> ## Documentation Index
> Fetch the complete documentation index at: https://developer.fin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Funding Your Balance

> Learn how to fund your Fin.com balance to enable transfers and payouts to beneficiaries on behalf of your customers

Fin.com supports USD prefunding via **USDC on Polygon** or **USD via SWIFT/Wire via Named Virtual accounts issued for Developers**. Funds are credited to your USD balance and used for payouts.

<Callout color="#FFC107">
  🎉 — Fiat prefunding via USD over SWIFT or FeWire is now available!
</Callout>

## Balance Types

Fin.com maintains two separate USD balances. **You must specify which balance you're funding** when submitting your prefunding request.

<CardGroup cols={2}>
  <Card icon="landmark" title="USD LOCAL">
    For local-currency payouts (BDT, PKR, INR, etc.)
  </Card>

  <Card icon="building-columns" title="USD SWIFT">
    For USD SWIFT payouts only
  </Card>
</CardGroup>

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

## 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](https://tally.so/r/BzX5bY) 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