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

# 商户结算

> 智能透明的全球资金结算服务，自动汇兑多币种交易，以灵活结算策略精准优化商户现金流。

export const SettlementCheckIcon = () => {
  const [isDark, setIsDark] = useState(false);
  useEffect(() => {
    const check = () => setIsDark(document.documentElement.classList.contains("dark"));
    check();
    const observer = new MutationObserver(check);
    observer.observe(document.documentElement, {
      attributes: true,
      attributeFilter: ["class"]
    });
    return () => observer.disconnect();
  }, []);
  return <svg width="16" height="16" viewBox="-0.5 2 20 20" fill="none" xmlns="http://www.w3.org/2000/svg" style={{
    flexShrink: 0,
    borderRadius: "50%",
    border: `1px solid ${isDark ? "#64748b" : "#000000"}`,
    marginTop: "4px"
  }}>
      <circle cx="9.14453" cy="12" r="8.57143" stroke={isDark ? "#475569" : "#CBD5E1"} strokeWidth="1.14286" />
      <path d="M13.21 9.4224L8.51895 14.1135L5.82848 11.423" stroke={isDark ? "#4D7CFF" : "#0F172A"} strokeWidth="1.56098" strokeLinejoin="round" />
    </svg>;
};

export const FeatureShowcase = ({features = [], imageSrc, imageAlt}) => {
  const [isDark, setIsDark] = useState(false);
  const checkIconSrc = "/images/essentials/merchant-settlement/check-icon.svg";
  useEffect(() => {
    const check = () => setIsDark(document.documentElement.classList.contains("dark"));
    check();
    const observer = new MutationObserver(check);
    observer.observe(document.documentElement, {
      attributes: true,
      attributeFilter: ["class"]
    });
    return () => observer.disconnect();
  }, []);
  return <div className="flex flex-col md:flex-row items-center gap-10 my-8 not-prose">
      <div className="flex-1 flex flex-col gap-8 w-full">
        {features.map((feature, i) => <div key={i} className="flex items-start gap-4">
            <span className="inline-flex shrink-0 mt-0.5" aria-hidden="true" style={{
    width: "16px",
    height: "20px",
    backgroundColor: isDark ? "#4D7CFF" : "#071f66",
    WebkitMask: `url("${checkIconSrc}") center / contain no-repeat`,
    mask: `url("${checkIconSrc}") center / contain no-repeat`
  }} />
            <div className="flex flex-col gap-1.5">
              <div style={{
    fontSize: "1rem",
    fontWeight: 600,
    color: isDark ? "#f1f5f9" : "#0f172a"
  }}>
                {feature.title}
              </div>
              <div style={{
    fontSize: "0.875rem",
    color: isDark ? "#94a3b8" : "#475569",
    lineHeight: 1.6
  }}>
                {feature.description}
              </div>
            </div>
          </div>)}
      </div>
      <div className="flex-1 w-full">
        <div className="waffo-hover-card" style={{
    borderRadius: "0.75rem",
    border: `1px solid ${isDark ? "#3f3f46" : "rgba(226,232,240,0.8)"}`,
    background: isDark ? "#18181b" : "#ffffff",
    overflow: "hidden",
    boxShadow: "0 1px 3px rgba(0,0,0,0.1)"
  }}>
          <img src={imageSrc} alt={imageAlt} className="w-full h-auto block m-0" />
        </div>
      </div>
    </div>;
};

