🎉 — Fiat prefunding via USD over SWIFT or FeWire is now available!
Balance Types
Fin.com maintains two separate USD balances. You must specify which balance you’re funding when submitting your prefunding request.USD LOCAL
For local-currency payouts (BDT, PKR, INR, etc.)
USD SWIFT
For USD SWIFT payouts only
Prefunding Process.
1. Send Your Funds
Depending on your preferred funding method you can send USDC / USD. If you are sending USDC then your account manager will provide you with a designated wallet addres, if you are willing to prefund in USD then your account manager will issue you a vIBAN under you entity where you can transfer USD from 1st party only.2. Submit Prefunding Request
Fill up this form with your request, and Fin’s treasury team will pick it up and email you with a receipt.3. Receive Confirmation
You’ll receive an email confirmation once your balance is credited.Settlement Timeline
Settlement times vary based on the prefunding amount and deposit timing (Singapore Time, SGT).By Amount
| Amount | Settlement Time | Notes |
|---|---|---|
| ≥ $20,000 USD/USDC | T+2 | Funds available 2 business days after submission |
| < $20,000 USD/USDC | T+1 or T+0 | Depending on fund availability |
Deposit Timing
| Deposit Time | Availability |
|---|---|
| Before 12:00 PM SGT | Next business day (or same day for T+0) |
| After 12:00 PM SGT | Following business day |
Important Considerations
- All balances are denominated in USD
- Ensure sufficient balance in the correct ledger (LOCAL vs SWIFT) before initiating payouts
- Funds are non-refundable: Once credited to your balance, funds can only be withdrawn through payouts. To retrieve funds, create a payout to your own beneficiary account
- Missing or incomplete information will delay processing
- Contact your account manager for any questions or issues