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Fin.com supports USD prefunding via USDC on Polygon or USD via SWIFT/Wire. Funds are credited to your USD balance and used for payouts.
🎉 — Fiat prefunding via USD over SWIFT or Wire is now available!

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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 Funds

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

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2. Submit Prefunding Request

Email paymentops@fin.com with the following subject line format:
Subject Line Format:
Prefunding | Client {client_id} | {amount} USDC → USD {LOCAL|SWIFT} | {yyyy-mm-dd}

Prefunding | Client coNUSc99BDpnSPVPot92 | 100,000 USDC → USD LOCAL | 2026-01-01
Required Information:
FieldDescriptionExample
Client IDYour Fin.com client identifiercoNUSc99BDpnSPVPot92
Amount SentUSDC amount sent100,000
Source CurrencyCurrency typeUSDC
Source RailNetwork usedPolygon
Sending Wallet AddressYour wallet address0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb
Transaction ReferenceOn-chain transaction hash0x1234...5678
Balance AllocationTarget balance typeUSD LOCAL or USD SWIFT

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3. Receive Confirmation

You’ll receive an email confirmation once your balance is credited.

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Settlement Timeline

Settlement times vary based on the prefunding amount and deposit timing (Singapore Time, SGT).

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By Amount

AmountSettlement TimeNotes
≥ $20,000 USD/USDCT+2Funds available 2 business days after submission
< $20,000 USD/USDCT+1 or T+0Depending on fund availability

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Deposit Timing

Deposit TimeAvailability
Before 12:00 PM SGTNext business day (or same day for T+0)
After 12:00 PM SGTFollowing business day

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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
  • 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