diff --git a/app/Console/Commands/ProcessAutoWithdrawals.php b/app/Console/Commands/ProcessAutoWithdrawals.php
new file mode 100644
index 0000000..c686913
--- /dev/null
+++ b/app/Console/Commands/ProcessAutoWithdrawals.php
@@ -0,0 +1,21 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Services\Mini\AutoWithdrawService;
+use Illuminate\Console\Command;
+
+class ProcessAutoWithdrawals extends Command
+{
+    protected $signature = 'mini:process-auto-withdrawals';
+
+    protected $description = 'Withdraw wallet balances that have reached each user\'s auto-withdraw threshold.';
+
+    public function handle(AutoWithdrawService $autoWithdraw): int
+    {
+        $count = $autoWithdraw->processAll();
+        $this->info("Processed {$count} auto-withdrawal(s).");
+
+        return self::SUCCESS;
+    }
+}
diff --git a/app/Http/Controllers/Api/Mini/WalletController.php b/app/Http/Controllers/Api/Mini/WalletController.php
index e3ce5ec..876f4c4 100644
--- a/app/Http/Controllers/Api/Mini/WalletController.php
+++ b/app/Http/Controllers/Api/Mini/WalletController.php
@@ -5,6 +5,7 @@ namespace App\Http\Controllers\Api\Mini;
 use App\Http\Controllers\Api\Concerns\CallsIdentityApi;
 use App\Http\Controllers\Controller;
 use App\Services\Billing\BillingClient;
+use App\Services\Mini\AutoWithdrawService;
 use App\Services\Notifications\MiniNotificationService;
 use Illuminate\Http\JsonResponse;
 use Illuminate\Http\Request;
@@ -18,6 +19,7 @@ class WalletController extends Controller
     public function __construct(
         private BillingClient $billing,
         private MiniNotificationService $notifications,
+        private AutoWithdrawService $autoWithdraw,
     ) {}
 
     public function show(): JsonResponse
@@ -33,12 +35,39 @@ class WalletController extends Controller
             Log::warning('Mini API wallet load failed', ['user' => $account->public_id, 'error' => $e->getMessage()]);
         }
 
