Funds Availability.
When your deposits are available for use.
1. General Policy
Our policy is to make funds available to you according to the timelines below. These are typical timelines; actual availability may vary due to compliance screening, correspondent processing, or blockchain confirmation times.
2. Deposit Availability
| Deposit Method | Typical Availability |
|---|---|
| SWIFT wire (inbound) | 1-3 business days after initiation |
| Crypto deposit | After required on-chain confirmations (BTC: 6, ETH: ~12-15 blocks, TRON: instant, Arbitrum: ~7-day finality, Solana: near-instant) plus compliance screening |
| Payment link (card) | Instant after card network authorization |
| Payment link (bank transfer) | 1-2 business days after receipt |
| paype-to-paype receive | Instant |
3. Withdrawal Availability
| Withdrawal Method | Typical Processing Time |
|---|---|
| SWIFT wire (outbound) | 1-3 business days |
| Crypto withdrawal | Typically within minutes (subject to network congestion); requires compliance screening |
| Card spend | Instant at point of sale |
4. Compliance Holds
We may delay availability of funds for compliance screening. Holds are typically resolved within 1 business day. If a hold extends beyond 2 business days, we will notify you.
5. New Account Holds
For accounts opened less than 30 days, larger deposits may be subject to extended holds for fraud prevention. You will be notified if a hold is applied.
6. This Is Not a Bank Deposit Policy
Paype is not a bank. This policy describes when funds appear in your Paype balance, not when funds become available under banking regulations (Regulation CC). Paype balances are not FDIC insured.
7. Changes
We will notify you of material changes to this policy 30 days in advance.