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Fin.com supports USD prefunding via USDC on Polygon. Funds are credited to your USD balance and used for payouts.
Direct USD (fiat) prefunding will be available in Q1 2026.

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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
Funds allocated to one balance cannot be used for the other. Incorrect allocation will delay your payouts.

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Prefunding Process

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1. Send Your USDC

Transfer USDC on Polygon to the designated wallet address provided by your account manager.

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2. Submit Prefunding Request

Email [email protected] with the following subject line: 
Prefunding | Client {client_id} | {amount} USDC → USD {LOCAL|SWIFT} | {yyyy-mm-dd}

Prefunding | Client coNUSc99BDpnSPVPot92 | 100,000 USDC → USD LOCAL | 2026-01-01

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3. Include Required Information

FieldDescriptionExample
Client IDYour Fin.com client identifiercoNUSc99BDpnSPVPot92
AmountUSDC amount sent100,000 USDC
Source CurrencyAlways USDCUSDC
Source NetworkAlways PolygonPolygon
Wallet AddressYour sending wallet address0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb
Transaction HashOn-chain transaction hash0x1234...5678
Balance AllocationTarget balance typeUSD LOCAL or USD SWIFT

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Settlement Timeline

Prefunding operates on a T+1 basis (Singapore Time, SGT).
Deposit TimeAvailability
Before 12:00 PM SGTNext business day
After 12:00 PM SGTFollowing business day
You’ll receive an email confirmation once your balance is credited.

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Important Considerations

  • All balances are denominated in USD
  • Ensure sufficient balance in the correct ledger (LOCAL vs SWIFT) before initiating payouts
  • Missing or incomplete information will delay processing
  • Contact your account manager for any questions or issues