export const CardGroup = ({children, cols = 2}) => {
  const items = Array.isArray(children) ? children.filter(Boolean) : [children];
  const layoutColumns = items.length === 3 ? 3 : cols === 1 ? 1 : 2;
  return <div className="waffo-guide-cards not-prose my-4 grid gap-4" data-columns={layoutColumns}>
      <style>{`
        .waffo-guide-cards {
          grid-template-columns: minmax(0, 1fr) !important;
        }
        .waffo-guide-cards .waffo-clickable-card {
          transition:
            transform 180ms ease,
            border-color 180ms ease,
            box-shadow 180ms ease,
            background 180ms ease !important;
        }
        html:not(.dark) .waffo-guide-cards .waffo-clickable-card:hover {
          border-color: rgba(109, 145, 245, 0.45) !important;
        }
        html.dark .waffo-guide-cards .waffo-clickable-card:hover,
        .dark .waffo-guide-cards .waffo-clickable-card:hover {
          border-color: rgba(109, 145, 245, 0.45) !important;
        }
        @media (min-width: 768px) {
          .waffo-guide-cards[data-columns="2"],
          .waffo-guide-cards[data-columns="3"] {
            grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
          }
          .waffo-guide-cards[data-columns="3"] .waffo-guide-card:nth-of-type(3) {
            grid-column: 1 / -1 !important;
          }
        }
      `}</style>
      {items}
    </div>;
};

