prepared a payment never signs it themselves, and the rule checks the batch total, so it cannot be dodged by slicing. - TRON, EVM and Solana payouts with a quorum; an on-chain row becomes executed on the broadcast, not before. On Solana the fee is paid in SOL, and the preview says so. - A contact carries its wallet per chain; changing its rails takes the trust away until it is verified again. - Paying from a Safe: the send becomes a proposal, the row says in Safe, awaiting signatures, and nothing has left until the owners sign to the threshold and execute in Safe{Wallet}. Orla checks the Safe once an hour and books the payment with its real transaction hash. - Orla opens inside Safe{Wallet} as a custom app added by its address, https://app.orla.finance/safe-app. Only an owner of that Safe gets in, by pairing the owner wallet and signing a short message; tick the payments your team already approved in Orla, press Propose in Safe, and they enter the Safe's queue as one transaction for the owners to sign there. Proposing needs the treasury features of a higher plan and is switched on space by space. - A transfer the owners sign straight in Safe{Wallet}, around the space's approvals, is marked paid outside the space's rules in the audit trail, and the owners get one notification. Nothing is reversed. For: Founder, Finance lead, Treasury. #### AML screening Is this address safe to pay? - Screen an address before you pay it or the one that just paid you; keep addresses under watch; unscreened inbound money queues up, screened by hand or hourly. - Every screening is one credit from a monthly grant that carries over up to three months, and a verdict under a week old is reused in the space for free. - The record stays: who screened what, when, and the verdict, exportable as a journal. - The same credit pays for a counterparty check by name on a contact's card: sanctions, politically exposed persons, criminal lists and adverse media, and a company confirmed in its registry. A verdict under thirty days old answers again for free. For: Treasury, Finance lead, Founder. #### Anti-fraud monitoring Is anyone we pay playing games with our payouts? - TRON and Ethereum payouts watched for the patterns fraud leaves: kickbacks, ghost employees, split payments, brand-new wallets, and links to addresses known for scams. - Nothing to set up: your wallets and the contacts with crypto addresses are watched, and the role of each counterparty decides which patterns apply to them. - A finding names who, how much and why it fired; mark it handled or normal, or open the evidence as a PDF case with a public link for 30 days. For: Treasury, Finance lead, Founder. #### Cost basis and tax What did this coin cost, after three swaps, and does the year reconcile? - Cost basis FIFO, LIFO or HIFO with the date and cost of acquisition, kept through every swap; realised crypto gains in the same report as the rest of the money. - A trade is priced at its minute; a transfer between your own wallets is not income; a deposit on Aave is not a disposal. - The year in four steps: what is not ready, does it reconcile, the return, the seal. A sealed year reports its own drift, and the book is checked against the chain. For: Accountant, Finance lead, Treasury. #### Agent wallets Can a machine pay for what it uses, and what is the worst case? - An agent gets a wallet of its own, EVM and TRON: the balance on it is its whole budget, so no mistake in any rule can spend more than you put in. - A ceiling per request and per day on the wallet, and the x402 hosts it may pay; over the per request ceiling is refused, over the daily one waits in the queue. A card issued to an agent now is a different fence: the balance loaded onto it is the whole limit. - Every dollar it moved has a receipt: which agent, whose money, how much, to whom, and who decided. A new agent starts in watch mode, and a payment from your accounts is only ever its proposal. For: Founder, Finance lead, Treasury. #### Cards from the treasury Can the team spend the stablecoin treasury on a card? - Virtual cards from one prepaid balance, Visa or Mastercard chosen once when the card is issued, topped up in USDT or USDC when the balance runs low. There is no card or bank transfer into this balance. - A top up gets a deposit address that is yours while it is open and is credited by that address, not by the amount: more or less than the figure shown, USDC where you chose USDT, or two transfers are each credited, minus the fee said up front. A transfer dated before you were given the address is never credited to you. - A card per person with a ceiling, freeze and block; the issuer's history is checked against what you allocated, so a stray charge shows up the same day. - An agent can hold a card too, and on a card issued now the loaded balance is its whole limit, with no merchant rules on the card. Refunds are answered in the books on their own. For: Founder, Team member, Office manager. #### Who can move money Who in this book can move money, and what holds them? - Roles: owner, admin, member, viewer, accountant. Swapping is its own permission, granted by the owner. - Signing rules: a threshold, the number of signatures, address book only, a monthly allowance per person counted across every door, chat and agent included. - The authority map: who can move money, and what holds each of them; a monthly oversight report frozen the day after the month ends, with the exceptions listed. For: Founder, Finance lead, Treasury.