Withdrawals
I'm having issues with transferring to centralized exchanges and withdrawing from my legacy Vault balance
If you're experiencing issues moving funds in World Money, select the scenario that best matches your situation below.
Note: Earn has replaced the WLD and USDC Vaults. If you still hold a legacy Vault balance, see Legacy Vault balances below.
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Issues Transferring to a Centralized Exchange
My transaction shows as completed, but the funds have not arrived
Transactions marked as Completed in World Money and/or on the blockchain may take some time to appear in the destination wallet or address.
Please allow up to 48 hours and check again. If the funds have not arrived after this period, contact the destination wallet or centralized exchange’s support team for further assistance.
What should I do if I sent funds to a Centralized Exchange?
If you’ve sent funds from World Money to a Centralized Exchange, contact the exchange directly for assistance in recovering the transaction. Once funds are sent, only the recipient can retrieve them, depending on the exchange’s token recovery policy and supported networks.
To avoid issues in the future, always make sure that the asset and network are supported before making transfers. Sending unsupported tokens may result in permanent loss of funds.
Learn more: What cryptocurrencies or tokens are supported on World Money?For more information, please visit: Can I retrieve my funds that were sent out from my World Money to an external address?
Why can't I send crypto if my balance seems sufficient?
If your available balance appears lower than expected, check whether your funds are in Earn or in a legacy Vault. Funds in either need to be withdrawn before you can send them.
- In Earn: see How do I use Earn? for withdrawal steps.
- In a legacy Vault: see Legacy Vault balances below.
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Legacy Vault balances
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What happened to my Vault?
Earn has replaced the WLD and USDC Vaults. If you held a Vault balance, you'll see an upgrade screen with two options:
- Upgrade to Earn: moves your balance into an Earn program, where it continues to generate rewards.
- Transfer to Spending: moves it to your spending balance, where it no longer earns rewards.
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I can't see my Vault balance since updating to World Money
Your funds are not lost. A legacy Vault balance stays on-chain until you move it. If your Vault balance shows as 0 or the Vault isn't visible, contact support with your app version, your operating system, and a screenshot of your Earn screen so we can locate it for you.
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How do I move my legacy Vault balance?
Tap the upgrade prompt when it appears and follow the steps. Once the balance has moved, manage it from Earn. See How do I use Earn?
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Airdrop Claimed to Vault
How do I access Airdrop funds if they were claimed to my Vault?
If a past WLD Airdrop was sent to your Vault, you'll need to move those funds before you can access them. See Legacy Vault balances above.
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.
How do I withdraw tokens?
Depending on your location, you can withdraw funds from your World Money wallet by transferring them either to a fiat account (such as a bank account or card) or to a crypto app. Follow the instructions below for each method.
Before you withdraw, keep in mind:
Fees: You can review any applicable fees in the withdrawal flow before confirming. Fees vary by provider and are displayed in-app to help you compare options. Providers with lower fees may appear first.
KYC: Some off-ramp providers may require identity verification (KYC) to activate your account and comply with local regulations.
Privacy: If you withdraw to a fiat account, you’ll be redirected to a third-party provider. Any personal information you provide during that flow is collected and processed by the provider. World Money does not receive or store your identity documents or other PII submitted to the provider.
Choose a withdrawal method:
Withdrawing Funds to a Fiat Account (Bank Account, Card, PayPal, etc.)
When withdrawing to a fiat account, you will be redirected to a third-party provider to complete the transaction. (Neither the World Foundation nor TFH control, endorse, or are responsible for your transactions with third-party providers.)
To withdraw funds to a bank account or card:
In the Home tab on World Money, tap on the More options (...) button.
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Select Withdraw.
3. Tap on the token that you wish to withdraw.
4. Select Fiat account.
5. Fill in the amount that you'd like to withdraw, and choose your preferred withdrawal method (provider). Then, tap Continue.
6. You will be redirected to the off-ramp provider withdrawal flow on an external website. Follow the instructions to continue.
