Auto Settlement - XentFi API Documentation

Overview

Why Use Auto Settlement?

⚡ Automated Operations

Eliminate manual transfer operations - funds move automatically when conditions are met

🎯 Precision Control

Define exactly when and where funds should go using configurable rules

💰 Optimize Treasury

Keep funds in the right wallets for operational needs, savings, or investments

🔒 Risk Management

Limit exposure by automatically moving funds from customer-facing addresses

📊 Audit Trail

Complete history of all settlement actions for compliance and reporting

🌐 Multi-asset

Support for all assets across multiple blockchains

How Auto Settlement Works

Key Concepts

Settlement Rules

Rules define the conditions under which funds are transferred and where they go:

Component	Description	Example
Source	Which deposit addresses or assets to monitor	All USDC deposits
Trigger	When to execute settlement	Amount > $1,000
Destination	Where to send funds	Main treasury wallet
Schedule	How often to check	Real-time or batch

Settlement Triggers

Trigger Type	Description	Use Case
Amount threshold	Settle when balance exceeds X	Large transaction handling
Time-based	Settle at specific intervals	Daily sweep
Asset-specific	Only settle certain tokens	Stablecoin consolidation
Balance-based	Settle entire balance	Zero-balance addresses
Manual override	Force settlement on demand	Emergency sweeps

Use Cases

Merchant Settlement

Scenario	Rule Configuration	Benefit
Daily sweep	Settle all funds at 6 PM daily	End-of-day reconciliation
Threshold sweep	Settle when balance > $10,000	Reduce exposure
Per-transaction	Settle each payment immediately	Real-time treasury update

Exchange Integration

Scenario	Rule Configuration	Benefit
Stablecoin consolidation	All USDC → Central USDC wallet	Liquidity management
Profit transfer	10% of each payment → Profit wallet	Automated profit capture
Fee collection	2% fee → Fee wallet	Automatic fee deduction

Multi-wallet Management

Creating Settlement Rules

Basic Rule

curl -X POST https://api.xentfi.com/v1/settlement-rules \
  -H "apiKey: your-api-key" \
  -H "orgId: your-org-id" \
  -H "Content-Type: application/json" \
  -d '{
    "masterId": "your-master-wallet-id",
    "name": "Daily USDC Sweep",
    "source": {
      "assetIds": ["usdc-asset-id"],
      "minAmount": "0",
      "maxAmount": "1000000"
    },
    "destination": {
      "address": "0xDestinationWallet..."
    }
  }'

Advanced Rule Configuration

{
    "masterId": "your-master-wallet-id",
    "name": "Tiered Settlement",
    "order": "ASC",
    "slippageTolerance": "0.5",
    "source": {
        "assetIds": [
            "usdc-asset-id",
            "usdt-asset-id"
        ],
        "minAmount": "100",
        "maxAmount": "10000"
    },
    "destination": {
        "assetId": "usdc-asset-id",
        "blockchainId": "eth-mainnet",
        "address": "0xConsolidationWallet..."
    },
    "isActive": true
}

Rule Configuration Options

Source Configuration

Parameter	Description	Example
`assetIds`	Which tokens to monitor	USDC, USDT, DAI
`minAmount`	Minimum amount to trigger	100 USDC
`maxAmount`	Maximum amount to trigger	10,000 USDC
`blockchainId`	Specific blockchain	eth-mainnet

Destination Configuration

Parameter	Description	Example
`assetId`	Output token (for swaps)	USDC
`blockchainId`	Destination blockchain	polygon-mainnet
`address`	Destination wallet address	0xDestination…

Rule Behavior

Parameter	Description	Options
`order`	Execution order	ASC (small to large), DESC (large to small)
`slippageTolerance`	Max price slippage	0.5%
`isActive`	Rule enabled/disabled	true / false

Settlement Execution

Real-time Settlement

Batch Settlement

Rule Types

Single Destination Rule

Send all funds from source to a single destination:

Conditional Rule

Send funds based on amount thresholds:

Multi-asset Rule

Different rules for different assets:

Asset	Rule	Destination
USDC	Amount > $1,000	USDC Treasury
USDT	All amounts	USDT Treasury
ETH	Daily sweep	ETH Savings

Tiered Rule

Process settlements in priority order:

Settlement Monitoring

Available Metrics

Metric	Description	Update Frequency
Total settled	Cumulative settlement volume	Real-time
Pending settlements	Awaiting execution	Real-time
Failed settlements	Transactions that failed	Real-time
Average settlement time	Time from trigger to completion	Hourly
Gas fees paid	Total settlement costs	Per transaction

