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

# Overview

> Access, fund, and withdraw from a user’s Paywint wallet.

Every Paywint user automatically receives a wallet when their account is created.\
The wallet stores funds, supports instant internal transfers, and can be used to pay other users or move money to external bank accounts or cards.

This section provides APIs to retrieve wallet details, add funds, and withdraw funds.

***

## What the Wallet Supports

The Paywint wallet functions as a digital balance assigned to each user. It can be used for:

* Holding funds
* Paying other Paywint users
* Funding through a linked bank account
* Withdrawing to a bank account or card
* Using wallet balance as a payment method for transactions

You do not need to create the wallet manually—Paywint creates it automatically upon first retrieval.

***

## Available APIs

<CardGroup cols={3}>
  <Card title="Get Wallet" icon="wallet" href="/api-reference/wallet/get" arrow="true">
    Retrieve a user's wallet, including current and available balance.
  </Card>

  <Card title="Fund Wallet" icon="upload" href="/api-reference/wallet/fund" arrow="true">
    Add funds to the wallet using the user’s linked bank account.
  </Card>

  <Card title="Withdraw Funds" icon="download" href="/api-reference/wallet/withdraw" arrow="true">
    Move money out of the wallet to a bank account or card.
  </Card>
</CardGroup>

***

## How It Works

<Steps>
  <Step title="Retrieve the wallet">
    Call <code>Get Wallet</code> to fetch a user’s wallet balance.\
    If the wallet does not exist yet, Paywint will automatically create one.
  </Step>

  <Step title="Fund the wallet">
    Use <code>Fund Wallet</code> to transfer money from a linked bank account into the wallet balance.
  </Step>

  <Step title="Withdraw funds">
    Use <code>Withdraw Funds</code> to move money from the wallet to a bank account or card.
  </Step>
</Steps>

***

## Best Practices

* Always call <code>Get Wallet</code> before funding or withdrawing to fetch the latest balance
* Funding uses the user’s verified bank accounts
* Withdrawal methods may require bank or card verification
* Wallet balances update instantly after most internal transfers