> For the complete documentation index, see [llms.txt](https://docs.anchored.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.anchored.finance/trading-api/cash-operations/deposits.md).

# Deposits

Deposits turn wallet cash tokens into `mUSD` (`mUsdBalance`). See [getting-started/trader-questions.md](/trading-api/getting-started/trader-questions.md) for the API flow and the distinction between wallet balance and `mUSD`.

Deposits may complete instantly if the Cashier `creditBuffer` can cover the `mUSD` credit and the token withdrawal buffer has room. Otherwise they are queued for final cash settlement. See [buffer-mechanism.md](/trading-api/cash-operations/buffer-mechanism.md).

## Pre-authorization

Deposits transfer cash tokens from the user wallet to `Cashier` through `StockRouter`. The user must `approve` `StockRouter` as the spender before deposit:

```
ERC20(tokenAddress).approve(stockRouter, rawTokenAmount)
```

`rawTokenAmount = tokenAmount × 10^tokenDecimals`

### Mainnet cash token and approval spender addresses

| `x-api-chain-id` | Chain            | Cash token                                   | Approval spender (`StockRouter`)             |
| ---------------- | ---------------- | -------------------------------------------- | -------------------------------------------- |
| `8453`           | Base Mainnet     | `0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913` | `0x4f090d817fd83753988a7b0c1d76f170f8461be8` |
| `143`            | Monad Mainnet    | `0x754704Bc059F8C67012fEd69BC8A327a5aafb603` | `0x4f090d817fd83753988a7b0c1d76f170f8461be8` |
| `1`              | Ethereum Mainnet | `0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48` | `0x4f090d817fd83753988a7b0c1d76f170f8461be8` |

Check allowance:

```
GET /api/v1/users/{userId}/balance?spenderAddress={spender}
```

Use `tokenBalances[].walletAllowance`.

> Insufficient allowance: `/cash/deposits/calldata` still returns calldata, but the on-chain tx will fail.

Approval owner:

* `/cash/deposits/send` (One Click): API key bound `userAddress`
* `/cash/deposits/calldata` (self-submit): transaction sender wallet

## Build deposit calldata

```
POST /api/v1/cash/deposits/calldata
```

| Field          | Type            | Required | Description              |
| -------------- | --------------- | -------- | ------------------------ |
| `userAddress`  | string          | Yes      | User wallet.             |
| `tokenAddress` | string          | Yes      | Cash token address.      |
| `tokenAmount`  | string / number | Yes      | Amount (human-readable). |

Returns `method: deposit`, `value: "0"`.

## One Click deposit

```
POST /api/v1/cash/deposits/send
```

| Field          | Type            | Required | Description         |
| -------------- | --------------- | -------- | ------------------- |
| `tokenAddress` | string          | Yes      | Cash token address. |
| `tokenAmount`  | string / number | Yes      | Deposit amount.     |
| `gasLimit`     | number          | No       | Optional gas limit. |

Uses API key bound `userAddress` — not a request body field.

## Record deposit tx

```
POST /api/v1/cash/deposits/tx
```

| Field    | Type   | Required | Description      |
| -------- | ------ | -------- | ---------------- |
| `txHash` | string | Yes      | Deposit tx hash. |

## Query deposits

```
GET /api/v1/cash/deposits?page=1&limit=10
GET /api/v1/cash/deposits/{operationId}
```

`operationId` is backfilled by the indexer after parsing chain events.

See [operation-status.md](/trading-api/cash-operations/operation-status.md) for response fields.