A real internal balance for every currency.

Every payment you accept credits an append-only ledger, and your balance for each currency is the exact sum of that ledger — deposits, transfers, payouts and fees. Because it is append-only and idempotent, the balance is auditable to the individual entry and can only increase when funds actually arrive on-chain.

Yes. Instant internal transfers send any balance to another Payora account by email address. They are off-chain, settle immediately, and carry a small, transparent, configurable fee — useful for moving funds between your own stores or paying another account without a blockchain transaction.

Request a withdrawal to any external address from your dashboard. The minimum withdrawal is the equivalent of $50. The fee is 1.5% of the amount on Free (0.75% on Pro, 0.5% on Business) plus the network fee of that coin, and the form shows both before you confirm. The amount plus fee is held against your balance immediately, the operator reviews the request and sends it from offline keys within up to 10 business days, and the transaction hash is recorded. Pending withdrawals can be cancelled to release the hold.

No. Holds, releases and fees are idempotent and serialized per account under a balance lock, so two concurrent operations can never over-spend the same funds. Pay-link commissions are netted at read time, so the spendable figure is always accurate.

No. The balance reflects crypto funds held and controlled by the operator, not an insured deposit. It is a real-time accounting view of value you can transfer at any time or withdraw once it reaches the $50 minimum.