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

# Wallets as a Service

> Receive stablecoins, hold a USD balance, and pay out to whitelisted recipients.

Wallets as a Service (WAAS) lets you receive stablecoins, hold a USD balance, and pay out — without running wallet infrastructure or touching private keys.

You create deposit addresses on supported chains. Confirmed deposits credit your merchant USD balance. To move money out, you quote a transfer and initiate a payout to a recipient you've whitelisted.

<CardGroup cols={2}>
  <Card title="Core concepts" icon="diagram-project" href="/wallets/concepts">
    Addresses, balance, recipients, and transfers.
  </Card>

  <Card title="Create an address" icon="wallet" href="/wallets/guides/create-an-address">
    Provision your first deposit address.
  </Card>
</CardGroup>

## What you can do

<Columns cols={2}>
  <Card title="Create deposit addresses" icon="plus">
    Generate receive addresses on supported chains, on demand.
  </Card>

  <Card title="Receive stablecoins" icon="arrow-down-to-bracket">
    Accept USDC and USDT; confirmed deposits credit your USD balance.
  </Card>

  <Card title="Whitelist recipients" icon="shield-check">
    Approve bank accounts and crypto addresses in the dashboard.
  </Card>

  <Card title="Quote and pay out" icon="paper-plane">
    Lock a rate and fee, then initiate a transfer.
  </Card>
</Columns>

## How it works

<Steps>
  <Step title="Create a deposit address">
    Call the API to provision an address on a supported chain. Yara manages the keys.
  </Step>

  <Step title="Receive funds">
    Stablecoins sent to the address are confirmed and credited to your merchant USD balance. Your app is notified by webhook.
  </Step>

  <Step title="Whitelist a recipient">
    Add and approve the payout bank account or crypto address in the dashboard.
  </Step>

  <Step title="Quote, then transfer">
    Quote a payout to the recipient, then initiate the transfer from that quote.
  </Step>
</Steps>

## Supported chains and assets

WAAS supports leading stablecoins across major networks. Fetch the live list from [`GET /v1/chains`](/wallets/api-reference/overview).

| Assets     | Chains                                                               |
| ---------- | -------------------------------------------------------------------- |
| USDC, USDT | Base, Ethereum, Polygon, Solana, Arbitrum, Optimism, Celo, BSC, Tron |

<Note>
  Deposit and transfer availability can differ per chain. The `chains` endpoint returns `deposit_enabled` and `transfer_enabled` flags so you always know what's live.
</Note>