> ## 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 developer balance pre-funding via USDC / USDT pre-funding for Non-USD currency payouts. Funds are credited as USD in a developers balance which they can use to run payouts.

<Note>
  Prefunding is required for **non-USD currency payouts only**. USD payouts do not draw on a prefunded balance.
</Note>

## Balance Type

Prefunded amounts are credited to your **USD LOCAL** balance.

<CardGroup cols={1}>
  <Card title="USD LOCAL" icon="landmark">
    For local-currency payouts (BDT, PKR, INR, etc.)
  </Card>
</CardGroup>

<Warning>
  Prefunding made on weekends will be processed on the next working day.
</Warning>

## Prefunding Process.

### 1. Send Your Funds

Send **USDC or USDT** to the designated wallet address your account manager provides.

### 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 USDC / USDT**  | T+2             | Funds available 2 business days after submission |
| **\< \$20,000 USDC / USDT** | 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
* **Funds are non-refundable**: Once credited to your balance, funds can only be withdrawn through payouts.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