Wealify Wallet

Wallet balances and transactions

The Wallet is where Wealify keeps your money: your VND balance, USD balance and stablecoin wallet (USDT / USDC).

Wallet balance

Choose the Wallet menu. The Wallet balance tab shows all your money by currency.

Wallet	Meaning
Total wallet balance	Total assets converted to VND, with the Top up and Transfer buttons
VND / USD balance (labeled "Fiat" on screen — meaning regular currency, not stablecoin)	A table by currency, VND and USD: number of Global Accounts, Incoming, Outgoing, Available balance
Stablecoin balance	Total USDT / USDC converted to USD, the networks in use and the View all stablecoin wallets link

Balance type	Meaning
Incoming	Incoming payments being processed, not yet usable
Outgoing	Money for transfer orders being processed, already held
Available balance	The amount you can use right away to transfer or top up a card

⚠️ NOTE: VND BALANCES CAN'T BE USED TO TOP UP CARDS

Card top-ups and card fees only come from your stablecoin balance. Your VND balance is used to transfer to Vietnamese banks.

Details on adding money to your Wealify wallet

Choose Top up on the Overview or Wallet screen, then choose one of two ways:

	Goes into balance	How it works	Fee	What this balance is used for
From your Global Account	VND or USD	Money that platforms send to your Global Account is added to the Wallet automatically after confirmation. Choose Go to Global Account list to get the account number to send to the payer. To get your receiving details: for VND, see the article Add your Global Account VND details to the payment section on the platform (section 6.3.2); for USD, see the article Get your receiving details — ACH, Wire or SWIFT (section 7.3.3).	Receiving fees depend on your tier and the source. For the exact fees, see the article Global Account VND fees and limits (section 6.5.1) or Global Account USD fees and limits (section 7.6).	Transfer to a bank, or convert to USDT under the conditions in the article Transfer USDT to the stablecoin wallet (section 7.5.3)
Top up with USDT / USDC	USDT / USDC	Send USDT or USDC from an exchange or an external wallet to your Stablecoin wallet address. The money arrives after the blockchain network confirms it	No top-up fee	Create cards, top up cards, pay the Global Account USD opening fee

View Wallet transaction history

Transaction types: Top up (money into the Wallet) · Transfer (money out) · Refund (money back to the Wallet) · Adjustment (Wealify adjusts the balance, with a note).

Transaction statuses:

Status	Meaning	What you need to do
Pending	The transaction has been recorded but processing hasn't started	No action needed
Processing	The transaction is being reconciled / confirmed	No action needed
Awaiting confirmation	Waiting for confirmation from the bank or from you	View the transaction details. If documents are needed, you'll receive an email
On hold	The transaction is on hold for review	Wait. Wealify will contact you if documents are needed
Successful	The money has reached the Wallet (incoming) or the recipient (outgoing)	No action needed
Rejected	The transaction wasn't accepted	See the reason in the details. Please contact Wealify CS if you need help
Cancelled	The transaction was cancelled	No action needed
Expired	The transaction wasn't completed in time	Create a new transaction

View Global Account transactions:

For one account: choose the account in Wallet → Global Account and open the Transactions tab.
For all Global Accounts: go to Wallet → Global Account and open the All transactions tab. Filters include date range (last 14 days by default), status, transaction type and Global Account. The Counterparty column shows where the money came from, for example "From Etsy".

Choose Wallet → Transactions tab to see all money in and out of your Wealify wallet. You can filter by date range, transaction type, status and product (Global Account, Card, Stablecoin wallet).

Choose a transaction to see its details. Each type of fee is shown on its own line, saying clearly what it was charged for.

Recipients

Every transfer order on Wealify goes to a saved recipient. The recipient list has three tabs: All, Bank account, Stablecoin wallet.

Save a recipient before transferring money

Wealify only lets you transfer to a saved recipient, so you don't have to re-enter details every time and account number mistakes are reduced.

Choose Transfer → Recipients. The list has three tabs: All, Bank account, Stablecoin wallet.

Before you start, you need:

A Wealify account that is KYC or KYB approved.
If you've turned on two-factor authentication for Add payment method, you need to enter an OTP code each time you add a recipient.
For business accounts, only the account owner can add, edit or delete recipients.

Add a stablecoin wallet to receive USDT

Choose Transfer → Recipients → Add new recipient → Crypto wallet → Continue.
Choose the network that matches the recipient's wallet: Solana (SPL), Tron (TRC-20) or Ethereum (ERC-20). The currently supported token is USDT.
Paste the Wallet address and set a Nickname. You can choose Set as default recipient.
Choose Create recipient and enter the OTP if asked.