export const Card = ({title, icon, href, children}) => {
  const resolvedHref = (() => {
    if (!href || typeof href !== "string") return href;
    if (!href.startsWith("/") || href.startsWith("//")) return href;
    if (typeof window === "undefined") return href;
    const docsPrefixMatch = window.location.pathname.match(/^\/docs(?=\/|$)/);
    const docsPrefix = docsPrefixMatch ? docsPrefixMatch[0] : "";
    if (!docsPrefix) {
      return href.startsWith("/docs/") ? href.slice(5) : href;
    }
    return href.startsWith(`${docsPrefix}/`) ? href : `${docsPrefix}${href}`;
  })();
  const Wrapper = resolvedHref ? "a" : "div";
  const interactiveClass = resolvedHref ? "waffo-clickable-card" : "";
  return <Wrapper href={resolvedHref} className={`waffo-guide-card waffo-hover-card block rounded-xl border border-slate-200 dark:border-neutral-700 bg-gradient-to-b from-slate-50 to-white dark:from-neutral-900 dark:to-neutral-950 p-6 no-underline ${interactiveClass}`}>
      <div className="flex flex-col items-start gap-3">
        <span className="inline-flex h-10 w-10 items-center justify-center rounded-lg border border-slate-200 dark:border-neutral-700 bg-white dark:bg-neutral-900 text-blue-700 dark:text-[#4D7CFF]">
          <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" strokeLinecap="round" strokeLinejoin="round" aria-hidden="true">
            {icon === "arrow-right" && <path d="M5 12h14M13 5l7 7-7 7" />}
            {icon === "bell" && <path d="M10 21h4M18 8a6 6 0 0 0-12 0c0 7-3 7-3 9h18c0-2-3-2-3-9" />}
            {icon === "code" && <>
                <path d="m16 18 6-6-6-6" />
                <path d="m8 6-6 6 6 6" />
              </>}
            {icon === "globe" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M2 12h20" />
                <path d="M12 2a15.3 15.3 0 0 1 0 20" />
                <path d="M12 2a15.3 15.3 0 0 0 0 20" />
              </>}
            {icon === "gear" && <>
                <circle cx="12" cy="12" r="3" />
                <path d="M19.4 15a1.7 1.7 0 0 0 .3 1.9l.1.1a2 2 0 1 1-2.8 2.8l-.1-.1a1.7 1.7 0 0 0-1.9-.3 1.7 1.7 0 0 0-1 1.6V21a2 2 0 1 1-4 0v-.1a1.7 1.7 0 0 0-1-1.6 1.7 1.7 0 0 0-1.9.3l-.1.1a2 2 0 1 1-2.8-2.8l.1-.1a1.7 1.7 0 0 0 .3-1.9 1.7 1.7 0 0 0-1.6-1H3a2 2 0 1 1 0-4h.1a1.7 1.7 0 0 0 1.6-1 1.7 1.7 0 0 0-.3-1.9l-.1-.1a2 2 0 1 1 2.8-2.8l.1.1a1.7 1.7 0 0 0 1.9.3H9a1.7 1.7 0 0 0 1-1.6V3a2 2 0 1 1 4 0v.1a1.7 1.7 0 0 0 1 1.6 1.7 1.7 0 0 0 1.9-.3l.1-.1a2 2 0 1 1 2.8 2.8l-.1.1a1.7 1.7 0 0 0-.3 1.9v.1a1.7 1.7 0 0 0 1.6 1h.1a2 2 0 1 1 0 4H21a1.7 1.7 0 0 0-1.6 1Z" />
              </>}
            {icon === "shield-check" && <>
                <path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10Z" />
                <path d="m9 12 2 2 4-4" />
              </>}
            {icon === "circle-check" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="m9 12 2 2 4-4" />
              </>}
            {icon === "arrow-trend-up" && <path d="m3 17 6-6 4 4 8-8M14 7h7v7" />}
            {icon === "arrows-rotate" && <>
                <path d="M21 12a9 9 0 0 1-15.5 6.2" />
                <path d="M3 12A9 9 0 0 1 18.5 5.8" />
                <path d="M21 3v6h-6" />
                <path d="M3 21v-6h6" />
              </>}
            {icon === "calendar" && <>
                <rect x="3" y="4" width="18" height="17" rx="2" />
                <path d="M16 2v4M8 2v4M3 10h18" />
              </>}
            {icon === "clock" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M12 6v6l4 2" />
              </>}
            {icon === "desktop" && <>
                <rect x="3" y="4" width="18" height="12" rx="2" />
                <path d="M8 20h8M12 16v4" />
              </>}
            {icon === "calculator" && <>
                <rect x="5" y="2" width="14" height="20" rx="2" />
                <path d="M8 6h8M8 10h.01M12 10h.01M16 10h.01M8 14h.01M12 14h.01M16 14h.01M8 18h.01M12 18h.01M16 18h.01" />
              </>}
            {icon === "plug" && <>
                <path d="M12 22v-5" />
                <path d="M9 8V2" />
