Limits
Two ceilings apply to every operation at once: the payout method’s own, set by the rail, and the one attached to your verification tier. The lower of the two always wins. This page publishes both.
The rule in one line
Applicable ceiling = the lower of the rail ceiling and your tier ceiling. A high rail ceiling is useless without the matching tier, and the reverse holds too.
Check an exact amountThey have neither the same origin nor the same logic. One comes from the payment network and is not negotiable; the other comes from anti-money-laundering rules and depends on what you have provided.
Payout methods bookable today, each with its own limits.
From no verification at all to enhanced review with source of funds.
Rails that execute at weekends and on public holidays too.
Rails bound by banking hours, and therefore by a daily cut-off.
The rail ceiling
It is set by the payment network, not by us. PIX, M-Pesa and instant transfers each have a per-transaction ceiling defined by their operator or national regulator. We reproduce it as is: working around it by artificially splitting an operation is structuring, which regulation treats as a red flag, not a trick.
The tier ceiling
It depends on the verification level reached on your account. It accumulates over rolling windows — 30 days and 12 months — not calendar years: crossing 1 January resets nothing. Moving up a tier is free and is done from your account.
Amounts are in the rail’s settlement currency, per transaction. The minimum is not a commercial constraint: below it, the network cost and fixed fees would eat an unreasonable share of the amount.
| Payout method | Currency | Minimum | Per-transaction ceiling | Execution window | Local cut-off | Typical time |
|---|---|---|---|---|---|---|
| Virement SEPA Instantane | EUR | €20.00 | €100,000 | 24/7, weekends included | — | under 5 minutes |
| Virement SEPA | EUR | €20.00 | €500,000 | Business days | 15:00 | about 4 hours |
| Faster Payments | GBP | £20.00 | £1,000,000 | 24/7, weekends included | — | under 5 minutes |
| ACH | USD | $25.00 | $25,000 | Business days | 17:00 | 1 business day(s) |
| Domestic Wire | USD | $1,000.00 | $1,000,000 | Business days | 15:00 | about 3 hours |
| Interac e-Transfer | CAD | CA$20.00 | CA$10,000 | 24/7, weekends included | — | about 5 minutes |
| PayPal | EUR | €20.00 | €5,000 | 24/7, weekends included | — | about 10 minutes |
| Wise | EUR | €20.00 | €100,000 | 24/7, weekends included | — | about 30 minutes |
| Revolut | EUR | €20.00 | €100,000 | 24/7, weekends included | — | under 5 minutes |
| PIX | BRL | R$10.00 | R$50,000 | 24/7, weekends included | — | under 5 minutes |
| SPEI | MXN | MX$50.00 | MX$100,000 | 24/7, weekends included | — | under 5 minutes |
| Nequi | COP | COP 20,000.00 | COP 20,000,000 | 24/7, weekends included | — | about 5 minutes |
| Transferencia CBU / CVU | ARS | ARS 5,000.00 | ARS 5,000,000 | 24/7, weekends included | — | about 5 minutes |
| M-Pesa | KES | KES 100.00 | KES 150,000 | 24/7, weekends included | — | under 5 minutes |
| Virement bancaire NIP | NGN | NGN 5,000.00 | NGN 5,000,000 | 24/7, weekends included | — | under 5 minutes |
| MTN Mobile Money | GHS | GHS 10.00 | GHS 50,000 | 24/7, weekends included | — | under 5 minutes |
| Wave | XOF | F CFA 100,000 | F CFA 200,000,000 | 24/7, weekends included | — | under 5 minutes |
| Orange Money | XOF | F CFA 100,000 | F CFA 100,000,000 | 24/7, weekends included | — | about 5 minutes |
| GCash | PHP | ₱100.00 | ₱50,000 | 24/7, weekends included | — | under 5 minutes |
| Virement FAST | TRY | TRY 200.00 | TRY 1,000,000 | 24/7, weekends included | — | about 5 minutes |
| Virement bancaire AED | AED | AED 100.00 | AED 1,000,000 | Business days | 14:00 | about 4 hours |
| Virement international SWIFT | USD | $500.00 | $1,000,000 | Business days | 13:00 | 2 business day(s) |
A cut-off means an order confirmed after that local time leaves on the next business day. It is the main reason a quoted time differs from a lived one, and it is shown before you confirm.
Converting a digital asset into legal tender falls under anti-money-laundering regulation: identifying the beneficiary is not optional. What varies is how deep the check goes, according to the amounts involved.
| Tier | Per transaction | Rolling 30 days | Rolling 12 months | Effective ceiling | Processing time |
|---|---|---|---|---|---|
| No identity document | €12,000 | €12,000 | €12,000 | €12,000 | Immediate |
| Light verification | €1,000 | €1,000 | €3,000 | €1,000 | Automated, a few minutes |
| Standard verification | €15,000 | €15,000 | €50,000 | €15,000 | Automated, human review if a document is unreadable |
| Enhanced verification | No fixed cap | No fixed cap | No fixed cap | €100,000 | 1 to 3 business days, always human-reviewed |
Up to EUR 12,000 over a rolling 30 days, no identity document is requested. You provide your name, address and a phone number: the details needed to execute the transfer and to accompany it. Above the threshold, verification becomes mandatory before any payout.
