> For the complete documentation index, see [llms.txt](https://docs.aquanow.io/cams/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.aquanow.io/cams/integration-guides/fiat-bridge/merchant-settlements.md).

# Merchant Settlements

### Merchant Liquidity Operations

Clients can manage their own on-platform liquidity by depositing fiat into their CAMS account, or  withdrawing fiat from their CAMS account to their bank. 

, and registering the banking instructions used for withdrawals. These operations are performed on the tenant's own corporate account (see [Corporate / Client Customer Onboarding](https://app.gitbook.com/o/-MiexXFAgJWKsPoKe3J0/s/4LnbO9QFRq3XZT6kRr2v/~/edit/~/changes/245/api-reference/integration-guides/fiat-bridge/customer-onboarding)) and are distinct from any individual customer's funding or payout activity.

### Fiat Deposits to the Platform Account

To fund their on-platform account with fiat, for example, in order to top-up liquidity before processing payouts, clients must retrieve the account's deposit instructions using [GET/v1/accounts/{accountId}/configuration](https://app.gitbook.com/s/4LnbO9QFRq3XZT6kRr2v/api-reference/accounts/configuration#get-v1-accounts-accountid-configuration) 

The returned banking instructions (including IBAN or account number) must be used to ensure fiat delivery to the clients on-platform account. Special care should be given to the "beneficiaryBankMemo" which will be used to identify the clients on-platform account. 

Once the funds are received, the account balance is updated, notifying webhook is sent and a corresponding deposit transaction appears in GET /v1/transactions endpoint (transactionType: DEPOSIT).

### Registering Banking Instructions

Before the client can withdraw fiat to their own bank account, the destination bank account must be registered using [POST /v1/customers/{customerId}/bankinfo](https://app.gitbook.com/s/4LnbO9QFRq3XZT6kRr2v/api-reference/customers#post-v1-customers-customerid-bankinfo)

This endpoint associates a new external bank account with the clients profile record. Each customer can have up to 20 external bank accounts saved on file.

{% hint style="info" %}

* Use [GET /v1/customers/{customerId}/bankinfo](https://app.gitbook.com/s/4LnbO9QFRq3XZT6kRr2v/api-reference/customers#get-v1-customers-customerid-bankinfo) to list all bank accounts on file for a customer
* GET or [DELETE /v1/customers/{customerId}/bankinfo/{bankAccountId}](https://app.gitbook.com/s/4LnbO9QFRq3XZT6kRr2v/api-reference/customers#delete-v1-customers-customerid-bankinfo-bankaccountid) to retrieve or remove a specific bank account.
  {% endhint %}

### Fiat Withdrawals

Once a bank account has been registered (and any optional cooling-off period has elapsed), the client can withdraw fiat from their on-platform account to their bank account using [POST /v1/withdrawals](https://app.gitbook.com/s/4LnbO9QFRq3XZT6kRr2v/api-reference/withdrawals#post-v1-withdrawals).