Answers, in one place.

A global virtual bank account gives you real local bank details — your own account and routing number, IBAN, or local equivalent — without opening a traditional bank account in that country. Payers send through familiar rails; you receive, convert, and spend from one Fuzopay balance.

After you open and verify your account, you get routing and account details you can share with clients, marketplaces, and payment platforms. Incoming USD pay-ins land in your Fuzopay balance as digital dollars — ready to hold, convert, stake, or spend.

Live markets are listed in the region selector on the Global Accounts page. We add countries as rails go live — that page updates from one data source, so the navbar never needs a new country link.

A wallet cannot receive a payroll ACH or a SWIFT wire from someone who only has a bank account. A global virtual account can. Payers use familiar local details; you choose when — or whether — to convert to crypto.

Timing depends on the sending bank and the rail. Once funds settle on our side, they appear in your balance and are available to convert or spend. Pending deposits are usually still in transit, not declined.

Incoming cash follows the local rail's processing time. Once funds settle in your virtual account, conversion to a supported crypto can complete in seconds.

Yes. Supported fiat and crypto balances sit in the same account. You choose when to convert; nothing is forced into a single currency.

You can receive into a global virtual bank account with no minimum opening deposit. Some rails or conversions may show a small floor — those details appear per market when you select a country.

Reverse the flow anytime. Convert crypto back to local currency and cash out through supported rails in that market.

You can hold incoming funds as a local currency balance. Balances are tracked per account. Verification and account records sit on the same desk that opens the account.

Yes. Payers only need your local account details. They send through ACH, wire, SWIFT, or regional rails as they would to any local bank account.

Limits can vary by market, rail, and verification level. Select a country to see current requirements, or they appear during account opening.

Once funds settle in your Fuzopay account, conversion to a supported crypto can complete in seconds — not minutes, and not after a manual queue. A first large conversion on a new corridor can be placed on a short manual look — that is a hold, not a decline.

Yes. The same flow works in reverse: convert crypto back to fiat and withdraw locally. Nothing is locked in one direction.

Bitcoin, Ethereum, USDT, USDC, and other listed assets are available as soon as they appear in the calculator. There is no waitlist to start converting a live asset.

The rate shown in the calculator is the rate applied at convert. A published conversion fee is shown before you confirm. Network fees apply only when a withdrawal leaves the platform. VIP tiers lower the conversion fee as your activity grows.

Any minimum or maximum appears in the calculator before you confirm, and can vary by asset and verification level.

You can convert back the other way at the live rate then in effect. A completed conversion is not reversed automatically; you choose the next move.

Every conversion runs through the same bank-grade KYC and AML checks used to open the account. Your balance stays on one per-account record from receive to convert to withdraw.

Yes. Deposit local currency or receive pay-ins, then convert to stablecoins at a live mid-market rate. Use your Fuzopay card to spend from your balance anywhere cards are accepted, or send payouts and withdraw to your local bank when you need cash out.

The card spends from your Fuzopay balance anywhere cards are accepted. You can hold fiat or crypto in the account and spend in the local currency at the merchant.

Yes. Charge against your local bank balance or supported crypto you already hold. Conversion settles when you swipe — no separate sell step required.

Published rates rise with your Fuzopay tier — 0.5%, 1.5%, and 3%. Higher tiers unlock as listed on Pricing; cashback posts automatically on qualifying spend.

Cashback posts after the transaction settles, not at authorization. If more than a few days have passed since settlement and the line has not appeared, open Live Chat with the merchant name and the date.

Cashback follows the published rate for your current tier. Any caps appear on Pricing before you spend.

Visa network — accepted worldwide wherever Visa debit is taken.

You choose one funding source per purchase. If that source cannot cover the swipe, the payment will not complete unless a combined preference is set in account settings when available.

Point-of-sale conversion uses the live rate plus any published conversion fee shown in your account and on Pricing.

The usual causes are a merchant category block, a daily limit, or a 3-D Secure prompt that did not finish. A screenshot of the decline, plus the merchant and time, lets the desk be precise.

Flexible Earn earns up to 9% APY with no commitment and instant withdrawal. Staking earns a higher published rate — up to 12% APY on a 12-month term — when you choose a 3, 6, or 12 month lockup. You choose the product; the term is the condition of the higher rate.

Staking rewards scale with your balance: 6% APY from $10k, 9% APY from $50k, and 12% APY from $100k. Higher tiers also unlock lower crypto and currency conversion fees, more card cashback, and faster pay-in and payout processing.

Yes. Flexible Earn is never locked. You can withdraw anytime, instantly, subject to normal account transfer rails and published fees.

Staking is designed to be held until maturity. Early exit rules, if available, are disclosed at deposit and on Pricing — your locked rate applies for the full selected term when held to maturity.

Yes. Both products accept crypto or fiat — no separate conversion step is required before your balance can start earning at the published rate for your product.

