Understand your balances
See what you hold, where it sits, and what belongs to your customers.
Open Money → Balances to see your holdings by coin and network. A coin on Ethereum and the same coin on Polygon appear as separate rows.
Read the asset table
| Column | What it means |
|---|---|
| In addresses | Coins still in customer deposit addresses, before they are collected. |
| In treasury | Coins consolidated in the master wallet. |
| In transit | Coins currently moving, such as during a sweep or payout. |
| Held by MolnPay | Coins held in MolnPay custody, including payments at pooled invoice addresses. |
| Owed to customers | The customer balance your business is responsible for. |
| Surplus | Assets remaining after those customer balances are accounted for. |
A negative surplus means the asset holdings do not cover the amount owed. Investigate that position before using those funds elsewhere.
Find and export a balance
Use Search asset or chain, All chains, and All assets to narrow the table. Export downloads the table data. The summary tiles show the number of assets and chains and whether any position is under-collateralised.
The prepaid fee balance is separate
The Prepaid fee balance card pays MolnPay's fees. It is non-refundable service credit. Sending funds to a fee top-up address does not add them to your own crypto wallet, and depositing into your own wallet does not automatically mean you topped up fees.
Use Top up fees for service credit and Deposit for your own wallet. Plans and fee balance explains the difference.
Move your money
The Money menu contains Deposit, Withdraw, Transfer, and Swap. Withdrawals go from your own wallet to an approved withdrawal address. Withdraw and transfer explains the preparation.
If the page says balances could not be loaded, reload it later. That message means the balance is unavailable; it does not mean it is zero.