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

# Funding your account

> Deposit and withdraw on Monofin — USDC, cards, and bank transfers, one unified balance.

One USDC balance powers everything on Monofin: event markets, perps, real-world assets, Earn. Deposit with crypto or cash. Withdraw to your own address anytime.

## Deposits

### Crypto

Send **USDC** from any supported chain to your Monofin deposit address. Most crypto deposits land in minutes.

> [!TIP]
>
> The deposit address belongs to the embedded wallet only you control. Double-check the network before you send.

### Cards and bank transfer

No crypto yet? Buy USDC right in the app through the on-ramp:

* **Debit and credit cards** — fastest; funds typically land in minutes.
* **Bank transfer** — higher limits, typically 1–3 business days depending on your bank and region.

Card and bank purchases may require a one-time identity check with the on-ramp provider. Availability varies by region.

## Withdrawals

Withdraw USDC to **any address you control**, anytime. No lock-ups on your cash balance. No minimums beyond network fees.

> [!WARNING]
>
> Funds sitting in open positions or Earn vaults need to come out first — close the position or withdraw from the vault. Vault withdrawals follow each vault's terms and available liquidity. See [Monofin Earn](https://docs.monofin.xyz/earn/what-is-monofin-earn.md).

## Where your money lives

Monofin is **non-custodial**:

* Your balance sits in an embedded wallet only you control. Monofin never holds your assets.
* Every trade, deposit, and withdrawal is signed from your wallet.
* You can move everything out anytime — even if you never open the app again.

See [Wallet and security](https://docs.monofin.xyz/account/wallet-and-security.md) for how the wallet works and how to lock down your account.

## Fees

Monofin charges nothing on deposits or withdrawals. Network gas fees and on-ramp provider fees are shown before you confirm. Trading fees are itemized on every ticket — see [Fees](https://docs.monofin.xyz/trading/fees.md).


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