Can I withdraw my platform balance?
The balance is designed for card issuance and top-ups. If you genuinely need to exit (e.g. no longer using the platform), open a ticket; after review the funds are returned via USDT to the original route, with on-chain transfer fees deducted.
The word "withdrawal" tends to make people assume the platform balance is a wallet account you can pull cash from at any time. It isn't — there is no standalone withdrawal button, and the only path for getting your balance back on-chain is account closure. The reason lies in what the platform balance is for in the system: it is a pool of funds set aside for card issuance and top-ups, not a demand deposit. This positioning determines the nature of taking funds out: it is a one-time settlement when you exit the platform, not a cash-out button for shuffling money back and forth day to day.
So the thing to be clear about is not "does the feature exist," but how this path runs, what it costs, and what happens to your account at the end of it. Once you understand the following four things — the three destinations for your balance, the four steps of closing your account to take funds out, the fee and the minimum thresholds, and how to work around the freeze period — payouts hold no surprises.
The platform balance has three destinations, and account closure is the only exit channel
| Destination | Purpose | Crediting time | Fee |
|---|---|---|---|
| Card issuance | Deducts the card issuance cost from the balance and generates a new card | Seconds | Card issuance fee from $1/card + 2% service fee on the issued limit |
| Card top-up | Moves funds from the balance into a specified card's limit | Instant | 2% service fee on the card top-up |
| Account closure payout (exit) | Platform balance returned in USDT; the account is closed once paid out | 24-hour cooling-off period + manual review | A flat $2 platform fee (the on-chain transfer fee is already included) |
Taking funds out runs through account closure, in four steps
- First close every card under your name one by one (including frozen cards and cards in an abnormal state): a payout moves the platform balance, so the limit inside a card must first be settled back to the balance by closing that card. As long as one card is still open, the closure request cannot be submitted. Note that for a card closed only right before exiting, the corresponding limit can only leave after the upstream 60-90 day freeze period ends; see the next section.
- Submit the account closure request in your account settings: it is self-service, requiring your login password plus an email verification code, and you fill in the chain and address that will receive the USDT.
- A 24-hour cooling-off period, then platform manual review: the cooling-off window is there for you to change your mind, and the review reconciles the ledger and confirms there are no in-flight transactions or unsettled funds.
- Payout after approval: the platform balance is sent in USDT to the address you entered, less a flat $2 fee. Once the payout is complete the account is locked as closed and can no longer be logged into.
A card closed only right before exiting has its limit wait out the 60-90 day freeze period
This is the only step in the payout that requires waiting, and it deserves a separate, clear explanation. In everyday use, when you close a card, the remaining limit is advanced by the platform and returned to your platform balance instantly, so you don't have to wait. But when you close your account and want to move the money entirely off the platform, the upstream issuer's 60-90 day freeze period on closed cards comes into play: that portion of the funds can only leave after the freeze period ends. In other words, circulating funds inside the platform is unaffected; only at the final payout will the corresponding limit of those cards closed only right before exiting involve a waiting period. By planning ahead and settling the cards you no longer use early, you can work around this freeze period.
The fee is a flat $2, and each chain has its own minimum payout threshold
- Return route: once approved, funds are sent in USDT to the address you entered in the closure request, on either TRC20 or ERC20; only USDT is paid out, with no returns to bank card / Alipay / WeChat.
- Fee: the platform charges a flat $2 per payout, which already includes the on-chain transfer fee, with nothing charged on top as a percentage. Leaving funds parked in your platform balance incurs no fee at all — no custody fee, holding fee, or monthly fee.
- Minimum payout threshold: TRC20 requires a balance of at least $12 and ERC20 at least $3. Below $3 neither chain clears its threshold, and the only remaining option in the closure flow is to tick "forfeit the balance," which means those funds are not returned. So if you plan to exit, don't run your balance down to small change first.