> ## 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.

# Pay-ins

> How to receive fiat deposits and stablecoin transfers into the Thiqwave system

Pay-ins are how value enters the Thiqwave ecosystem. You can accept fiat deposits via bank transfers or receive stablecoins directly on-chain. The method depends on your settlement corridor and use case.

## Fiat Pay-ins

Receive fiat deposits from your customers using local instant payment networks and real-time settlement systems.

**Supported Methods (Corridor-Dependent):**

* Bank account transfers
* Virtual account collections
* Real-time payment network transfers (varies by corridor)

Fiat deposits are converted to stablecoins for settlement and can be:

* Held as stablecoins in your settlement account
* Converted back to fiat for payouts
* Transferred on-chain to customer wallets

***

## Stablecoin Pay-ins

Receive stablecoins directly to your wallet or settlement address. This is useful for:

* Protocol integrations (receiving USDC or USDT programmatically)
* Direct customer wallet transfers
* Interoperability with on-chain infrastructure

**Supported Stablecoins:**

* USDT (multi-chain)
* USDC (multi-chain)
* Local non-USD stablecoins (corridor-dependent)

**Supported Chains:**

* Ethereum
* Avalanche
* Arbitrum
* Base
* Polygon
* Tron
* Stellar
* Solana
* XRPL
* Algorand
* Sui

***

## Pay-in Lifecycle

Every pay-in progresses through states:

| State        | Description                                      |
| ------------ | ------------------------------------------------ |
| `pending`    | Pay-in received and awaiting processing          |
| `processing` | Funds being settled on-chain or fiat network     |
| `completed`  | Funds successfully received                      |
| `failed`     | Pay-in did not settle (check webhook for reason) |

Webhooks notify you of state transitions in real time. Always listen for `payin.completed` and `payin.failed` events.

***

## Pay-in Methods by Corridor

Pay-in availability varies by your settlement corridor (e.g., UAE). Check the Corridors API or your dashboard for supported methods in your region.

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Receiving Payments Guide" description="Step-by-step instructions for receiving deposits" href="/guides/receiving-payments" />

  <Card title="Webhooks Reference" description="Listen for real-time pay-in events" href="/guides/webhooks" />

  <Card title="Pay-ins API" description="Query and manage pay-ins programmatically" href="/api/payins/create" />

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