Deposits

Deposit via Lightning

How to fund your Fundly account with BTC over the Lightning Network using an invoice, with timing, limits and common failures.

The Lightning Network is a payment layer built on top of Bitcoin. Payments settle in seconds with fees that are usually a fraction of a cent. It is the fastest way to move BTC into Fundly.

Assets you can deposit

Lightning carries BTC only. Your deposit is converted to your account currency (USD or EUR) at the rate shown in the app.

How to deposit

Lightning does not use a fixed address. Instead, the app creates a one-time invoice for the exact amount you want to deposit.

Sign in to the Fundly web app at app.fundly.xyz and choose Deposit.
Choose Lightning as the chain and BTC as the asset.
Enter the amount you want to deposit. The app generates a BOLT11 invoice that starts with lnbc.
Copy the invoice or scan the QR code with a Lightning wallet, or choose the Lightning network when withdrawing from an exchange that supports it.
Pay the invoice. Most wallets read the amount from the invoice automatically.
The deposit is credited as soon as the payment settles, usually within seconds.

Note

Fundly invoices expire after 1 hour. If yours has expired, simply create a new one. An expired invoice cannot be paid, and no funds leave your wallet.

Confirmations and timing

There are no block confirmations on Lightning. A payment either settles or fails.

Asset	Minimum at launch	Maximum per invoice at launch	Credits after	Typical time
BTC	10 EUR equivalent	500 EUR equivalent	payment settlement	seconds

For larger amounts, split the deposit into several invoices or use an on-chain Bitcoin deposit.

Fees

Routing fee, paid by you to the nodes that carry the payment. Usually a few satoshis. Your wallet shows it before you confirm.
Fundly deposit fee, taken at conversion. At launch this is 1% (minimum 1 EUR) on Free, 0.5% on Plus and 0% on Premium. See the fee schedule.

Common mistakes

Paying a different amount. Pay the exact amount in the invoice. Fundly invoices are fixed-amount, so wallets will refuse a different value.
Sending on-chain BTC to an invoice. An lnbc invoice is not a Bitcoin address. On-chain transactions cannot be sent to it. If you want to pay on-chain, use the Bitcoin deposit option instead.
Expired invoice. Invoices are valid for 1 hour. Generate a new one if the timer has run out.
Routing failure. Sometimes no path with enough capacity exists between your wallet and Fundly. Wait a minute and retry, try a smaller amount, or fall back to on-chain.
Custodial exchange limits. Some exchanges cap Lightning withdrawals or do not support them. Check your exchange before choosing Lightning.

Tip

If a payment shows as "in flight" in your wallet for more than a few minutes, do not create a second invoice and pay it again until the first attempt has clearly failed. Contact in-app support with the payment hash if it stays stuck.

Deposit Bitcoin

Deposit on BNB Chain

Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.