                <path d="M15 8V2" />
                <path d="M18 8v5a6 6 0 0 1-12 0V8Z" />
              </>}
            {icon === "gauge" && <>
                <path d="M12 14l4-4" />
                <path d="M3.3 19a10 10 0 1 1 17.4 0" />
              </>}
            {icon === "layer-group" && <>
                <path d="m12 3 9 5-9 5-9-5 9-5Z" />
                <path d="m3 12 9 5 9-5" />
                <path d="m3 16 9 5 9-5" />
              </>}
            {icon === "laptop-mobile" && <>
                <rect x="3" y="4" width="13" height="10" rx="2" />
                <path d="M2 18h12" />
                <rect x="17" y="8" width="5" height="12" rx="1" />
              </>}
            {icon === "paintbrush" && <>
                <path d="m14 5 5 5" />
                <path d="M4 20c2 0 4-1 4-3 0-1.1-.9-2-2-2-2 0-3 2-3 4 0 .6.4 1 1 1Z" />
                <path d="m6 15 9-9a2.1 2.1 0 0 1 3 3l-9 9" />
              </>}
            {icon === "key" && <>
                <circle cx="7.5" cy="14.5" r="4.5" />
                <path d="m11 11 8-8" />
                <path d="m15 7 2 2" />
              </>}
            {icon === "circle-minus" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M8 12h8" />
              </>}
            {icon === "wallet" && <>
                <path d="M3 7h15a3 3 0 0 1 3 3v8a3 3 0 0 1-3 3H3Z" />
                <path d="M3 7V5a2 2 0 0 1 2-2h11" />
                <path d="M16 14h.01" />
              </>}
            {icon === "users" && <>
                <path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2" />
                <circle cx="9" cy="7" r="4" />
                <path d="M22 21v-2a4 4 0 0 0-3-3.9" />
                <path d="M16 3.1a4 4 0 0 1 0 7.8" />
              </>}
            {icon === "link" && <>
                <path d="M10 13a5 5 0 0 0 7.1 0l2-2a5 5 0 0 0-7.1-7.1l-1.1 1.1" />
                <path d="M14 11a5 5 0 0 0-7.1 0l-2 2a5 5 0 0 0 7.1 7.1l1.1-1.1" />
              </>}
            {icon === "eye" && <>
                <path d="M2 12s3.5-7 10-7 10 7 10 7-3.5 7-10 7S2 12 2 12Z" />
                <circle cx="12" cy="12" r="3" />
              </>}
            {icon === "file-lines" && <>
                <path d="M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8Z" />
                <path d="M14 2v6h6" />
                <path d="M8 13h8M8 17h6" />
              </>}
            {icon === "sliders" && <>
                <path d="M4 21v-7M4 10V3M12 21v-9M12 8V3M20 21v-5M20 12V3" />
                <path d="M2 14h4M10 8h4M18 16h4" />
              </>}
            {icon === "folder" && <path d="M3 6a2 2 0 0 1 2-2h5l2 2h7a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2Z" />}
            {icon === "dollar-sign" && <>
                <path d="M12 2v20" />
                <path d="M17 5H9.5a3.5 3.5 0 0 0 0 7H14a3.5 3.5 0 0 1 0 7H6" />
              </>}
            {icon === "toggle-on" && <>
                <rect x="2" y="7" width="20" height="10" rx="5" />
                <circle cx="16" cy="12" r="3" />
              </>}
            {icon === "infinity" && <path d="M18.2 8.2c2.1 0 3.8 1.7 3.8 3.8s-1.7 3.8-3.8 3.8c-4.2 0-8.2-7.6-12.4-7.6C3.7 8.2 2 9.9 2 12s1.7 3.8 3.8 3.8c4.2 0 8.2-7.6 12.4-7.6Z" />}
            {icon === "book-open" && <>
                <path d="M2 4h7a3 3 0 0 1 3 3v14a3 3 0 0 0-3-3H2Z" />
                <path d="M22 4h-7a3 3 0 0 0-3 3v14a3 3 0 0 1 3-3h7Z" />
              </>}
            {icon === "circle-play" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="m10 8 6 4-6 4Z" />
              </>}
            {icon === "gamepad" && <>
                <rect x="3" y="8" width="18" height="10" rx="5" />
                <path d="M8 13h3M9.5 11.5v3M16 13h.01M18 11h.01" />
              </>}
            {icon === "rocket" && <>
                <path d="M4.5 16.5c-1.5 1.3-2 3.5-2 5 1.5 0 3.7-.5 5-2" />
                <path d="M9 15 4 10l6-6c4-4 9-2 10-1 1 1 3 6-1 10l-6 6-5-5Z" />
                <path d="M15 9h.01" />
              </>}
            {(icon === "flask" || icon === "flask-vial") && <>
