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

# Global Wallets

> Multi-currency wallets built for global teams

Cadana Global Wallets are stored-value accounts that give your workforce the ability to store, convert, and spend earnings — instantly, securely, and without friction.

Wallets are provisioned automatically when you [create a User](/wallets/worker-wallets) for a worker. Once the worker completes [KYC](/platform/kyc-verification) and any required [tax forms](/wallets/tax-forms), their wallet is fully active.

***

## Key Features

<CardGroup cols={2}>
  <Card title="Multi-Currency Balances" icon="coins">
    Workers hold balances in multiple currencies with transparent, affordable conversion built in.
  </Card>

  <Card title="Global Cash Out" icon="money-bill-transfer">
    Withdraw to 100+ countries via bank transfer, mobile money, e-wallets, cards, and more.
  </Card>

  <Card title="Virtual USD Card" icon="credit-card">
    Issue virtual USD cards linked to wallet balances for online purchases and digital spending.
  </Card>

  <Card title="USD Savings" icon="piggy-bank">
    Hold funds in USD for currency stability in volatile markets.
  </Card>

  <Card title="US Stock Investment" icon="chart-line">
    Invest directly in US stocks from the wallet.
  </Card>

  <Card title="Virtual Accounts" icon="building-columns">
    Provision unique ACH routing and account numbers for direct funding via bank transfer.
  </Card>
</CardGroup>

***

## How Workers Get Paid

Wallets support two funding paths:

| Method               | How it works                                                                                                                                                   |
| :------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Payroll**          | Platform runs payroll through Cadana — funds are disbursed to worker wallets automatically. See [Pay Workers via Payroll](/workforce/pay-workers-via-payroll). |
| **Virtual Accounts** | Each wallet gets a unique ACH account number. External parties send funds directly via ACH credit. See [Virtual Accounts](/wallets/virtual-accounts).          |

***

## How Workers Cash Out

Workers send funds from their wallet to saved beneficiaries — bank accounts, mobile money, e-wallets, or cards in 100+ countries. See [Payout](/wallets/payout).

***

## Feature Configuration

Wallet features can be enabled or disabled per tenant or per user. Contact your account manager to configure.

| Feature          | Flag           | Scope         | Description                            |
| :--------------- | :------------- | :------------ | :------------------------------------- |
| Virtual USD Card | `virtual_card` | Tenant / User | Virtual debit card for online spending |
| Savings Vaults   | `savings`      | Tenant / User | Interest-bearing USD sub-wallet        |
| Stock Investing  | `stocks`       | Tenant / User | Direct US stock investment from wallet |
| Tax Forms        | `tax_forms`    | Tenant        | W-9, W-8BEN, W-8BEN-E, and 1099 forms  |

***

## Getting Started

<CardGroup cols={2}>
  <Card title="Set Up Worker Wallets" icon="wallet" href="/wallets/worker-wallets">
    Create Users, complete KYC, and provision wallets
  </Card>

  <Card title="Virtual Accounts" icon="building-columns" href="/wallets/virtual-accounts">
    Fund wallets via dedicated ACH accounts
  </Card>

  <Card title="Payout" icon="paper-plane" href="/wallets/payout">
    Send funds to beneficiaries worldwide
  </Card>

  <Card title="Wallets API Reference" icon="code" href="/api-reference/wallets">
    Full API documentation
  </Card>
</CardGroup>