---
title: "Update Merchant NGN Funding Settlement Destination"
method: PATCH
path: "/v1/merchant/funding/settlement-destination"
tags: ["public.merchant-funding"]
---

# Update Merchant NGN Funding Settlement Destination

`PATCH /v1/merchant/funding/settlement-destination`

Selects how future deposits to the merchant's permanent NGN funding account settle. USD_BALANCE preserves automatic NGN-to-USD conversion; NGN_BALANCE retains NGN in withdrawal_balance_ngn. Existing settled deposits are not changed.

## Request body

- UpdateMerchantNGNFundingSettlementRequest
  - `ngn_settlement_destination` 'USD_BALANCE' | 'NGN_BALANCE', required

## Response `200`

OK

- MerchantFundingEnvelope
  - `data` MerchantFundingResponse
    - `crypto_wallet` GithubComDayaxyzDayaExternalApiCmdServerHandlersTypesMerchantFundingCryptoWalletResponse
      - `addresses` GithubComDayaxyzDayaExternalApiCmdServerHandlersTypesMerchantFundingAddressResponse[]
        - `address` string
        - `chain` string
      - `wallet_id` string
    - `id` string
    - `ngn_account` GithubComDayaxyzDayaExternalApiCmdServerHandlersTypesMerchantFundingNGNAccountResponse
      - `account_name` string
      - `account_number` string
      - `bank_code` string
      - `bank_name` string
    - `ngn_settlement_destination` 'USD_BALANCE' | 'NGN_BALANCE'
    - `setup_status` string

## Other responses

- `400` — Invalid request
- `401` — Unauthorized
- `404` — Merchant funding configuration not found
- `500` — Internal server error

---

[API](https://skmtc.dev/daya/apis/daya-external-api-public-api.md) · [All operations](https://skmtc.dev/daya/apis/daya-external-api-public-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/daya/daya-external-api-public-api/revisions/5fc72bf91a48/schema)