                <path d="M9 2v6L4 20a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2L15 8V2" />
                <path d="M8 2h8" />
                <path d="M7 16h10" />
              </>}
            {icon === "credit-card" && <>
                <rect x="3" y="5" width="18" height="14" rx="2" />
                <path d="M3 10h18" />
                <path d="M7 15h4" />
              </>}
            {icon === "puzzle-piece" && <path d="M14 7V4a2 2 0 0 0-2-2H8a2 2 0 0 0-2 2v3H3a1 1 0 0 0-1 1v4a2 2 0 0 0 2 2h2v3a2 2 0 0 0 2 2h4a2 2 0 0 0 2-2v-3h3a2 2 0 0 0 2-2V8a1 1 0 0 0-1-1Z" />}
            {(icon === "arrows-spin" || icon === "repeat") && <>
                <path d="M17 2l4 4-4 4" />
                <path d="M3 11V9a4 4 0 0 1 4-4h14" />
                <path d="M7 22l-4-4 4-4" />
                <path d="M21 13v2a4 4 0 0 1-4 4H3" />
              </>}
            {icon === "coins" && <>
                <ellipse cx="8" cy="7" rx="5" ry="3" />
                <path d="M3 7v6c0 1.7 2.2 3 5 3s5-1.3 5-3V7" />
                <path d="M13 10c2.8 0 5 1.3 5 3v4c0 1.7-2.2 3-5 3-1.2 0-2.3-.2-3.1-.7" />
              </>}
            {icon === "triangle-exclamation" && <>
                <path d="m21.7 18-8-14a2 2 0 0 0-3.4 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.7-3Z" />
                <path d="M12 9v4M12 17h.01" />
              </>}
            {icon === "list" && <>
                <path d="M8 6h13M8 12h13M8 18h13" />
                <path d="M3 6h.01M3 12h.01M3 18h.01" />
              </>}
            {icon === "star" && <path d="m12 2 3.1 6.3 6.9 1-5 4.9 1.2 6.8-6.2-3.3L5.8 21 7 14.2 2 9.3l6.9-1Z" />}
            {(icon === "rotate" || icon === "arrow-rotate-left") && <>
                <path d="M3 12a9 9 0 1 0 3-6.7" />
                <path d="M3 4v6h6" />
              </>}
            {icon === "clock-rotate-left" && <>
                <path d="M3 12a9 9 0 1 0 3-6.7" />
                <path d="M3 4v6h6" />
                <path d="M12 7v5l3 2" />
              </>}
            {icon === "circle-xmark" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="m15 9-6 6M9 9l6 6" />
              </>}
            {icon === "paper-plane" && <path d="m22 2-7 20-4-9-9-4Z" />}
            {icon === "signal" && <>
                <path d="M2 20h.01M7 20v-4M12 20v-8M17 20V8M22 20V4" />
              </>}
            {icon === "circle-question" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M9.1 9a3 3 0 1 1 5.8 1c0 2-3 2-3 4" />
                <path d="M12 17h.01" />
              </>}
            {icon === "palette" && <>
                <path d="M12 22a10 10 0 1 1 7.5-3.4c-.9 1-2.4.4-2.4-.9 0-1.1-.9-2-2-2h-1.4c-1.2 0-2.2 1-2.2 2.2 0 1.1.9 2.1 2.1 2.1" />
                <circle cx="7.5" cy="10.5" r=".8" />
                <circle cx="12" cy="7.5" r=".8" />
                <circle cx="16.5" cy="10.5" r=".8" />
              </>}
            {(!icon || !["arrow-right", "bell", "code", "globe", "gear", "shield-check", "circle-check", "arrow-trend-up", "arrows-rotate", "calendar", "clock", "desktop", "calculator", "plug", "gauge", "layer-group", "laptop-mobile", "paintbrush", "key", "circle-minus", "wallet", "users", "link", "eye", "file-lines", "sliders", "folder", "dollar-sign", "toggle-on", "infinity", "book-open", "circle-play", "gamepad", "rocket", "flask", "flask-vial", "credit-card", "puzzle-piece", "arrows-spin", "repeat", "coins", "triangle-exclamation", "list", "star", "rotate", "arrow-rotate-left", "clock-rotate-left", "circle-xmark", "paper-plane", "signal", "circle-question", "palette"].includes(icon)) && <path d="M13 2 4 14h7l-1 8 9-12h-7l1-8Z" />}
          </svg>
        </span>
        <div className="flex flex-col gap-2">
          <h4 className="m-0 text-base font-semibold text-slate-900 dark:text-slate-100">
            {title}
          </h4>
          <div className="m-0 text-sm leading-6 text-slate-600 dark:text-slate-300">
            {children}
          </div>
        </div>
      </div>
    </Wrapper>;
};

