Deposit and Withdrawal FAQ

Common questions about moving funds in and out of Alphio across card and on-chain rails.

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Card deposit was declined. Cards fail for reasons that are usually on the issuing bank's side, not Alphio's:

• Bank fraud rules — banks frequently block first-time crypto / fintech merchants. Call your bank to whitelist Alphio and retry.
• Card not accepted in your region — some issuers block cross-border digital purchases. Try a different card or a different payment method.
• Daily / per-transaction limit — split the deposit into smaller amounts.
• Card type — some prepaid and virtual cards are not supported.

See Subscription and Billing for accepted card types per region.

Card deposit took my money but didn't appear. This is almost always a processor delay, not a lost transaction.

• Typical settlement: 5 to 30 minutes.
• During processor maintenance windows or peak load: up to a few hours.
• If the deposit has not appeared after 24 hours, contact support with:
  • The transaction ID / authorization code from your bank statement.
  • The exact amount and currency.
  • The card's last 4 digits.

We can trace it on the processor side from those details.

On-chain deposit confirming forever. Two common causes:

• Gas too low — the transaction is stuck in the mempool. View the tx on the block explorer; if it shows "pending" with low gas, either wait for network congestion to ease or speed up / cancel the tx from your wallet.
• Wrong chain — you may have broadcast to a different network than expected. Verify the chain ID and explorer link match the chain Alphio asked for.

Alphio only credits a deposit after the required number of confirmations on the correct chain — there is nothing to expedite from our side.

Wrong network — I sent USDC on chain X but Alphio expects chain Y.

warning

Wrong-network recovery is case by case and depends on whether Alphio's deposit address controls a wallet on the chain you sent to. There is no automatic refund. Contact support immediately with:

• The transaction hash.
• The source chain and destination chain.
• The token and amount.

Some chains we can recover from (where we control the same address). Others (e.g. exchange-only deposit addresses) are unrecoverable. Always double-check the chain selector before broadcasting.

Withdrawal pending for hours. Withdrawals are batched on a schedule to reduce gas costs and clear compliance review.

• Typical wait: 1 to 4 hours end-to-end.
• During high volume or off-hours: up to a full business day.
• If a withdrawal is pending for more than 24 hours, contact support with the withdrawal ID.

The status badge in Asset → Activity log updates as each stage clears (queued → reviewed → broadcast → confirmed).

Minimum / maximum withdrawal limits?

warning

Exact min / max withdrawal limits are still being finalized and will vary by:

• Asset (USDC / native token / stock).
• Destination (on-chain address / broker / card).
• Account tier (Free / Base / Pro / Elite).
• KYC level on the account.

The current effective limit is shown in the withdrawal dialog before you confirm. If the dialog rejects an amount as out-of-range, the displayed range is authoritative.