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How we handle your funds

How we handle your funds

How we handle your funds

At Swapped.com, we are committed to providing a secure and transparent service for buying and selling crypto-assets. As a non-custodial platform, you stay in full control of your assets. You cannot store assets on our platform. Instead, we have designed robust processes to safeguard your transactions and comply with relevant regulations, including MiCA.

At Swapped.com, we are committed to providing a secure and transparent service for buying and selling crypto-assets. As a non-custodial platform, you stay in full control of your assets. You cannot store assets on our platform. Instead, we have designed robust processes to safeguard your transactions and comply with relevant regulations, including MiCA.

At Swapped.com, we are committed to providing a secure and transparent service for buying and selling crypto-assets. As a non-custodial platform, you stay in full control of your assets. You cannot store assets on our platform. Instead, we have designed robust processes to safeguard your transactions and comply with relevant regulations, including MiCA.

On-ramp

When you buy crypto

When you buy crypto

When you buy crypto

Instant payment methods

Instant payment methods

For payments made with Google Pay, Apple Pay, credit cards, or other instant payment methods:

Funds are reserved, not held
We reserve your payment, but your money stays in your bank and is only charged and sent to us after we have sent you your crypto.


Crypto first, payment second
Your crypto is sent to your wallet before we charge your credit card. You'll also receive a receipt with the transaction ID as proof.


Additional security checks
If a manual review or extra documentation (like proof of funds) is needed, we won’t process the transaction until these are approved. If not approved, the authorization is canceled, and no money is taken.

For payments made with Google Pay, Apple Pay, credit cards, or other instant payment methods:

Funds are reserved, not held
We reserve your payment, but your money stays in your bank and is only charged and sent to us after we have sent you your crypto.


Crypto first, payment second
Your crypto is sent to your wallet before we charge your credit card. You'll also receive a receipt with the transaction ID as proof.


Additional security checks
If a manual review or extra documentation (like proof of funds) is needed, we won’t process the transaction until these are approved. If not approved, the authorization is canceled, and no money is taken.

Non-instant payments

Non-instant payments

For payments via bank transfer:

Dedicated accounts for your money
Client funds are kept in separate accounts and are not mixed with operational company funds. We maintain detailed records for each transaction.

Funds stay safe until crypto is delivered
We don’t touch your money until we have sent you your crypto.

Refunds for declined transactions
If a transaction cannot be completed, your funds are refunded from the same secure account.


Protection during rare events:
Should Swapped.com ever close down, client funds in segregated accounts remain safe for refunds.

For payments via bank transfer:

Dedicated accounts for your money
Client funds are kept in separate accounts and are not mixed with operational company funds. We maintain detailed records for each transaction.

Funds stay safe until crypto is delivered
We don’t touch your money until we have sent you your crypto.

Refunds for declined transactions
If a transaction cannot be completed, your funds are refunded from the same secure account.


Protection during rare events:
Should Swapped.com ever close down, client funds in segregated accounts remain safe for refunds.

Off-ramp

When you sell crypto

When you sell crypto

When you sell crypto

Sending us crypto

Sending us crypto

Unique wallet addresses
We use over 10,000 wallet addresses to receive your crypto securely. Each address is rarely used to maintain security and privacy.

Accurate transactions

For cryptos like XRP and TON, which support destination tags/Memos, we ensure precise processing by using unique tags for each transaction.

Time-limited

Transactions are valid for six hours. If we receive funds outside this period, they are refunded.


Real-time tracking
You’ll receive live updates about your transaction status via our platform.

Transferring funds to you

Transferring funds to you

Crypto first, transfer after

Funds are transferred to your bank only after your crypto transaction us Swapped has been confirmed on the blockchain


Automated refunds
Our system automatically refunds transactions that don’t meet our requirements, such as invalid timing or large differences from the expected amount.


Additional security checks
If a manual review or extra documentation (like proof of funds) is needed, we won’t process the transaction until these are approved. If not approved, the refund happens automatically.


Unfinished transactions remain protected
The funds you send us for a transaction never leave the address you send it to, until the transaction is either completed or refunded. The funds are kept separate from our other wallets.

Our promise

Our commitment to
transparency and compliance

Our commitment to
transparency and compliance

Monitoring and reviews

Monitoring and reviews

Transactions are reviewed within 30 minutes to ensure smooth processing. 


Any extra documentation required is reviewed within 24 hours, ensuring timely communication.

Transactions are reviewed within 30 minutes to ensure smooth processing. 


Any extra documentation required is reviewed within 24 hours, ensuring timely communication.

Clear communication

Clear communication

Our Help Center provides easy-to-understand guides about our policies.


You’ll receive real-time updates on every stage of your transaction.


Refunds and declined transactions are handled in strict compliance with relevant regulations, including MiCA.

Our Help Center provides easy-to-understand guides about our policies.


You’ll receive real-time updates on every stage of your transaction.


Refunds and declined transactions are handled in strict compliance with relevant regulations, including MiCA.

FAQ

Understanding payment terms

Understanding
payment terms

What is Authorization?

Authorization is the process where we check with your bank or payment provider to confirm that funds are available for a transaction. During authorization, the funds are reserved but not actually transferred to us. This ensures you have enough funds for the purchase without withdrawing the money yet.

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What is Authorization?

Authorization is the process where we check with your bank or payment provider to confirm that funds are available for a transaction. During authorization, the funds are reserved but not actually transferred to us. This ensures you have enough funds for the purchase without withdrawing the money yet.

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What is Authorization?

Authorization is the process where we check with your bank or payment provider to confirm that funds are available for a transaction. During authorization, the funds are reserved but not actually transferred to us. This ensures you have enough funds for the purchase without withdrawing the money yet.

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What is Capturing?

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What is Capturing?

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What is Capturing?

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What is Voiding?

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What is Voiding?

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What is Voiding?

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What is a Refund?

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What is a Refund?

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What is a Refund?

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How does time-limited authorization work?

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How does time-limited authorization work?

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How does time-limited authorization work?

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