## 概述

为跨境商户提供智能、透明的全球化资金结算解决方案。依托灵活高效的结算机制，可将商户各类多币种交易统一归集为指定币种完成结算，统一标准化结算流程与对账账单，简化海外复杂结算规则，大幅降低商户账务管理与核对难度，助力商户高效统筹全球资金，轻松打理跨境业务收支。

## 解决的核心痛点

<CardGroup cols={2}>
  <Card title="现金流缺口" icon="clock">
    传统方式往往要求商户等待 7–30 天才能收到跨境资金，严重影响资金周转效率。
  </Card>

  <Card title="外汇黑箱" icon="arrows-left-right">
    缺乏对换汇过程中实际使用汇率的可见性，导致无法准确预测代付金额，影响财务规划。
  </Card>
</CardGroup>

<CardGroup cols={1}>
  <Card title="资金对账复杂性" icon="layer-group">
    一站式整合全球多币种交易数据，统一输出标准化结算账单，规避各地差异化结算规则带来的账务困扰，大幅简化对账流程，提升财务核对效率。
  </Card>
</CardGroup>

## 使用场景

<div className="grid grid-cols-1 gap-4 mb-6">
  <div className="waffo-hover-card border border-slate-200 dark:border-neutral-700 rounded-xl overflow-hidden flex flex-row h-[220px]">
    <div className="flex-1 dark:bg-neutral-800 flex flex-col justify-center p-5">
      <p className="font-semibold text-slate-900 dark:text-slate-100 text-lg mt-0 mb-3">跨境电商</p>
      <p className="text-slate-600 dark:text-slate-300 text-base my-0">在多个全球市场销售，并需要将各地区的收入汇总到总部账户。</p>
    </div>

    <div className="flex-1 relative">
      <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-settlement/use-case-ecommerce.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=2cf11da4a9b3b819d92eafefa3638510" alt="跨境电商使用场景" className="w-full h-full object-cover m-0" width="712" height="516" data-path="images/essentials/merchant-settlement/use-case-ecommerce.png" />
    </div>
  </div>
</div>

<div className="grid grid-cols-1 md:grid-cols-2 gap-4 mb-6">
  <div className="waffo-hover-card border border-slate-200 dark:border-neutral-700 rounded-xl overflow-hidden flex flex-col">
    <div className="h-[200px]">
      <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-settlement/use-case-saas.jpg?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=2e3cbb33dc803fe5df5356b1c7db7616" alt="SaaS 和数字化服务使用场景" className="w-full h-full object-cover m-0" width="696" height="464" data-path="images/essentials/merchant-settlement/use-case-saas.jpg" />
    </div>

    <div className="dark:bg-neutral-800 flex flex-col justify-center p-4 flex-1">
      <p className="font-semibold text-slate-900 dark:text-slate-100 text-lg mt-0 mb-3">SaaS 与数字化服务</p>
      <p className="text-slate-600 dark:text-slate-300 text-base my-0">向全球用户提供软件订阅，需要稳定的现金流以支持业务扩张。</p>
    </div>
  </div>

  <div className="waffo-hover-card border border-slate-200 dark:border-neutral-700 rounded-xl overflow-hidden flex flex-col">
    <div className="h-[200px]">
      <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-settlement/use-case-content-platform.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=e98b823f1ef0ded1ee467aeab9eb3866" alt="内容平台使用场景" className="w-full h-full object-cover m-0" width="688" height="428" data-path="images/essentials/merchant-settlement/use-case-content-platform.png" />
    </div>

    <div className="dark:bg-neutral-800 flex flex-col justify-center p-4 flex-1">
      <p className="font-semibold text-slate-900 dark:text-slate-100 text-lg mt-0 mb-3">内容平台</p>
      <p className="text-slate-600 dark:text-slate-300 text-base my-0">管理涉及多币种的广告收入与付费会员，需要透明的汇率换算。</p>
    </div>
  </div>
</div>