7. Tap the Confirm withdrawal button to confirm the transaction.
8. Tap Done to exit.
Note: The transaction can take up to 3 business days to complete.Withdrawing Funds to a Crypto App
You may withdraw funds to a crypto app if it's supported by a compatible network.
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In the Home tab on World Money, tap on the More options (...) button.
- Select Withdraw.
Tap on the token that you want to withdraw.
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Choose Crypto app.
Select the Network, then the Crypto App where you would like to transfer to
Enter the wallet address where you wish to transfer, then Continue.
Fill in the amount that you'd like to withdraw, then Continue.
Tap the Confirm button to proceed with the withdrawal transaction.
- Tap Done to exit.
Please note: Transactions marked as completed in World Money or on the blockchain may not immediately appear as completed in external destinations such as wallets or centralized exchanges. Please allow up to 48 hours and check again. If the funds have not arrived after this period, contact the destination wallet or exchange’s support team for further assistance.
If you have questions about your transaction, contact the provider directly. If you need help with a withdrawal, you may be asked which off-ramp provider processed your transaction. See: In order to receive support, how do I check which off-ramp provider performed my withdrawal?
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.
How do I close my Virtual Account?
A Virtual Account is linked to your World Wallet. If you no longer need it, you can close it through World Money.
Closing a Virtual Account means the account will no longer accept deposits, and you will need to create a new one if you want to receive deposits again.
Steps to close your Virtual Account
- Tap your profile icon to see the Settings page.
- Choose the account you want to close by tapping on the Details button.
Select the three dots.
Tap Remove Account.
- A message will appear letting you know that once the account is closed, any incoming direct deposits will be returned. Tap Yes to confirm.
You’ll see a confirmation message once the process is complete.
Important things to know
Once closed, your Virtual Account cannot be reactivated.
If you need to receive payments again, you must create a new account.
Pending transfers sent to a closed account will fail and be returned to the sender.
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.
How do I deposit into my Virtual Account?
Depositing assets into your Virtual Account is simple: You can receive funds by sharing your account details. Any supported funds deposited will be converted and reflected in your World Wallet balance into the corresponding digital asset for your account type.
Note: The steps below vary depending on your account type and location.
How to receive deposits
USD Virtual Account
Tap your profile icon to see the Settings page.
- Select Virtual account.
Choose the account or currency where you want to receive funds and tap on Account Details.
- You can also tap Share details to send your account information through other channels (e.g., email, chat).
You’ll receive a notification in the app as soon as the funds are deposited.
Ripio Virtual Accounts in Argentina, Colombia, and Mexico
How to receive funds (Pay In)
- Tap your profile icon to see the Settings page and tap Virtual Account.
If you have more than one Virtual Account, tap the currency in the top left to change it from US Dollars to ARS.
Tap Account Details to view your local account identifier (e.g., CVU for Argentina, BreB for Colombia, CLABE for Mexico).
- Copy your local account identifier or tap Share All Details.
- Ask your bank or payer to send a transfer in your local currency to your account identifier.
- Once received, funds are automatically converted into the corresponding digital asset and added to your wallet. Check your app for the current minimum transfer amount. No fees currently apply.
How to withdraw funds (Pay Out)
- Tap your profile icon to see the Settings page and tap Virtual Account.
- Tap Send or Withdraw.
Select your local digital asset.
Select bank transfer.
- Enter your local account identifier as the destination.
Confirm the amount and complete the withdrawal. Your digital assets will be converted to local currency and sent to your bank. No fees currently apply.
How deposits are processed
When assets are sent to your Virtual Account, they are handled by our trusted providers:
USD Virtual Account
- Lead Bank: issues your account details for receiving deposits.
- Bridge: converts your deposit from fiat (US dollars) into USDC and deposits the USDC into your World Wallet.
Ripio Virtual Accounts in Argentina, Colombia, and Mexico:
- Ripio: processes your deposits and withdrawals, and converts between your local currency and the corresponding digital asset.
