Deposits & withdrawals
Seven ways in. Six ways out.
Fund your account however suits you, and take your profit out the same way or a different one. Every method, what it costs you in time, and whether it can be undone.
- Ways to deposit
- Seven
- Ways to withdraw
- Six
- Charged by us, either way
- No fee
Putting money in
Whichever you pick, it lands as a dollar balance and you see the rate before you confirm. Nothing is invested until you choose a plan.
Crypto
Send BTC, ETH, USDT or any asset we support. It converts to dollars at a rate you see before confirming.
Bank transfer
A standard transfer from your own bank account, and the same route back out again.
Wire transfer
For larger amounts, or when the money needs to be where it is going today.
PayPal
Fund from your PayPal balance or a linked card, and take your profit back out the same way.
Zelle
Bank to bank, from the app you already use. Once it sends, it is final.
Cash App
Straight from your Cash App balance, and back to it when you withdraw.
Gift cards
Load a supported gift card. Deposits only — profit is paid out by one of the other methods.
Taking it back out
No lock-in, no notice period and no exit fee. Ask for it back and you keep everything credited up to that day.
Crypto
Minutes, once the network confirms
Bank transfer
1–3 business days
Wire transfer
Same day domestic, 1–2 days international
PayPal
Minutes
Zelle
Minutes
Cash App
Minutes
Every method, side by side
| Method | Deposit | Withdraw | How long | Can be reversed |
|---|---|---|---|---|
| Crypto | Yes | Yes | Minutes, once the network confirms | No — final once sent |
| Bank transfer | Yes | Yes | 1–3 business days | Usually |
| Wire transfer | Yes | Yes | Same day domestic, 1–2 days international | No — final once sent |
| PayPal | Yes | Yes | Minutes | Usually |
| Zelle | Yes | Yes | Minutes | No — final once sent |
| Cash App | Yes | Yes | Minutes | No — final once sent |
| Gift cards | Yes | — | Minutes, once the code is verified | No — final once sent |
Before you send. Some of these methods are final once sent: crypto, wire transfers, Zelle, Cash App and gift cards cannot be reversed by you or by us after the money lands. Send only what you mean to invest, and only from an account in your own name.
Frequently Asked Questions
Does the method I deposit with decide how I withdraw?
No. Deposit by one method and take your profit out by another if you want to. The only exception is gift cards, which work in one direction — there is no way to send value back to a card, so profit funded that way goes out by one of the other methods.
Do I earn the same whichever way I fund?
Yes. Everything becomes the same dollar balance once it lands, and the plan you choose is what decides your return. The method only changes how long the money takes to arrive.
Can I get a deposit back if I send it by mistake?
It depends on the method, which is why each one is marked above. Bank transfers and PayPal can usually be unwound. Crypto, wire transfers, Zelle, Cash App and gift cards are final once they land — nobody can reverse them, including us. Send only what you mean to invest.
Whose account does the money have to come from?
Your own. We can only accept deposits from an account or wallet in the same name as your xMoney account, and we pay withdrawals back to you by the same rule. Third-party funding is refused.
How long does a withdrawal take?
It depends on where it is going. Crypto, PayPal, Zelle and Cash App usually settle within minutes of approval. Bank transfers take one to three business days, and wires are same day domestically.
Seven ways to start
Open an account, fund it by seven different routes, and decide what your money does next.