# Wallets beside the bank, and a tax report that survives every swap. URL: https://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 top up sent from a verified address matches on its own, one from an unverified address never does. - 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: 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. 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. 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, the x402 hosts it may pay, the merchants its card accepts; over the per request ceiling is refused, over the daily one waits in the queue. - Every dollar it moved has a receipt: which agent, whose money, how much, to whom, and who decided. Watch mode by default; an agent never signs. For: Founder, Finance lead, Treasury. #### Cards from the treasury Can the team spend the stablecoin treasury on a card? - Virtual Visa cards from one prepaid balance, topped up in USDT or USDC when the balance runs low; a top up from a verified wallet matches on its own. - 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. - Cards for agents, fenced by merchant. Refunds and chargebacks 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.