> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payvessel.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallets Overview

> Managed external wallets for holding and moving funds

Use managed wallets to **hold balances for your business**, fund transfers, and reconcile payouts. A simple flow is:

1. Get your available wallets.
2. Check wallet balance before sending payouts.
3. Use transfer endpoints to move funds.
4. Reconcile wallet activity in your reporting flow.

<CardGroup cols={2}>
  <Card title="Wallet balance" icon="wallet" href="/wallets/wallet-balance">
    How to read available and ledger balances
  </Card>

  <Card title="Get wallets" icon="list" href="/wallets/get-wallets">
    Working with multiple wallets
  </Card>
</CardGroup>

***

## Key concepts

* **Business wallet**: primary wallet linked to your merchant account, used for most payouts.
* **Available balance**: funds you can spend immediately.
* **Ledger balance**: available balance plus pending transactions.
* **Transactions**: credits (funding, incoming payments) and debits (transfers, fees).

For request/response payloads and code samples, use the **API reference → Wallets** section. For payout flows that use wallets, see **Send Money & Payouts → Transfers**.