> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/wallet/deposits.md).

# Deposits

Bankly is funded with crypto. You add money to your wallet **Total balance**, then spend it with your Bankly Visa card anywhere Visa is accepted.

{% hint style="info" %}
Your wallet **Total balance** is your pool of deposited funds. It is separate from any individual card balance — funding a card draws from this pool. See [Portfolio](/wallet/portfolio.md) for the full picture.
{% endhint %}

## Supported assets

You can deposit any of the following:

* **USDC** — primary asset; mirrors your balance
* **USDT**
* **BTC**
* **ETH**
* **SOL**
* **BNB**

Each asset is available on its own networks. The app shows the exact network for the address you are sending to.

## How to deposit

1. Open Bankly and go to **Add money** (deposit).
2. Choose the **asset** you want to send (for example, USDC).
3. Choose the **network** for that asset.
4. Copy the deposit **address** shown — or scan the QR code.
5. From your own wallet or exchange, send the amount you want to deposit to that address.
6. Wait for the network to confirm. Your **Total balance** updates automatically once the transaction is credited.

{% hint style="warning" %}
Always send the **correct asset on the correct network**. Sending the wrong asset, or the right asset on the wrong network, can result in funds that cannot be recovered. When in doubt, match the asset and network shown in the app exactly before you send.
{% endhint %}

## When funds arrive

* Deposits are credited after the network reaches enough confirmations.
* Timing depends on the asset and network you chose, plus current network conditions — some clear in moments, others take longer.
* Network (miner) fees are charged by the blockchain itself, not by Bankly. Send enough to cover the network fee so the full amount you intend to deposit arrives.
* USDC deposits mirror your balance directly. Other assets are credited to your wallet as well.

{% hint style="info" %}
Only send a deposit to an address generated inside the Bankly app for that specific asset and network. Generate a fresh address from **Add money** each time if you are unsure.
{% endhint %}

## After your deposit

Once your **Total balance** reflects the deposit, you can:

* Fund a card and start spending with your Bankly Visa
* Review your balances and activity in [Portfolio](/wallet/portfolio.md)

Your account and balance are shared across the iOS app, the Telegram mini-app, and **bankly.cc** — deposit on one, spend on any.


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