> For the complete documentation index, see [llms.txt](https://docs.nofi.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.nofi.money/flow-of-funds.md).

# Flow of Funds

{% hint style="info" %}
NØFI is the settlement layer underneath every partner integration: it runs KYC, provisions the self-custody wallet, matches incoming local-currency payments, and settles the result as USDC — regardless of which partner app the user started in.
{% endhint %}

*Shown with example partner:* [***DAYWA***](https://app.daywa.money/) *(Myanmar diaspora remittance app).*

![DAYWA flow of funds diagram — onboarding, collection & matching, USDC settlement](/files/XXgLTCAuxDrZ52aUcnT6)

### Stage 1 — Onboarding & KYC

1. [**DAYWA**](https://app.daywa.money/) **user** opens the exchange flow inside the DAYWA app.
2. **NØFI KYC + wallet** — NØFI verifies identity and provisions a Solana wallet for the user.
3. **Exchange started** — THB → USDC, amount locked in.

### Stage 2 — Collection & Matching

The user pays in THB via one of two rails:

* **Bank payment** — user sends THB directly, or
* **PromptPay QR** — user pays THB via QR code

Either rail lands in the **NØFI collection account**, which receives the user's THB payment. NØFI then **matches the incoming payment** by name, payment reference, and amount. Once matched, the THB is confirmed as **collected**.

### Stage 3 — USDC Settlement

1. **USDC credited** — as soon as the payment is matched, USDC is credited.
2. **DAYWA master account** — USDC is held inside NØFI, on Solana.
3. **DAYWA withdrawal** — USDC is available for withdrawal at any time.

{% hint style="success" %}
NØFI matches every incoming payment by name, reference, and amount before crediting USDC — the same rail works for any partner app, not just DAYWA. Credited USDC can be withdrawn from the partner's NØFI account at any time.
{% endhint %}

{% hint style="info" %}
**Try it live:** [app.daywa.money](https://app.daywa.money/) is DAYWA's app, built on NØFI's engine.
{% endhint %}


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