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

# Accounts & Wallets

> Settlement accounts, fiat wallets, and stablecoin wallets in Thiqwave

Thiqwave manages two types of settlement infrastructure on your behalf: fiat settlement accounts and stablecoin wallets. You retain control and ownership throughout.

## Fiat Settlement Accounts

When you send or receive fiat through Thiqwave, funds are held in regulated partner settlement accounts. These accounts:

* Are held with regulated financial institutions in each corridor
* Operate as transit points during fiat transactions
* Are never Thiqwave-owned; funds are segregated in your name
* Support rapid settlement via local instant payment networks

You never interact directly with the settlement account—Thiqwave abstracts the account details. You see only the transaction flow through your Thiqwave dashboard.

***

## Stablecoin Wallets

All stablecoin settlement happens through non-custodial wallets. You choose how to manage your on-chain assets:

### Option 1: MPC Wallet (Non-Custodial)

Thiqwave creates and maintains a wallet using Multi-Party Computation (MPC) technology.

**How It Works:**

* **Key Shares**: The wallet's private key is split into shares
* **Your Control**: Your business holds one key share
* **Thiqwave Hold**: Thiqwave holds additional shares but **cannot sign transactions alone**
* **Unilateral Access**: Neither you nor Thiqwave can move funds without the other's participation
* **Always On-chain**: Stablecoins remain on the blockchain; no lockup

**Access:**

* You manage the wallet via the Thiqwave Console
* Initiate transactions via the API or dashboard
* Thiqwave co-signs transactions but cannot move funds unilaterally

***

### Option 2: Self-Custody Wallet

Connect your own blockchain wallet to Thiqwave. You remain the sole custodian.

**How It Works:**

* You provide your wallet address
* Thiqwave sends stablecoins to your address
* You retain full control and private keys
* No key sharing or MPC involvement

**Use Cases:**

* You already have secure custody infrastructure
* You want complete self-custody
* You integrate with hardware wallets or multisig contracts

***

## Account & Wallet States

| State    | Description                                                       |
| -------- | ----------------------------------------------------------------- |
| `active` | Account/wallet is fully operational                               |
| `frozen` | Account/wallet is temporarily unavailable (compliance hold, etc.) |
| `closed` | Account/wallet is permanently closed; no new transactions         |

State changes are communicated via webhooks. Monitor for `account.frozen` and `account.closed` events.

***

## Non-Custodial Model Details

Thiqwave's non-custodial approach means:

* **You Own the Keys**: Your business holds one key share
* **No Unilateral Control**: Thiqwave cannot move funds without your participation
* **No Lockup**: Stablecoins are always accessible on-chain
* **No Emergency Access**: Thiqwave cannot "take over" your wallet
* **Regulatory Clarity**: You are the custodian; Thiqwave is the settlement provider

This is different from centralized exchanges or custodial wallets. Your stablecoins live on the blockchain, protected by cryptographic key sharing.

***

## Settlement Account Hierarchy

Your account structure looks like:

```
Business Account
├── Fiat Settlement (Multiple corridors)
│   ├── UAE Fiat
│   └── Other Corridors
└── Stablecoin Wallets (Multiple networks)
    ├── USDC Polygon
    ├── USDT Ethereum
    ├── USDC Solana
    └── Other Networks/Stablecoins
```

Each fiat corridor and each stablecoin/chain combination has its own sub-account. Balances are tracked separately per corridor and per stablecoin/chain.

***

## Multi-Corridor Wallets

If you operate in multiple corridors:

* UAE fiat settles to a UAE partner account
* Stablecoins always settle on-chain to your MPC or self-custodied wallet

Each corridor is independent. Fees, rates, and settlement methods vary by corridor.

***

## Security & Compliance

* All settlement accounts are subject to real-time KYT (Know Your Transaction) monitoring
* Fiat accounts are hosted with regulated partners and subject to their compliance frameworks
* Stablecoin wallets are non-custodial; only you and Thiqwave jointly control transactions
* Account states may change based on compliance reviews or regulatory requirements

***

## Accessing Your Accounts

Manage all accounts and wallets via:

* **Thiqwave Console**: `console.thiqwave.com`
* **Accounts API**: Retrieve account details, balances, and transaction history
* **Webhooks**: Listen for account state changes and transaction updates

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Custody & Security Reference" description="Deep dive into non-custodial architecture" href="/reference/custody-security" />

  <Card title="Accounts API" description="Query and manage accounts programmatically" href="/api/accounts/overview" />

  <Card title="Thiqwave Console Guide" description="Use the dashboard to manage settlement" href="/guides/environments" />

  <Card title="How It Works" description="Understand settlement patterns" href="/concepts/how-it-works" />
</CardGroup>