Fundly Docs
Help documentation for Fundly: cards funded by crypto deposits from 12 chains, an EUR IBAN account after identity verification, fees, limits and security.
What Fundly is
Fundly turns the crypto you already hold into money you can spend. You deposit USDT, USDC, ETH, BTC, SOL and other assets from the chains you already use. Fundly converts the deposit to your account currency (USD or EUR) at a published rate and credits your balance. You then spend with a Fundly card anywhere cards are accepted, or move money over SEPA from an EUR IBAN account.
Fundly is not a bank. Cards are issued by [PARTNER] and the EUR IBAN account is provided by [PARTNER]. These partners are licensed financial institutions. Fundly builds the web app and the deposit rails and works with them to hold and move your money. See How your funds are held for the details.
Two ways to start
You choose how much you want to set up on day one.
| Instant card | Verified | |
|---|---|---|
| Sign-up | Email, phone, country check | Full identity verification |
| Card | Virtual | Virtual and physical |
| IBAN account | No | Yes |
| Limits | Monthly limits set by our partner | Higher limits, raised by review |
The Instant card gets you a virtual card within minutes of signing up. Instant cards have monthly limits set by our partner and regulators. When you want higher limits, a physical card or an IBAN account, you verify your identity in the Fundly web app. Read Instant vs Verified for the full comparison.
Fundly launches as a web app. Sign in at app.fundly.xyz from any browser, including on your phone. Native iOS and Android apps are coming soon.
Where to start
- What is Fundly explains the product in plain terms.
- Create your account walks through sign-up.
- Deposits overview shows how a crypto deposit becomes spendable balance, and how long each chain takes.
- Virtual cards covers your first card.
- Fee schedule lists every fee on the Free, Plus and Premium plans.
Browse by topic
- Getting started. What is Fundly, Create your account, Instant vs Verified, Supported countries.
- Cards. Virtual cards, Physical cards, Card controls and freezing, Declined transactions, Lost or stolen card.
- Deposits. Overview, then one page per chain: Ethereum, Base, Arbitrum, Polygon, Solana, Tron, Bitcoin, Lightning, BNB Chain, Optimism, Avalanche, TON. If something went wrong, go to Troubleshooting.
- Accounts and IBAN. Opening your IBAN account, SEPA and SEPA Instant, Sending and receiving transfers.
- Verification. Why we verify, Documents we accept, Upgrading from Instant to Verified.
- Limits and fees. Fee schedule, Plans: Free, Plus, Premium, Rewards and referrals.
- Security. How your funds are held, Account security.
- FAQ and legal. Top questions, Terms and policies.
Something not covered
If a page is missing or wrong, tell us through the in-app support chat. These docs are updated with every release.
Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.