Understanding Your Wallet Structure
Understanding Your Wallet Structure
The Assets page gives you a structured view of:
What you hold
What you owe
What is active
What is transferable
Bitlease separates assets clearly to avoid confusion.
This reflects our core model:
Lease → Use → Own
Assets Page Overview
Navigate to the Assets section using the main menu or the wallet icon in the top-right corner.
NET ASSETS VALUE
When you click it, you can switch between:
Net Assets Value
Equity
Total Debt
Displays total value across both wallets in your selected currency (USD default). You can also change the default between:
(BTC)
(USD)
This means your total value is currently displayed in Bitcoin/Dollar terms.
FUNDING Section
Shows withdrawable stablecoins with:
USD balance
Bitcoin equivalent
Quick action icons
LTO Section
Shows "PRO" badge indicating dual-state custody with:
Total LTO Wallet value
Combination of Locked and Free Assets
Specialized action icons
The "PRO" badge on the Assets page indicates that this is the advanced LTO Wallet with specialized custody features.
Two Primary Wallets
Bitlease separates your holdings into two distinct wallets. Each serves a specific purpose in your ownership journey.
FUNDING Wallet holds liquid capital ready for deposits, swaps, payments, and withdrawals.
LTO Wallet manages assets under active lease-to-own contracts with dual-state custody.
This separation creates clarity in how your capital flows through the platform and ensures you always know what you can access immediately versus what's committed to contracts.
FUNDING Wallet
Purpose
The FUNDING wallet is your operational wallet for all platform activities. It primarily holds stablecoins used for payments.
What Lives Here
Stablecoins such as USDT and USDC are used as payment currency. These stablecoins serve as payment currency for:
LTO contract down payments
Monthly installment payments
Platform fees
Swaps between assets
Withdrawals to external wallets
Fully Isolated Design
The FUNDING wallet operates completely independently from the LTO Wallet. This isolation protects your operational capital from contract obligations and provides clear separation between liquid funds and assets under lease agreements.
Asset State: Always Withdrawable
Everything in your FUNDING wallet is fully liquid. You maintain complete control and can:
Withdraw to external wallets via on-chain transfer
Send to other Bitlease users via BL Pay
Use for new LTO contract down payments
Hold without restrictions or timeframes
Accessing Your FUNDING Wallet
Navigate to the Assets section using the main menu or the wallet icon in the top-right corner.
Funding wallet is liquid and supports:
Deposits (fiat or stablecoins, where enabled)
Swaps/converts
Withdrawals (subject to AML/KYT rules)
Receiving free Assets
Current USD balance (e.g., "$0.00")
Bitcoin equivalent (e.g., "≈ B0.00000000")
Quick action buttons (add, send, transfer)
Primary Functions
On the Assets page, you can add funds using:
On-Chain Deposit
BL Pay (receive from another BitLease user)
1. Add Funds
2. Choose your method
Deposit USDT or USDC via:On-Chain Deposit (from external wallets)
BL Pay (from another BitLease user)
3. Confirm
For more information, please see:
CATEGORY 2 WALLET & FUNDS MANAGEMENT/Article 7 How to Add Funds.md
What each method means
On-Chain Deposit
You deposit crypto from an external wallet
BL Pay
You receive funds from another BitLease user inside the platform.
Where your funds go
Deposited funds add to your Funding Wallet balance.
Send/Withdraw
On the Assets page, you can withdraw funds using:
On-Chain Withdrawal (to external wallets)
BL Pay (to other Bitlease users)
Send/Withdraw funds Transfer
BitLease supports internal transfers between:Funding Wallet
LTO Wallet
This matters because:Installments are paid from the LTO Wallet.
The system does not auto-deduct from Funding. You control transfers.
Transfer from Funding → LTO when:
Your LTO Wallet balance is not enough for an installment.
Transfer from LTO → Funding when:
You want to withdraw a Free asset (withdrawable once in Funding).
1. Open the Assets page
2. Click Transfer
3. Choose direction:
Funding → LTO
LTO → Funding
4. Enter the amount
5. Confirm the transfer
For more information, please see:
CATEGORY 2 WALLET & FUNDS MANAGEMENT/Article 9 How to withdraw funds cryptocurrency.md
LTO Wallet
The LTO Wallet activates when you open an LTO contract. It holds assets tied to contract conditions. It manages assets you're acquiring through installment payments.
Dual-State Custody System
Unlike the FUNDING wallet, the LTO Wallet operates with two distinct asset states running simultaneously. Dual-state custody means assets can exist in either Locked or Free status inside the same wallet
Balances Tab
The Balances tab shows:
Assets available in your wallets
Funding balances
LTO balances
Available assets for transfer
If empty, you will see:
No LTO Balance
Transfer funds from your Funding wallet to start.