Edit, delete and set a default recipient

Action	How to do it and notes
Set as default	Each group — VND, USD, USDT — has one default recipient, pre-selected when you create an order. The first recipient in a group automatically becomes the default. When you set a new default, the old one is removed. How: click the three dots on the recipient row → Set as default. Note: the three-dot button doesn't appear on the All tab. Please switch to the Bank account or Stablecoin wallet tab.
Edit / delete	Click the three-dot button at the end of the recipient row → choose Delete recipient (or the action you need). A recipient labeled Default can't be deleted: set another recipient as default first. A USD recipient linked to an unfinished transfer order can only be edited / deleted after the order is complete. The three-dot button only appears on the Bank account or Stablecoin wallet tab, not on the All tab.
"Recipient already exists" message	This account number or wallet address has already been saved, even if you used a different nickname
Add one quickly while transferring	On the transfer screen, choose New recipient. The recipient you just created is selected for the current order

Stablecoin wallet (USDT / USDC)

The stablecoin wallet holds your USDT and USDC on Wealify, and it's also where Wealify takes fees charged in USD: the Global Account USD opening fee (personal accounts can choose to pay from their VND balance), virtual Visa card issuance fees and card top-ups. So keep enough stablecoin balance before doing these actions.

Create a stablecoin wallet and receive USDT / USDC

Choose Wallet → Stablecoin wallet. Each wallet is one receiving address on one blockchain network.

Create a new wallet:

Choose Create stablecoin wallet.
Choose the Network. The network can't be changed after creation. If you want to receive tokens on another network, please create another wallet.
Enter a Wallet name, then choose Create wallet.

Choose Set as default wallet so this wallet is pre-selected when fees need to be taken from your stablecoin balance.

Receive money into the wallet:

Choose the wallet in the list and copy the Wallet address.
On the exchange or external wallet, withdraw the tokens to this address and choose exactly the network shown on screen.
After the blockchain network confirms it, the transaction appears in the Transactions tab of the Stablecoin wallet with the type Top up.

⚠️ ALWAYS SEND A SMALL TEST AMOUNT FIRST

Stablecoin transactions run directly on the blockchain: sending to the wrong network, the wrong token or the wrong address means the money is lost forever, and Wealify can't recover it. So the first time you send, or when sending a large amount, send a small test amount first, confirm it has arrived in the Stablecoin wallet, and only then send the rest.

Only send the token and network shown on the top-up screen.
Sending the wrong token (for example ETH, BNB) or sending USDT on a different network to this address will lose that money forever; Wealify can't recover it.

⚠️ Sent to the wrong network or wrong address

Money sent on the wrong network, as the wrong token or to the wrong wallet address can't be recovered, even if you contact Wealify CS. The transaction runs directly on the blockchain; Wealify doesn't hold the money and can't recover it. Please check carefully before every transfer.

Before every transfer, please check 3 things:

The right network — the network you choose on the exchange must match the Stablecoin wallet's network.
The right token — Tron only accepts USDT; Solana and Ethereum accept USDT and USDC.
The right address — copy it directly and compare the whole address, not just the first and last few characters.

The first time you send to this address, or when sending a large amount, send a small test amount, confirm it has arrived in the Stablecoin wallet, then send the rest.

Blockchain networks supported for top-ups and outgoing transfers

The networks for top-ups and for outgoing transfers are not the same list. This is by design, not an error: your Wallet balance isn't tied to the network you topped up with, so you can top up on one network and transfer out on another.

Network	Top up to Stablecoin wallet	Transfer out to an external wallet	When to choose it
Tron (TRC-20)	USDT	USDT	Low network fees, popular with exchanges and wallets in Vietnam
Solana (SPL)	USDT, USDC	USDT	Very low network fees, fast confirmation
Ethereum (ERC-20)	USDT, USDC	USDT	The highest network fees; only use it when the sender requires it

For outgoing transfers, the only token currently supported is USDT. If you hold USDC, your USDC balance is converted to USDT when you create an outgoing transfer order.

How long money takes to reach the wallet

Money usually reaches your Wealify wallet in about 5–30 minutes, depending on the network you choose and blockchain conditions at the time. While you wait, the transaction is still running on the blockchain and Wealify hasn't received it yet.

⚠️ NOTE

While the first transaction is still being processed, don't send a second one. If you do, it becomes 2 separate transactions and you pay network fees again.

If your wallet balance still hasn't updated after this time:

Open the wallet or exchange you sent from and get the blockchain transaction ID (TxHash).
Check again that you sent on the right network and the right token for the Wealify wallet address.
Contact Wealify CS.

Have this ready when you contact us: TxHash · network chosen · amount · time sent.

Stablecoin wallet fees

Item	Details
Top up USDT / USDC to the Stablecoin wallet	Free
Convert USD to USDT into your stablecoin wallet	Per the Global Account USD fee schedule (percentage by tier + 20 USD per order, blockchain network fee included) — see chapter 7