Direct USD (fiat) prefunding will be available in Q1 2026.
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 USDC
Transfer USDC on Polygon to the designated wallet address provided by your account manager.2. Submit Prefunding Request
Email [email protected] with the following subject line:View Example
View Example
3. Include Required Information
| Field | Description | Example |
|---|---|---|
| Client ID | Your Fin.com client identifier | coNUSc99BDpnSPVPot92 |
| Amount | USDC amount sent | 100,000 USDC |
| Source Currency | Always USDC | USDC |
| Source Network | Always Polygon | Polygon |
| Wallet Address | Your sending wallet address | 0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb |
| Transaction Hash | On-chain transaction hash | 0x1234...5678 |
| Balance Allocation | Target balance type | USD LOCAL or USD SWIFT |
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- Funds are non-refundable: Once credited to your balance, funds can only be withdrawn through payouts.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