***

## 智能结算策略

### 灵活的结算周期

我们会根据不同商户的具体资金需求，提供差异化的结算节奏：

<div className="flex flex-col gap-3 mb-4">
  <div className="waffo-hover-card border border-slate-200 dark:border-neutral-700 rounded-xl bg-gradient-to-b from-slate-50 to-white dark:from-neutral-800 dark:to-neutral-900 overflow-hidden">
    <div className="p-6 flex flex-col gap-4">
      <div className="flex flex-col gap-3">
        <p className="font-medium text-slate-900 dark:text-slate-100 text-base m-0">T+1 快速结算</p>
        <span className="inline-flex self-start items-center px-3 py-1 rounded bg-[#edf1fe] dark:bg-blue-950/60 text-[#071f66] dark:text-blue-200 border border-transparent dark:border-blue-800/60 text-xs font-medium">适用于资金周转要求较高的商户</span>
      </div>

      <div className="border border-slate-200 dark:border-neutral-700 rounded-xl bg-white dark:bg-neutral-900 p-4">
        <div className="flex items-start gap-3">
          <SettlementCheckIcon />

          <p className="text-slate-900 dark:text-slate-200 text-sm m-0">交易后 1 个工作日到账。</p>
        </div>
      </div>
    </div>
  </div>

  <div className="grid grid-cols-1 md:grid-cols-2 gap-3">
    <div className="waffo-hover-card border border-slate-200 dark:border-neutral-700 rounded-xl bg-gradient-to-b from-slate-50 to-white dark:from-neutral-800 dark:to-neutral-900 overflow-hidden">
      <div className="p-6 flex flex-col gap-4">
        <div className="flex flex-col gap-3">
          <p className="font-medium text-slate-900 dark:text-slate-100 text-base m-0">T+10 标准结算</p>
          <span className="inline-flex items-center px-3 py-1 rounded bg-[#edf1fe] dark:bg-blue-950/60 text-[#071f66] dark:text-blue-200 border border-transparent dark:border-blue-800/60 text-xs font-medium">适用于大多数跨境商户</span>
        </div>

        <div className="border border-slate-200 dark:border-neutral-700 rounded-xl bg-white dark:bg-neutral-900 p-3">
          <div className="flex items-start gap-3">
            <SettlementCheckIcon />

            <p className="text-slate-900 dark:text-slate-200 text-sm m-0">兼顾资金效率与风控要求。</p>
          </div>
        </div>
      </div>
    </div>

    <div className="waffo-hover-card border border-slate-200 dark:border-neutral-700 rounded-xl bg-gradient-to-b from-slate-50 to-white dark:from-neutral-800 dark:to-neutral-900 overflow-hidden">
      <div className="p-6 flex flex-col gap-4">
        <div className="flex flex-col gap-3">
          <p className="font-medium text-slate-900 dark:text-slate-100 text-base m-0">周结</p>
          <span className="inline-flex items-center px-3 py-1 rounded bg-[#edf1fe] dark:bg-blue-950/60 text-[#071f66] dark:text-blue-200 border border-transparent dark:border-blue-800/60 text-xs font-medium">为大型企业量身设计</span>
        </div>

        <div className="border border-slate-200 dark:border-neutral-700 rounded-xl bg-white dark:bg-neutral-900 p-3">
          <div className="flex items-start gap-3">
            <SettlementCheckIcon />

            <p className="text-slate-900 dark:text-slate-200 text-sm m-0">按周统一结算，便于财务对账。</p>
          </div>
        </div>
      </div>
    </div>
  </div>
</div>

<Note>
  *结算周期可根据商户信用评级、交易历史等因素进行个性化配置。*
</Note>

### 多币种统一管理（聚合）

无论您的客户使用 USD、IDR、JPY 或其他币种支付，我们都会进行聚合并转换为您指定的结算币种。

* **智能币种识别：** 系统依据商户预设定价币种，结合用户实际交易地区，自动匹配对应当地币种完成收款换算，适配不同区域用户支付习惯。
* **一份结算账单：** 结算账单内同步呈现交易原始币种与最终结算币种金额，清晰列明两类币种核算数据，充分满足商户日常财务记账与经营分析需求。