Webhook Events

Event	Trigger	Payload contains
`settlement.created`	Rule triggered	Rule details, amount
`settlement.processing`	Transfer initiated	Transaction hash
`settlement.completed`	Transfer confirmed	Full transaction details
`settlement.failed`	Transfer failed	Error reason
`settlement.swept`	Batch completed	Summary of all transfers

Best Practices

Start simple - Begin with basic amount-based rules
Test on testnet - Validate rules before mainnet
Set appropriate thresholds - Avoid micro-settlements that waste gas
Monitor gas costs - Batch settlements during low-fee periods
Keep audit trail - Log all settlement events
Review regularly - Update rules as business needs change

Gas Optimization Strategies

Strategy	Description	Gas Savings
Batch settlements	Combine multiple transfers	Up to 70%
Off-peak execution	Settle during low gas times	30-50%
L2 settlement	Use Polygon/Base for settlement	90%+
Threshold minimums	Don’t settle small amounts	Prevents waste

Risk Management

Risk	Mitigation
Gas price spikes	Set slippage tolerance, use L2
Failed transactions	Retry logic with backoff
Wrong destination	Whitelist destination addresses
Orphaned funds	Monitoring and alerts
Regulatory compliance	Settlement audit trail

Troubleshooting

Rule not triggering

Possible causes:

Rule is inactive
Amount outside min/max range
Asset not in source list
Destination address invalid

Solutions:

Verify rule is active
Check amount thresholds
Confirm asset IDs
Validate destination address

Settlement failed

Possible causes:

Insufficient gas
Network congestion
Destination wallet issue
Token approval missing

Solutions:

Increase gas limit
Wait and retry
Verify destination wallet
Check token approvals

High gas costs

Solutions:

Use L2 networks (Polygon, Base)
Batch settlements
Settle during low-traffic times
Increase minimum thresholds

Duplicate settlements

Solutions:

Implement idempotency keys
Check for duplicate webhooks
Review rule configuration

Performance Metrics

Metric	Target	Description
Rule evaluation	< 100ms	Time to evaluate conditions
Transfer initiation	< 500ms	Time to start transfer
Confirmation time	Network dependent	Block confirmations
Webhook delivery	< 2 seconds	Notification time

Pricing Impact

Feature	Starter	Professional	Business	Enterprise
Settlement rules	5	25	100	Unlimited
Rule types	Basic	Advanced	Premium	Custom
Batch settlement	❌	✅	✅	✅
Custom gas strategy	❌	❌	✅	✅
Priority execution	❌	❌	✅	✅

Compliance & Reporting

Requirement	Status	Description
Settlement audit trail	✅	Complete history
Regulatory reporting	✅	Exportable reports
Tax reconciliation	✅	Per-transaction records
AML monitoring	✅	Automatic screening

Master Wallets

Source and destination wallets

Deposit Addresses

Source of incoming payments

Webhooks

Settlement notifications

Next Steps

Create settlement rules in API Reference
Set up webhooks for settlement notifications
Monitor settlement activity in dashboard

​Overview

​Why Use Auto Settlement?

⚡ Automated Operations

🎯 Precision Control

💰 Optimize Treasury

🔒 Risk Management

📊 Audit Trail

🌐 Multi-asset

​How Auto Settlement Works

​Key Concepts

​Settlement Rules

​Settlement Triggers

​Use Cases

​Merchant Settlement

​Exchange Integration

​Multi-wallet Management

​Creating Settlement Rules

​Basic Rule

​Advanced Rule Configuration

​Rule Configuration Options

​Source Configuration

​Destination Configuration

​Rule Behavior

​Settlement Execution

​Real-time Settlement

​Batch Settlement

​Rule Types

​Single Destination Rule

​Conditional Rule

​Multi-asset Rule

​Tiered Rule

​Settlement Monitoring

​Available Metrics

​Webhook Events

​Best Practices

​Gas Optimization Strategies

​Risk Management

​Troubleshooting

​Performance Metrics

​Pricing Impact

​Compliance & Reporting

​Related Products

Master Wallets

Deposit Addresses

Webhooks

​Next Steps

Overview

Why Use Auto Settlement?

How Auto Settlement Works

Key Concepts

Settlement Rules

Settlement Triggers

Use Cases

Merchant Settlement

Exchange Integration

Multi-wallet Management

Creating Settlement Rules

Basic Rule

Advanced Rule Configuration

Rule Configuration Options

Source Configuration

Destination Configuration

Rule Behavior

Settlement Execution

Real-time Settlement

Batch Settlement

Rule Types

Single Destination Rule

Conditional Rule

Multi-asset Rule

Tiered Rule

Settlement Monitoring

Available Metrics

Webhook Events

Best Practices

Gas Optimization Strategies

Risk Management

Troubleshooting

Performance Metrics

Pricing Impact

Compliance & Reporting

Related Products

Next Steps