Important:
- If you are sending money from your own bank account, the name on your bank account must match the name on your Virtual Account in World Money.
- Processing times vary depending on your bank and when the payment is sent, usually taking 1–3 business days.
Frequently Asked Questions (FAQ)
My funds are missing or haven’t arrived in my account.
If you don’t see your funds, please contact the Support Team directly through World Money, so we can investigate.
- If the transfer came from your bank account, ask your bank for a Trace ID.
- Sharing this information with us will help us locate your transaction faster.
When will my funds arrive?
- ACH transfers: Usually take 1–3 business days. If it’s a same-day ACH sent before 4 p.m. EST, it should arrive that same day.
- Wire transfers: They’re usually completed within a few hours and always the same day if sent before 5 p.m. EST.
Why was my Virtual Account deposit rejected?
Here are the common reasons for a rejected deposit:
- Incorrect account or routing number
- Unsupported currency
- Person-to-person transfer attempted (only institutional deposits allowed)
- Sender bank restrictions
- Name mismatch between sender and account holder
Rejected funds are typically returned to the sending account within 3-5 business days.
What is the minimum amount that I can send or receive?
The minimum amount depends on your account type. For USD Virtual Accounts: $1 USD. For Ripio Virtual Accounts (Argentina, Colombia, and Mexico), check your app for the latest minimum amounts.
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.
How do I create a Virtual Account?
A Virtual Account lets you receive money from businesses, or your own bank directly, and it is converted into the corresponding digital asset and deposited into your World Wallet.
Creating your Virtual Account only takes a few steps:
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In the Home tab, tap your profile icon to open the Settings page.
- Select Virtual account and select the currency that you want to direct deposit into World Money.
- Select the Create virtual account button.
- Select one of the verification options and tap Continue. Then, follow the steps to complete the KYC verification process.
6. Once your ID verification has been completed, your Virtual Account will be created once approved. To view your account details, select Account details.
The Virtual Account is active right away, so you can start sharing it with your employer, businesses, or use it to fund your own wallet.
Things to keep in mind
- Each Virtual Account is unique to you and linked to your World Wallet.
- You can create multiple accounts.
- Only supported currencies and regions are available; check your app for the latest list.
- Transfers sent to your Virtual Account are converted into the corresponding digital asset and reflected in your World Wallet balance.
For more details about Virtual Accounts and how they work, please visit our Help Center article: What is a Virtual Account?
For more details about transactions with Virtual Accounts: How do I deposit into my Virtual Account?
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.
What is a Virtual Account?
A Virtual Account lets you receive funds into your World Wallet. Supported funds are automatically converted into the corresponding digital asset for your account type.
Virtual Accounts are available in two types, depending on your location. USD Virtual Accounts receive US dollars via bank transfer, are powered by Lead Bank (account issuance) and Bridge (conversion to USDC), and support paycheck and employer deposits.
Ripio Virtual Accounts receive local currency via your country's local payment network, are available in Argentina, Colombia, and Mexico, powered by Ripio, and do not support paycheck or employer deposits.
This means:
- You can receive business payments. USD Virtual Account holders can also receive paycheck and employer deposits. This is not available for Ripio Virtual Accounts.
- You can fund your World Wallet by sending money from your own bank account.
Note: Supported currencies depend on your location. Check your app for the latest availability.
How it works
USD Virtual Account
The flow of funds is simple:
- Money is sent to your virtual account number.
- Lead Bank (the provider) receives the transfer.
- The money is converted into stablecoins (USDC) by Bridge.
- The USDC is added to your World Wallet on World Chain.
Ripio Virtual Accounts in Argentina, Colombia, and Mexico
This section applies to users in Argentina, Colombia, and Mexico.
If you have a local Virtual Account, your account uses a local account identifier assigned through your country's payment network. The flow of funds is:
- Your local currency is sent to your local account identifier from a local bank or payment provider.
- Incoming funds are automatically converted into the corresponding digital asset and added to your World Wallet.
