Understanding Your Wallet Structure: FUNDING vs LTO

Bitlease uses a dual wallet system. Each wallet serves a distinct function in the ownership structure. The FUNDING wallet holds free assets. The LTO wallet holds assets in active contracts.

This separation is structural. Understanding why two wallets exist helps you navigate the platform correctly.

Why Two Wallets Exist

A single wallet creates ambiguity. Which assets are available for withdrawal? Which assets are locked in contracts? Which funds can pay installments?

Two wallets provide clarity:
FUNDING wallet = Available capital
LTO wallet = Contract-bound assets

This structure reduces confusion and preserves contractual integrity.

FUNDING Wallet

Primary Function

The FUNDING wallet holds assets with no contractual restrictions. These assets remain available within platform policies.

What Lives Here

Deposits
When you deposit cryptocurrency or stablecoins to Bitlease, funds arrive in your FUNDING wallet first.

Free Assets
Any cryptocurrency not involved in active contracts remains here.

Withdrawal Eligible
Assets in the FUNDING wallet may be withdrawn to external addresses, subject to platform processing times and compliance procedures.

Payment Source
Installment payments for LTO contracts draw from the FUNDING wallet when needed, according to the defined payment priority structure.

Operations You Can Perform

Deposit
Transfer cryptocurrency from external wallets or exchanges to your FUNDING wallet.

Withdraw
Send assets from your FUNDING wallet to external addresses.

Convert
Exchange one cryptocurrency for another within your FUNDING wallet where supported.

Create LTO Contract
Use FUNDING wallet assets as down payments for new contracts.

Transfer Internally
Move assets between your FUNDING and LTO wallets when applicable.

Visual Indicator

When viewing your FUNDING wallet, assets display with "Free" status. This indicates availability for permitted operations.

LTO Wallet

Primary Function

The LTO wallet holds assets involved in Lease-to-Own contracts. These assets are contract-bound during active agreements.

What Lives Here

Contracted Assets
When you create an LTO contract, the leased cryptocurrency moves to your LTO wallet.

Economic Participation
You receive economic participation in these assets. Market price movement is reflected in your position during the contract term.

Locked Status
During active contracts, these assets cannot be withdrawn or transferred. This supports the payment-based structure of the agreement.

Completion Status
After the final payment is processed, assets remain in the LTO wallet but their status changes to "Free."

Visual Indicator

Assets in active contracts display "Locked" status. After contract completion, status changes to "Free" while remaining in the LTO wallet.