+        $settings = $account->getOrCreateQrSetting();
+
         return response()->json([
             'data' => [
                 'currency' => 'GHS',
                 'balance_minor' => $balanceMinor,
                 'spent_minor' => (int) ($ledger['spent_minor'] ?? 0),
                 'credited_minor' => (int) ($ledger['credited_minor'] ?? 0),
+                'auto_withdraw_amount_minor' => $settings->auto_withdraw_amount_minor,
+            ],
+        ]);
+    }
+
+    public function updateAutoWithdraw(Request $request): JsonResponse
+    {
+        $account = ladill_account();
+
+        $data = $request->validate([
+            'amount' => ['nullable', 'numeric', 'min:1', 'max:50000'],
+        ]);
+
+        $amountMinor = isset($data['amount']) ? (int) round((float) $data['amount'] * 100) : null;
+
+        $settings = $account->getOrCreateQrSetting();
+        $settings->update(['auto_withdraw_amount_minor' => $amountMinor]);
+
+        if ($amountMinor !== null) {
+            $this->autoWithdraw->attemptForUser($account);
+        }
+
+        return response()->json([
+            'data' => [
+                'auto_withdraw_amount_minor' => $settings->fresh()->auto_withdraw_amount_minor,
             ],
         ]);
     }
diff --git a/app/Models/QrSetting.php b/app/Models/QrSetting.php
index 8e35010..ebe6e5f 100644
--- a/app/Models/QrSetting.php
+++ b/app/Models/QrSetting.php
@@ -17,6 +17,7 @@ class QrSetting extends Model
         'low_balance_alerts',
         'notify_registrations',
         'notify_payouts',
+        'auto_withdraw_amount_minor',
         'default_type',
         'default_style',
         'event_defaults',
@@ -27,6 +28,7 @@ class QrSetting extends Model
         'low_balance_alerts' => 'boolean',
         'notify_registrations' => 'boolean',
         'notify_payouts' => 'boolean',
+        'auto_withdraw_amount_minor' => 'integer',
         'default_style' => 'array',
         'event_defaults' => 'array',
     ];
diff --git a/app/Services/Mini/AutoWithdrawService.php b/app/Services/Mini/AutoWithdrawService.php
new file mode 100644
index 0000000..d5756ca
--- /dev/null
+++ b/app/Services/Mini/AutoWithdrawService.php
@@ -0,0 +1,148 @@
+<?php
+
+namespace App\Services\Mini;
+
+use App\Models\QrSetting;
+use App\Models\User;
+use App\Services\Billing\BillingClient;
+use App\Services\Notifications\MiniNotificationService;
+use Illuminate\Http\Client\Response as HttpResponse;
+use Illuminate\Support\Facades\Http;
+use Illuminate\Support\Facades\Log;
+use Throwable;
+
+class AutoWithdrawService
+{
+    public function __construct(
+        private BillingClient $billing,
+        private MiniNotificationService $notifications,
+    ) {}
+
+    public function attemptForUser(User $user): bool
+    {
+        $settings = $user->getOrCreateQrSetting();
+        $thresholdMinor = $settings->auto_withdraw_amount_minor;
+
+        if ($thresholdMinor === null || $thresholdMinor < 100) {
+            return false;
+        }
+
+        try {
+            $balanceMinor = $this->billing->balanceMinor($user->public_id);
+        } catch (Throwable $e) {
+            Log::warning('Auto-withdraw balance check failed', [
+                'user' => $user->public_id,
+                'error' => $e->getMessage(),
+            ]);
+
+            return false;
+        }
+
+        if ($balanceMinor < $thresholdMinor) {
+            return false;
+        }
+
+        if (! $this->hasPayoutAccount($user)) {
+            return false;
+        }
+
+        if ($this->hasPendingWithdrawal($user)) {
+            return false;
+        }
+
+        $amountMajor = round($balanceMinor / 100, 2);
+        if ($amountMajor < 1) {
+            return false;
+        }
+
+        try {
+            $response = $this->identitySend('POST', '/api/identity/wallet/withdraw', [
+                'user' => $user->public_id,
+                'amount' => $amountMajor,
+            ]);
+
+            if (! $response->successful()) {
+                Log::warning('Auto-withdraw failed', [
+                    'user' => $user->public_id,
+                    'status' => $response->status(),
+                    'body' => $response->body(),
+                ]);
+
+                return false;
+            }
+
+            $this->notifications->withdrawalSubmitted($user, $amountMajor);
+
+            return true;
+        } catch (Throwable $e) {
+            Log::warning('Auto-withdraw exception', [
+                'user' => $user->public_id,
+                'error' => $e->getMessage(),
+            ]);
+
+            return false;
+        }
+    }
+
+    public function processAll(): int
+    {
+        $count = 0;
+
+        QrSetting::query()
+            ->whereNotNull('auto_withdraw_amount_minor')
+            ->where('auto_withdraw_amount_minor', '>=', 100)
+            ->with('user')
+            ->chunkById(50, function ($settings) use (&$count) {
+                foreach ($settings as $setting) {
+                    $user = $setting->user;
+                    if ($user && $this->attemptForUser($user)) {
+                        $count++;
+                    }
+                }
+            });
+
+        return $count;
+    }
+
+    private function hasPayoutAccount(User $user): bool
+    {
+        $response = $this->identitySend(
+            'GET',
+            '/api/identity/payout-account?user='.urlencode((string) $user->public_id),
+            [],
+        );
+
+        if (! $response->successful()) {
+            return false;
+        }
+
+        return filled($response->json('data.payout_account.account_number'));
+    }
+
+    private function hasPendingWithdrawal(User $user): bool
+    {
+        $response = $this->identitySend(
+            'GET',
+            '/api/identity/wallet/withdrawals?user='.urlencode((string) $user->public_id),
+            [],
+        );
+
+        if (! $response->successful()) {
+            return false;
+        }
+
+        return collect($response->json('data', []))
+            ->contains(fn ($withdrawal) => in_array($withdrawal['status'] ?? '', ['pending', 'processing'], true));
+    }
+
+    private function identitySend(string $method, string $path, array $payload): HttpResponse
+    {
+        return Http::baseUrl(rtrim((string) config('services.ladill_identity.url'), '/'))
+            ->withToken((string) config('services.ladill_identity.key'))
+            ->connectTimeout(10)
+            ->timeout(20)
+            ->acceptJson()
+            ->asJson()
+            ->send($method, $path, ['json' => $payload]);
+    }
+}
diff --git a/app/Services/Mini/MiniPaymentService.php b/app/Services/Mini/MiniPaymentService.php
index 9752685..0e371ce 100644
--- a/app/Services/Mini/MiniPaymentService.php
+++ b/app/Services/Mini/MiniPaymentService.php
@@ -20,6 +20,7 @@ class MiniPaymentService
         private BillingClient $billing,
         private SmsService $sms,
         private MiniNotificationService $notifications,
+        private AutoWithdrawService $autoWithdraw,
     ) {}
 