APY figures reflect currently published Fuzopay rates. Compounding frequency and accrual details are shown in your account and on Pricing; calculator projections use those published assumptions.

For Staking, the rate offered at deposit is locked for that term and is not cut mid-term. Flexible Earn rates can be updated for future periods as published.

Minimums follow published tier and product rules on Pricing. Higher APY tiers unlock as your stake scales — currently from Core through Growth and Prime.

Staking fee advantages improve with longer Staking terms. Withdrawal and conversion fees, when they apply, are disclosed in your account and on Pricing.

No. Staking rewards are a Fuzopay product feature based on published APY tiers, not a traditional FDIC-insured bank savings account. Review terms before depositing.

Additional deposits follow the rules published for your product. Staking mid-term top-ups, when available, are disclosed at deposit; Flexible Earn continues earning at the then-current published Flexible Earn rate on eligible balance.

VIP tiers move on recorded activity, not on a request. Higher tiers lower conversion fees, raise limits, and unlock travel credit at VIP 3. If you believe you crossed a threshold and the account did not update, Live Chat can review the last 30 days.

Up to $500 per referral, based on the highest activity tier your referee reaches. Published tiers run from $20 through $500 — always shown alongside any up to $500 claim. There is no cap on how many people you can refer.

Activity level is cumulative qualified platform volume — deposits, conversions, and staking — counted during the published qualification window after your referee completes verification. Full definitions appear in Referral Terms before you share your link.

No. There is no cap on referrals. Each person who qualifies can earn you up to $500 based on their activity tier.

Rewards post automatically to your Fuzopay balance when a referee crosses a published tier threshold. No claims form or support ticket is required for standard tier payouts.

They sign up through your link or code, complete verification, and use the platform normally. Tier tracking and reward posting run automatically once they qualify.

When cumulative activity crosses a higher threshold during the qualification window, your reward adjusts to the higher published tier amount for that referral — paid automatically with no extra action from you.

Referral rewards apply to new accounts that sign up through your personal link or code and meet published eligibility rules. Existing accounts are not eligible unless stated otherwise in Referral Terms.

When available, referees may receive a published welcome incentive after completing verification and a qualifying first action. Any referee-side bonus is disclosed in Referral Terms and at signup.

No. Generating a deposit address and receiving crypto does not require KYC. Verification is required before converting, spending, or withdrawing any deposited funds — not before depositing.

No. Converting, spending, or withdrawing any deposited funds requires KYC, with no exceptions. Unverified deposits are visible in the account immediately, but locked from any outbound action until verification clears.

As soon as the network confirms it. Timing depends on the asset and network. Pending is usually still in transit, not declined.

Fuzopay charges $0 to deposit. Your sending bank or the crypto network may charge their own fee.

Send only listed assets on the matching network shown with the address. An unsupported asset or the wrong network can be unrecoverable. Check the asset and network before you send.

After you open an account, your local account and routing details are in the account. You can also review supported regions and rails on the Global Bank Accounts page.

Fiat sent to your local details converts automatically to the crypto you chose, the instant it lands. For the full conversion flow, see Crypto Conversion.

Typically a government ID and a matching selfie. Some markets may request proof of address or a local tax ID. Those requirements appear when you start verification.

It starts the second a deposit lands. There is no toggle, no form, and no waiting period. Balance in the account is balance already earning at up to 9% APY on Flexible Earn.

Yes. Flexible Earn has no lockup and no penalty. Pull the balance out in full whenever you want, and keep every cent earned up to that moment. KYC is required before any withdrawal.

Flexible Earn is automatic, up to 9% APY, with instant withdrawal and no commitment. Locked Stake is a published term — 3, 6, or 12 months — at a higher rate. See the Staking page for the full comparison.

Yes. Transfers to another person on Fuzopay are $0 every time — no percentage, no minimum, no fine print on P2P.

Instantly. A P2P or internal transfer never leaves the platform, so the balance is available on the other side as soon as you send.

Search by username, email, or phone number and save them. You can pin favorites. After that, sending is one tap.

A completed P2P transfer cannot be pulled back. Before your first send to a new contact, we show their verified name so you can confirm it is them.

ACH typically takes 1–2 business days. A domestic wire is typically same business day. International SWIFT typically takes 1–3 business days, depending on the destination and receiving bank. We do not call external transfers instant.

Yes. First transfers to a new or unverified contact use a lower default limit. Confirmed contacts follow your account limit.

Yes. Send a request to a contact with an amount and a note. When they confirm, the transfer is instant and free.

Open Live Chat and report it immediately. An instant transfer cannot be recalled, but a report helps us freeze further activity and protect other users. Never send to someone you do not know to collect a prize, complete a sale, or unlock an account.

The desk uses bank-grade KYC and AML checks, encrypted sessions, and monitored access. We will never ask for your password, PIN, or seed phrase — in chat, email, or on the phone.

Open Live Chat in this session, share the date, amount, and merchant, and we will review the line. Do not send card numbers or one-time codes in the chat.