- You can also withdraw your digital assets to a supported bank account through the Withdraw option in your World Money. Your assets will be converted back to local currency on the way out.
- This account is powered by Ripio. A Ripio account and local residency documentation are required to open one.
| Account Type | Currency | Digital Asset | Account Identifier(s) |
| USD Virtual Account | USD | USDC | Account Number + Routing Number |
| Argentina Virtual Account | ARS | wARS | CVU (Clave Virtual Uniforme) |
| Colombia Virtual Account | COP | wCOP | BreB |
| Mexico Virtual Account | MXN | WLD | CLABE |
Frequently Asked Questions (FAQ)
What are the main benefits of a Virtual Account?
Virtual Accounts are useful in different situations:
- Receive payments into your wallet through your Virtual Account.
- Business payments: Receive payments from companies. Keep in mind that person-to-person transfers are not yet supported.
- Self-funding: Move money from your own bank account to your World Wallet easily.
If I have a question about a payment. How can I contact support?
Our Support Team is here to help you make the most of your Virtual Account. We can assist you with:
- Explaining what it is and how it works.
- Guidance on creating or closing your Virtual Account.
- Questions about supported currencies and available use cases.
- Support with the transfers or deposits status.
Can I have more than one Virtual Account?
Yes, it is possible to have more than one account.
If you need help, please contact our Support Team directly through World Money. Please avoid contacting the banking partners directly, as they are not best suited to help you in the first instance.
If you need more information, check these articles out:
- How do I create a Virtual Account?
- How do I deposit into my Virtual Account?
- How do I close my Virtual Account?
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.
In order to receive support, how do I check which off-ramp provider performed my withdrawal?
When you withdraw funds from your World Wallet to a fiat account (debit card or bank transfer, for example), the transaction process is fully managed by a third-party provider (also known as off-ramp provider). We do not take control of or transmit your funds or digital tokens at any time while providing our services, or when you access third-party services.
Therefore, if you need help with any transaction made via an off-ramp provider, you will need to contact them directly. This includes requests to:
- Change bank account or card details (CBU, CLABE, etc.)
- Report pending or delayed transactions
To request assistance from an off-ramp provider, you will first need to gather and share the following information from your transaction:
- The name of the off-ramp provider who enabled your withdrawal
- The Transaction ID
- The Transaction Hash
- Your World wallet address
Below, you'll find instructions to gather these details and to contact the off-ramp provider.
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Finding your Transaction Details
To find this information, please follow these steps in your World Money:
1. Go to the History tab
2. Slect the transaction type you want to see.
3. Identify the specific transaction and select it to open its details
4. The off-ramp provider name will be shown under Provider
5. Click Show More, the transaction ID will appear under Transaction ID
6. To find the Transaction Hash, tap on the Details on blockchain button
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Finding your World Wallet Address
To find your World wallet address:
1. Tap your profile icon to open your Settings page.
2. Select Wallet.
3. Go to Address and copy it. This is your World wallet address.
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Reaching Out to the Off-Ramp Provider
Once you gather all of the information listed above, share it with the off-ramp provider.
Open the transaction record in your World Money, and tap the Get Help button to be directed to their support channel.
Alternatively, you can try contacting them through their dedicated support channels:
Alfred Pay
https://api.whatsapp.com/send?phone=19547621830&text=Hola%20necesito%20ayuda
Banxa
https://support.banxa.com/en/support/home
Coinbase
https://help.coinbase.com/contact-us
Koywe
Manteca
https://ramp.manteca.dev/support/
MoonPay
MX Global
https://mxglobal.com.my/en/contact-us
Onramp Money
https://onrampmoney.freshdesk.com/support/tickets/new
Ramp Network
https://support.rampnetwork.com/
Stripe
https://support.link.com/topics/crypto
TransFi
https://transfi-customersupport.freshdesk.com/support/tickets/new
Ripio
Argentina: https://help-ar.ripio.com/
Colombia: https://help-co.ripio.com/
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.