     /**
@@ -124,6 +125,7 @@ class MiniPaymentService
         $payment = $payment->fresh(['qrCode', 'merchant']);
         $this->notifyPayer($payment);
         $this->notifications->paymentReceived($payment);
+        $this->autoWithdraw->attemptForUser($payment->merchant);
 
         return $payment;
     }
@@ -169,6 +171,7 @@ class MiniPaymentService
         $payment = $payment->fresh(['qrCode', 'merchant']);
         $this->notifyPayer($payment);
         $this->notifications->paymentReceived($payment);
+        $this->autoWithdraw->attemptForUser($payment->merchant);
 
         return $payment;
     }
diff --git a/database/migrations/2026_06_12_120000_add_auto_withdraw_to_qr_settings_table.php b/database/migrations/2026_06_12_120000_add_auto_withdraw_to_qr_settings_table.php
new file mode 100644
index 0000000..b17ca7e
--- /dev/null
+++ b/database/migrations/2026_06_12_120000_add_auto_withdraw_to_qr_settings_table.php
@@ -0,0 +1,22 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('qr_settings', function (Blueprint $table) {
+            $table->unsignedBigInteger('auto_withdraw_amount_minor')->nullable()->after('notify_payouts');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('qr_settings', function (Blueprint $table) {
+            $table->dropColumn('auto_withdraw_amount_minor');
+        });
+    }
+};
diff --git a/routes/api.php b/routes/api.php
index a0e2450..2b6fcb0 100644
--- a/routes/api.php
+++ b/routes/api.php
@@ -67,6 +67,7 @@ Route::prefix('v1')->group(function () {
         Route::put('/mini/wallet/payout-account', [MiniWalletController::class, 'updatePayoutAccount'])->name('api.mini.wallet.payout-account.update');
         Route::get('/mini/wallet/withdrawals', [MiniWalletController::class, 'withdrawals'])->name('api.mini.wallet.withdrawals');
         Route::post('/mini/wallet/withdraw', [MiniWalletController::class, 'withdraw'])->name('api.mini.wallet.withdraw');
+        Route::put('/mini/wallet/auto-withdraw', [MiniWalletController::class, 'updateAutoWithdraw'])->name('api.mini.wallet.auto-withdraw');
 
         Route::get('/mini/support/tickets', [MiniSupportController::class, 'tickets'])->name('api.mini.support.tickets');
         Route::post('/mini/support/tickets', [MiniSupportController::class, 'store'])->name('api.mini.support.tickets.store');
diff --git a/routes/console.php b/routes/console.php
index 7a016ba..c63efc4 100644
--- a/routes/console.php
+++ b/routes/console.php
@@ -9,6 +9,7 @@ Artisan::command('inspire', function () {
 })->purpose('Display an inspiring quote');
 
 Schedule::command('mini:cancel-stale-payments')->hourly()->withoutOverlapping();
+Schedule::command('mini:process-auto-withdrawals')->everyFiveMinutes()->withoutOverlapping();
 
 Schedule::command('hosting:check-node-health --all')->everyFiveMinutes()->withoutOverlapping();
 Schedule::command('hosting:sync-account-usage')->hourly()->withoutOverlapping();