> ## Documentation Index
> Fetch the complete documentation index at: https://docs.totalis.trade/llms.txt
> Use this file to discover all available pages before exploring further.
# Funding your wallet
> Send USDC to your Solana wallet, enable trading, and withdraw. Trading funds the vault by itself; a deposit call exists if you want to pre-fund it.
You fund your account by sending USDC to your Solana wallet address. Once it lands, you are ready to
trade.
## At a glance
* Send native Solana USDC only. Placing a parlay moves the stake into your vault by itself, so there is no separate deposit step.
* Enable trading once, in the app. The API can only report whether it is on.
* Network fees are sponsored, so your wallet only needs USDC. The one exception is a small rent charge, taken in USDC, on a first withdrawal to a new address.
* One withdraw call reaches your wallet and your vault's free balance together.
## Send USDC to your wallet
| Option | Where | Time | Notes |
| - | - | - | - |
| Card or Apple Pay | In the app | About a minute | Buys USDC straight into your wallet |
| Bridge from another chain | In the app | A few minutes | From the chains the app offers. Delivers native Solana USDC |
| Send USDC directly | Any Solana wallet or exchange | Seconds | Native Solana USDC only |
To send USDC directly:
[`GET /v1/wallet`](/solana/api-reference/user/get-wallet) returns your Solana wallet `address` and
current balances.
```bash theme={null}
curl https://api.totalis.trade/v1/wallet \
-H "X-API-Key: $TOTALIS_API_KEY"
```
The same address is under **Deposit** in the app, as a QR code and a copy button. The dialog
watches the chain and updates as soon as USDC lands.
Transfer USDC to that address from any wallet or exchange that supports Solana (SPL) tokens. The
chain, token, and mint are on [Limits and fees](/solana/limits-and-fees#network).
Send only native Solana USDC at the documented mint. Bridged USDC, other tokens, and transfers
on another chain are not credited and may be unrecoverable.
Poll [`GET /v1/wallet`](/solana/api-reference/user/get-wallet) until the balance reflects your
transfer. Then [enable trading](#enable-trading) once, and you are ready to place parlays.
## Enable trading
Enable trading before you place a parlay or withdraw. This delegates signing: you let Totalis sign
transactions on your behalf inside a secure enclave, the protected environment that holds your
wallet's private key. [Vaults and custody](/solana/guides/vault-architecture) covers what that permission
does and does not allow.
You enable trading by approving a consent dialog in the app, once. The REST API cannot grant it.
`POST /v1/wallet/enable-trading` checks that delegation is in place and returns its status. It does
not grant the permission. On
older accounts it also credits any pending welcome airdrop.
Check the current state with
[`GET /v1/wallet/delegation-status`](/solana/api-reference/funds/delegation-status).
## How your balance is used
Your money sits in two places: your wallet and your vault. You do not have to deposit before you
trade.
| Where the money is | What happens |
| - | - |
| Wallet | USDC you send lands here. |
| Vault | When you place a parlay, your stake moves from the wallet into the vault and locks, in one step. |
Trade eligibility is checked against your combined wallet and vault free balance. If the total
covers your bet amount, the trade goes through.
Two calls move money between the two on purpose:
* [`POST /v1/vault/deposit`](/solana/api-reference/funds/vault-deposit) pre-funds the vault from the
wallet. Market makers use it to hold collateral ahead of quoting.
* [`POST /v1/vault/withdraw`](/solana/api-reference/funds/vault-withdraw) moves free balance back to the
wallet.
Field by field definitions of each balance are in the
[Glossary](/solana/glossary#balance-fields).
## Withdrawing
Use [`POST /v1/wallet/withdraw`](/solana/api-reference/funds/wallet-withdraw) with a recipient and amount.
```bash theme={null}
curl -X POST https://api.totalis.trade/v1/wallet/withdraw \
-H "X-API-Key: $TOTALIS_API_KEY" \
-H "Content-Type: application/json" \
-d '{ "recipient": "", "amount_usdc": 50 }'
```
### Where the money comes from
One call reaches everything that is not locked in an open position.
| Pool | What it holds | Withdrawable |
| - | - | - |
| Wallet | USDC you sent, minus holds for parlays you committed that have not funded yet | Yes |
| Vault free balance | Settled winnings and unlocked collateral: `gross - locked` | Yes, moved to your wallet first |
| Vault locked | Collateral behind your `executed` positions | No, until they settle or you cash out |
The app shows the withdrawable total as **Available to withdraw** and the locked part as **In open
positions**.
If the amount exceeds your wallet balance, Totalis first moves the shortfall from your vault to
your wallet. It waits for that transaction to confirm, then sends the external transfer. The
response then carries `vault_signature` and `vault_amount` beside the transfer `signature`.
### Rules
* Trading must be enabled. Withdrawing uses the same delegation as placing a parlay. If it has
lapsed the call returns `409`, and re-enabling trading in the app restores it.
* The key needs the `funds:withdraw` scope, the highest risk scope on a key. See
[Authentication](/solana/authentication#scopes).
* `recipient` must be a regular Solana wallet address. Token accounts, program ids, and derived
addresses are rejected, because USDC sent to them is unrecoverable. Your own wallet address is
rejected too.
* The minimum is one base unit, `0.000001` USDC. The maximum is your wallet plus vault free
balance. A larger amount returns `400` with the available breakdown in the message.
* If the recipient has never held USDC, Totalis creates its token account and fronts the rent,
about 0.002 SOL. That rent is billed back in USDC out of the withdrawal at the live SOL price:
about 0.29 USDC on 11 September 2026. The response reports it as `chargeback_usdc`, what arrived
as `delivered_usdc`, and sets `recipient_ata_created`. An amount too small to cover it is
rejected. So is the call if the SOL price is briefly unavailable. Retry in a moment.
* `Idempotency-Key` is honored and must be a UUID; anything else returns `400`. A repeat with the
same key within 24 hours replays the original success without moving funds again. The vault
deposit and withdraw calls follow the same rule.
* The call has its own per-account rate limit, listed on
[Limits and fees](/solana/limits-and-fees#rate-limits).
### When it fails
| Response | Meaning | What to do |
| - | - | - |
| `400` | Bad recipient, your own address, or more than the available balance | Fix the request |
| `409` | Wallet is no longer delegated | Enable trading in the app, then retry |
| `502` with `error.code: PARTIAL_VAULT_ONLY` | The vault move succeeded, the external transfer did not. `error.details.vault_signature` shows the vault move | Retry with the same amount. The wallet now covers it, so the vault is not tapped again |
| `502` with any other code | The transfer was broadcast but not confirmed in time | Look up the returned signature before retrying, so you do not send twice |
The partial case returns `502`, not `200`, on purpose. An idempotent retry against a `502` runs
again, where a cached `200` would replay a half-finished result.
### Withdrawing in the app
**Withdraw** sits next to Deposit on the portfolio page and offers two routes. The API endpoint above
covers only the first.
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