Deposit troubleshooting

Most deposit problems have one of a few causes. Run through these checks first, and keep your transaction hash ready.

Deposit not showing

1. Find the transaction hash in your wallet or exchange history and open it in the chain's block explorer.
2. Check confirmations. If the explorer shows fewer confirmations than Fundly requires, wait. Bitcoin takes 20 to 30 minutes; most other chains take 1 to 3 minutes. See the table on the deposits overview.
3. Check the amount. At launch, deposits below 10 EUR equivalent (20 EUR on Ethereum mainnet and Bitcoin) are not credited automatically. Support can recover them for a fee.
4. Check the network. EVM chains share the same 0x address, so a transfer meant for Polygon can land on Ethereum or BNB Chain. Compare the explorer with the chain you chose in Fundly.
5. Check the asset. Only the assets listed on each chain page are credited.
6. Check for a pending conversion. "Converting" means the deposit arrived and is being exchanged into your account currency, usually within a minute.

Sent the wrong asset or wrong chain

• Supported chain, supported asset, wrong deposit screen. For example, USDC sent on Base while the Ethereum screen was open. Usually credited automatically or recoverable by support.
• Supported chain, unsupported asset. Support may recover it for a fee; not guaranteed.
• Unsupported chain. Usually not recoverable; Fundly holds no keys there.

At launch, the recovery fee is 25 EUR or 5% of the amount, whichever is higher, and recovery can take several business days.

Open a recovery request in the in-app support chat with:

1. The transaction hash.
2. The chain the funds were sent on.
3. The asset and the amount.
4. The date and time of the transfer.
5. The Fundly deposit address you used.

Lightning invoice expired or payment failed

Fundly Lightning invoices expire after 1 hour. An expired invoice cannot be paid and nothing leaves your wallet, so create a new one. A failure on a valid invoice is usually a routing failure: retry, try a smaller amount (capped at 500 EUR equivalent per invoice at launch), or use an on-chain Bitcoin deposit. If a payment shows "in flight", do not pay a second invoice until the first has clearly failed.

Bitcoin stuck with a low fee

A low-fee Bitcoin transaction can wait hours when the mempool is busy. Fundly credits after 2 confirmations and treats replace-by-fee transactions as unconfirmed until then. Bump the fee with RBF or child-pays-for-parent if your wallet supports it, or wait; the deposit is credited once it confirms.

Quick reference

Related

• How deposits work
• Fee schedule
• Account security