Designed for a one-off disposal. The payout beneficiary must carry the same name as the ID: it is the single biggest cause of bank rejection, and it is not negotiable.
The default tier for a regular seller. It unlocks every open rail, including those whose per-transaction ceiling exceeds the light tier cap.
No fixed cap: the limit becomes the rail’s own ceiling and whatever the source-of-funds review supports. Beyond that we split the operation or route it to an over-the-counter desk.
Amounts are in euros. For a rail settled in another currency, conversion uses the mid rate on the day of the order. The “effective ceiling” column applies the lower-of-the-two rule on Virement SEPA Instantane, taken as the reference rail.
How verification worksIndependently of the rail, every asset carries a minimum deposit. There is nothing arbitrary about it: below that threshold the on-chain withdrawal cost absorbs so much of the amount that the operation stops making sense for you.
| Asset | Minimum deposit | Default network | Rate lock | Type |
|---|---|---|---|---|
| Bitcoin BTC | 0.0005 BTC | Bitcoin | 15 min | Volatile |
| Ethereum ETH | 0.005 ETH | Ethereum (ERC-20) | 15 min | Volatile |
| Tether USDT | 20 USDT | Tron (TRC-20) | 30 min | Stablecoin |
| USD Coin USDC | 20 USDC | Ethereum (ERC-20) | 30 min | Stablecoin |
| Litecoin LTC | 0.2 LTC | Litecoin | 15 min | Volatile |
| Solana SOL | 0.1 SOL | Solana (SPL) | 15 min | Volatile |
| Tron TRX | 100 TRX | Tron (TRC-20) | 15 min | Volatile |
| XRP XRP | 20 XRP | XRP Ledger | 15 min | Volatile |
| BNB BNB | 0.03 BNB | BNB Smart Chain (BEP-20) | 15 min | Volatile |
| Dogecoin DOGE | 100 DOGE | Dogecoin | 15 min | Volatile |
| Cardano ADA | 40 ADA | BNB Smart Chain (BEP-20) | 15 min | Volatile |
| Avalanche AVAX | 0.5 AVAX | Avalanche C-Chain | 15 min | Volatile |
| Stellar XLM | 100 XLM | Stellar | 15 min | Volatile |
| Toncoin TON | 5 TON | TON | 15 min | Volatile |
| Bitcoin Cash BCH | 0.05 BCH | Bitcoin Cash | 15 min | Volatile |
| Dai DAI | 20 DAI | Ethereum (ERC-20) | 30 min | Stablecoin |
| Polygon POL | 20 POL | Polygon PoS | 15 min | Volatile |
| Chainlink LINK | 1 LINK | Ethereum (ERC-20) | 15 min | Volatile |
Why a minimum per asset rather than one threshold
Because the withdrawal cost is denominated in the asset, not in euros. Withdrawing BTC costs a fraction of a BTC; withdrawing XLM costs a fraction of an XLM, incomparably smaller in value. A single euro threshold would be too high for some and too low for others.
The lock window is not the same for everyone
A stablecoin barely moves: its lock window is twice as long. On a volatile asset the rate is frozen for less time, because we carry the market risk during that window. If the deposit lands after expiry we re-quote and wait for your acceptance.
None of these cases makes funds disappear. They only change the path taken, and each is handled by a dedicated screen rather than a generic error message.
No, and this is not about commercial tolerance. Deliberately splitting an operation to stay below a regulatory threshold is called structuring, and it is precisely the behaviour anti-money-laundering systems are designed to detect. Totals are computed over rolling windows, which makes the manoeuvre pointless anyway.
Indirectly, yes: they depend on the rail available where you are, and each rail carries its own limits set by its national operator. Verification tiers, by contrast, are identical everywhere, expressed in euros and converted at the day’s rate.
To the amount paid out — the net, after fees. That is the amount that actually travels on the rail, and it is what the rail operator caps. The calculator shows that net before you confirm anything.
Light and standard verification are automated and usually complete within minutes. Enhanced verification involves human review and a source-of-funds analysis: expect one to three business days. None of these tiers is charged for.
A tier is never removed without cause. It can be suspended if a document expires, if a compliance check requires an update, or if the information provided stops matching. In every case the reason is notified and operations already under way run to completion.
No count limit. The only bounds are amounts: per transaction, over a rolling 30 days and over a rolling 12 months. An unusual frequency may however trigger a compliance review, which is the system working normally, not a penalty.