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

# Settlement & Auto-routing

> How moove.xyz works out which chain and which token a payment should land in, and picks the swap or bridge route to get it there — in one transaction.

moove.xyz works out the destination chain and token for you, then picks the route to get there. You approve one transaction.

<Info>
  **Web and Moove App.** Auto-routing is the same engine behind Moove Send, Moove Receive, Moove Swap and Moove Bridge on both platforms.
</Info>

## What Are The Two Halves?

**Settlement** answers *what should land, and where.*
**Routing** answers *how to get from what was sent to what should land.*

## Settlement: The Token You Chose

Every wallet on your account carries a **settlement token** — a token on a specific chain. You set it on the web under **Settings → Edit Moove Profile → Edit wallet & settlement**, and it is what any payment to you converts into.

<Steps>
  <Step title="Someone pays your handle or a payment link">
    They pay in whatever they hold, on whatever chain they hold it on.
  </Step>

  <Step title="moove.xyz reads your default wallet">
    Your default wallet, and the settlement token set on it, are the destination.
  </Step>

  <Step title="The payment converts on the way">
    Whatever arrives becomes your settlement token, in your wallet.
  </Step>
</Steps>

<Tip>
  Most people set USDC. It holds its value at about a dollar, so what you were paid is still what you have tomorrow.
</Tip>

Multiple wallets on one account each carry their own settlement token, and one is the account default. Change it any time — it only affects payments that arrive afterwards.

## Routing: Same-Chain, Cross-Token & Cross-Chain

What has to happen depends on how far apart the two sides are.

| What was sent    | What you settle in | What happens                       |
| ---------------- | ------------------ | ---------------------------------- |
| USDC on Base     | USDC on Base       | Nothing. A direct transfer.        |
| ETH on Base      | USDC on Base       | A **swap** on Base.                |
| USDC on Arbitrum | USDC on Base       | A **bridge** to Base.              |
| SOL on Solana    | USDC on Base       | A **swap and a bridge**, together. |

All four are one transaction to approve. moove.xyz selects the route across 30+ chains and 16,000+ assets and executes it inside the payment.

## Why Do Quotes Move?

A route is priced against live market liquidity and live network conditions, and neither holds still between the moment you see a quote and the moment your transaction confirms. Two things move:

* **Gas** — what the blockchain charges to include your transaction. It rises and falls with network congestion.
* **The quote itself** — the rate a swap or bridge executes at, which moves with market liquidity.

Every quote allows a small tolerance for that movement — see [Pricing](/product-prices/how-product-and-prices-work).

If a route cannot execute inside its tolerance, the transaction fails rather than filling at a price you did not agree to. Nothing moves; you try again against a fresh quote.

## Where Do You See It?

<AccordionGroup>
  <Accordion title="Moove Send">
    You pick a recipient and what you are sending. The destination chain and token come from their settlement setting, not from you.

    [Moove Send →](/transact/moove-send)
  </Accordion>

  <Accordion title="Moove Receive">
    A payment link is denominated in *your* settlement token. The payer picks their side; the link handles the rest.

    [Moove Receive →](/transact/moove-receive)
  </Accordion>

  <Accordion title="Moove Swap and Moove Bridge">
    Here you choose both sides deliberately. Routing still picks the path.

    [Moove Swap →](/transact/moove-swap) · [Moove Bridge →](/transact/moove-bridge)
  </Accordion>

  <Accordion title="Moove Ramp">
    Local currency to crypto and back. The crypto leg settles into your Moove Wallet in the token you chose.

    [Moove Ramp →](/transact/moove-ramp)
  </Accordion>
</AccordionGroup>

## What To Read Next

<CardGroup cols={3}>
  <Card title="Handles, Profiles & Aliases" icon="tags" href="/concepts/handles-profiles-and-aliases">
    How a handle resolves to a wallet.
  </Card>

  <Card title="Supported Tokens" icon="coins" href="/platform-support/supported-tokens">
    What you can settle in.
  </Card>

  <Card title="Pricing" icon="receipt" href="/product-prices/how-product-and-prices-work">
    Fees, gas and slippage, with figures.
  </Card>
</CardGroup>

One transaction, any chain, any token. Permissionless and effortless.