<Frame>
  <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-settlement/fx-aggregation-diagram.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=b1d1d1f8362d52f24ed9775f40ca03c6" alt="Multi-currency aggregation flow: local currencies (USD, IDR, JPY) converted through Waffo to merchant's settlement currency" width="1424" height="850" data-path="images/essentials/merchant-settlement/fx-aggregation-diagram.png" />
</Frame>

***

## 外汇服务与透明定价

### 实时透明外汇

* **外汇基准定价：** 我们以多家主流银行及专业外汇服务商的市场汇率作为定价基准，确保定价公平且及时。
* **汇率透明度：** 商户可在 Dashboard 的 **Settlement** 模块中查询每笔交易实际使用的汇率，确保全程透明。

### 智能外汇执行

* **自动换汇：** 系统在结算时按当期汇率自动完成货币兑换，无需商户手动干预。
* **批量优化：** 在单个结算周期内针对同一币种的多笔交易，系统会合并进行兑换，以降低点差成本。

***

## 资金安全与智能监控

### 智能保证金管理

为在风控与商户现金流需求之间取得平衡，我们采用动态保证金策略：

* **新商户试用期：** 在初期结算期间自动预留的滚动保证金，以确保风险可控。
* **基于信用的调整：** 随着商户信用历史的积累，保证金比例将逐步下调。
* **智能释放：** 当保证金达到已批准的上限或持有期到期后，后续资金将不再继续预留并直接结算，最大化可用资金。

### 自动化异常处理

* **退款抵扣：** 发生退款时，系统会自动从待结算余额中扣除相应金额，避免现金流混淆。
* **拒付冻结：** 发生信用卡拒付时，系统会暂缓结算争议资金，直至争议处理完成。
* **风控预警：** 实时监控异常交易模式，为潜在资金风险提供提前预警。

***

## 访问与 API 集成

### 可视化仪表盘

商户门户（Merchant Portal）提供直观的结算管理界面：

<FeatureShowcase
  features={[
{
title: "结算日历",
description: "直观展示不同地区的结算周期、节假日影响以及预计代付日期。"
},
{
title: "资金监控",
description: "实时查看待结算、已结算及储备金余额等关键指标。"
},
{
title: "汇率中心",
description: "查询历史汇率、设置汇率提醒，并导出换算明细。"
}
]}
  imageSrc="/images/essentials/merchant-settlement/settlement-calendar-dashboard.png"
  imageAlt="结算日历仪表盘"
/>

### API 集成

<FeatureShowcase
  features={[
{
title: "结算查询 API",
description: "获取结算状态、结算明细及资金余额。"
},
{
title: "汇率查询 API",
description: "获取实时汇率，支持动态定价。"
},
{
title: "Webhook 通知",
description: "针对结算完成、资金到账、异常处理等关键节点发送实时通知。"
}
]}
  imageSrc="/images/essentials/merchant-settlement/api-integration.png"
  imageAlt="API 集成示意"
/>

[查看 API 文档](/docs/api-reference/zh/introduction)，了解参数示例和集成指南。

***

## 常见问题

<AccordionGroup>
  <Accordion title="同币种定价，可以支持多币种交易吗？">
    **可以。** 系统会依据商户预设定价币种，结合用户实际交易地区，自动匹配对应当地币种完成收款换算，适配不同区域用户支付习惯。
  </Accordion>

  <Accordion title="汇率是实时的吗？我可以锁定汇率吗？">
    我们的汇率基于主要金融机构的实时市场汇率。对于大额交易或对汇率敏感的商户，我们提供 **"汇率锁定"** 服务，让您在特定时间窗口内享受固定汇率。
  </Accordion>

  <Accordion title="滚动储备金何时释放？">
    如果您申请终止合作，在满足以下条件的前提下，储备金将与最后一笔结算款合并退还：

    1. 所有交易均已结算
    2. 没有未决的争议或拒付
    3. 所有费用均已结清

    整个退还流程通常在 **30 个工作日**内完成。
  </Accordion>
</AccordionGroup>

***

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