Obligations Tab
When you start a Lease-to-Own contract:
You receive economic utility
You commit to installment payments
Ownership transfers after Full Settlement
This is the Lease → Use → Own cycle.
The Obligations tab displays:
Active LTO contracts
Installment schedules
Outstanding amounts
Due dates
If empty, you will see:
No Obligations
You don’t have any active lease-to-own positions.
What “Next Due (Total)” Means
This shows:
Your next installment amount
Across all contracts
Combined into one value
If no contracts exist:
It shows: N/A
What "Locked Assets" Means
Locked Assets are contract-bound and non-transferable during active LTO agreements. Locked assets are held under institutional-grade MPC custody and remain non-withdrawable until contract completion.
Characteristics
Contract-Bound
Assets tied to active LTO contracts. You're paying for these assets through installment plans, so they remain restricted until you achieve 100% ownership.
Non-Transferable
Cannot be withdrawn, sent, swapped, or moved while locked. The contract terms enforce this restriction.
MPC-Custodied
Protected by institutional-grade Multi-Party Computation custody. This provides security without single points of failure.
When Assets Lock
Assets lock in your LTO Wallet the moment you open an LTO contract. Your down payment processes, the platform acquires the cryptocurrency at the current market price, and the asset is allocated to your LTO Wallet in a locked state.
Lock Duration
Assets remain locked throughout your entire contract term. Contract duration depends on the selected LTO model and chosen repayment structure.
What You Can See
Even while locked, you maintain full visibility:
Current market value of locked assets
Your equity percentage (ownership stake)
Remaining payment obligations
Progress toward 100% ownership
Navigate to the Owning section for detailed breakdowns of locked asset status and payment schedules.
What "Free Assets" Means
Free Assets become withdrawable once transferred to the Funding Wallet. These include staking rewards, termination surplus, and released assets after contract completion.
Characteristics
Staking Rewards
Yield generated from LTO Staking Delegation appears as Free Assets. These rewards belong to you immediately and aren't subject to contract restrictions.
Termination Surplus
If a contract terminates with remaining asset value after all obligations are settled, the surplus becomes Free Assets in your LTO Wallet.
Released Assets
Upon completing all contract payments and achieving 100% equity, locked assets convert to Free Assets automatically.
Asset State: Withdrawable
Free Assets in the LTO Wallet become withdrawable once transferred to the Funding Wallet and usable for installments (payments toward other LTO contracts). You have full control over these assets.
How to Use Free Assets
Withdraw
Transfer Free Assets from LTO Wallet to external wallets via on-chain withdrawal.
Apply to New Contracts or pay installments
Use Free Assets as down payments for new LTO contracts or use them directly to pay installments.
Full Settlement Process
What Happens at Contract Completion
When you complete all installment payments, Full Settlement occurs automatically.
User repays all remaining installments → ownership unlocks instantly
This means:
You make your final monthly payment
Platform confirms payment received
Contract closes automatically
Locked Assets convert to Free Assets
You achieve 100% ownership
Full Settlement happens instantly upon final payment confirmation.
After Full Settlement
Your newly released Free Assets appear in the LTO Wallet. You can now:
Withdraw to personal custody
Use for new LTO contract down payments
Transfer between wallets as needed
Asset Flow Between Wallets
Understanding Movement
Only USDT and USDC can be transferred between FUNDING and LTO wallets.
FUNDING → LTO
Transfer stablecoins to prepare for LTO payments or to hold in the LTO Wallet structure.
LTO → FUNDING
Move Free Assets (USDT/USDC) from LTO back to FUNDING for withdrawal or operational use.
Transfer Restrictions
Locked Assets in LTO Wallet:
Cannot transfer. These remain contract-bound until Full Settlement.
Free Assets in LTO Wallet:
Can transfer to FUNDING if they are USDT or USDC. Other cryptocurrencies must be withdrawn directly or used for new LTO contracts.
FUNDING Wallet Assets:
Can transfer to LTO Wallet (USDT/USDC only).
Summary
Bitlease's wallet structure provides clarity through purposeful separation.
FUNDING Wallet is your operational center, fully liquid stablecoins ready for any action, including deposits, payments, swaps, and withdrawals. Fully isolated from LTO contracts.
LTO Wallet uses dual-state custody to manage your ownership journey. Locked Assets are contract-bound and MPC-custodied until you complete payments. Free Assets are yours outright, staking rewards, termination surplus, and released assets after Full Settlement.
Understanding this structure helps you manage deposits, track progress, make payments on time, and know exactly what you control at every stage from lease to full ownership.
Need Help?
If you encounter issues during account creation that this article does not resolve:
Contact Bitlease Support:
Email: support@bitlease.com
Subject: "Dashboard Issue"
Include: Description of the problem, any error messages, and steps you have already tried
Response time: Within 24 hours
For urgent security concerns:
Email: security@bitlease.com