> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/idn/push-to-wallet.md).

# Push to Wallet

Push to Wallet is a 24/7/365 payment rail that lets you quickly send funds from a XFT IDN account to a beneficiary’s PayPal, Venmo, Zelle, or crypto wallet.

**When to use Push to Wallet**

* **Insurance claims:** Issue seamless claim payouts to policyholders.
* **Contractor payments:** Pay gig workers for short-term engagements or temporary contracts.
* **Promotions:** Offer financial incentives that entice mobile users to switch from competitors’ phone plans. 
* **Rebates:** Issue rebates to customers.
* **Travel reimbursements:** Send payouts to recipients for lost baggage, travel inconvenience, and more.

**Why use Push to Wallet**

* **Speed:** Quick availability of funds for beneficiaries.
* **Reach:** Access to a network of millions of external wallet users, including those who prefer alternate payment methods. 
* **Ease of use:** The ability to identify beneficiaries through email addresses and mobile phone numbers rather than lengthy account and routing numbers.

*<mark style="color:red;">**Zelle**</mark>*<mark style="color:red;">**® Disbursements**</mark> is a 24/7 payment rail that lets you quickly send funds from a XFT IDN account to a beneficiary's email address or mobile phone number through the *Zelle*® network.&#x20;

**Why use Zelle® Disbursements**

* Speed: Quick availability of funds for beneficiaries.
* Coverage: A large footprint in the United States that includes more than 1,800 banks and most consumer accounts.
* Ease of use: Easy identification of beneficiaries through email addresses and mobile phone numbers rather than lengthy account and routing numbers.

When to use Zelle® Disbursements

* Insurance claims: Offer consumers a seamless way to receive claim payments.
* Gig worker payments: Pay gig workers instantly without their sensitive banking details.
* Airline payments: Make payments to recipients for lost baggage, employee compensation, and more.

**How use Zelle® Disbursements**

1. A sender (individual, small business, or corporation) initiates a request to send money to a receiver (individual or small business).
2. The sender’s Financial Institution (FI) sends payment information to the *Zelle*® network.
3. The *Zelle*® network sends a message to the receiver’s FI.
4. The receiver’s FI processes the payment to the receiver.
5. Funds credited into receiver’s account.