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

# Balances

> View merchant balances and payout readiness

Balances shows merchant-level and receiver-level balances derived from settled
payments. These balances represent **available funds in Meridian's receiver
ledger**, not live on-chain wallet balances. Use this view to understand what is
ready for withdrawal, what is pending, and how balances roll up across receiver
wallets.

<img src="https://mintcdn.com/meridian-11ea0994/2brRoqqaERcL3h3-/images/balances.jpg?fit=max&auto=format&n=2brRoqqaERcL3h3-&q=85&s=ff03b8f3cc053f7b3d0349e492452f1c" alt="Command Centre balances view" style={{ width: "100%", borderRadius: "0.5rem" }} width="2428" height="1418" data-path="images/balances.jpg" />

## How balances are calculated

All balances are pulled directly from on-chain reads and contract events.

### Merchant revenue (by network)

* **Source**: `InstantSettlement` events from the Meridian contract.
* **Calculation**: Sum of `netAmount` for all `InstantSettlement` events where
  `recipient = your wallet`, per network.
* **Networks**: Base, Optimism, Arbitrum, Polygon, Unichain, Ink, MegaETH, HyperEVM, BNB Smart Chain (BSC), Monad.

### Ready-to-withdraw balance (protocol balance)

* **Source**: `balanceReadyToWithdrawal(recipient, usdcAddress)` on the Meridian
  contract.
* **Calculation**: Direct contract read returning the amount available to
  withdraw for the selected recipient and token.

### Wallet balance (USDC on each network)

* **Source**: ERC-20 `balanceOf(wallet)` for the network’s USDC address.
* **Calculation**: Direct token balance read on each supported network.

### MRDN balances

* **Current MRDN balance**: ERC-20 `balanceOf(wallet)` on Base mainnet.
* **Total MRDN earned**: Sum of `mrdnAmount` from `CashbackPaid` events where
  `recipient = your wallet` (Base mainnet).

### Total revenue (top-line)

* **Calculation**: Sum of merchant revenue across **mainnet** networks, plus
  current MRDN balance. Testnet balances are excluded.

## What you can monitor

* **Available balance**: Funds from settled payments that can be withdrawn.
* **Pending balance**: Payments not yet settled.
* **Receiver wallet totals**: Balance breakdown by receiver.
* **Merchant rollups**: Aggregate totals across all receivers in the org.