Funding your wallet for the first time

Xiaomi Crowd Trading uses a single central wallet. Top it up from any supported rail; once funded, the wallet pays for everything — trades, purchases, and contributions.

Supported deposit methods

Card (Visa / Mastercard / UnionPay / Amex)

Instant. No fee from us; your bank may apply FX or interchange.

Alipay

Available to CN, HK, SG users. Instant.

WeChat Pay

Available to CN users. Instant.

M-Pesa

Kenya pilot only. Instant.

Bank transfer (SWIFT, SEPA, FPS)

Same-business-day in the launch regions; SWIFT can take 1–3 days.

Crypto on-ramp

Via a licensed partner. Same-business-day clearance.

Which one should I use?

Pick based on speed and cost:

• Need it instantly and the amount is under $5,000 → card or local wallet (Alipay/WeChat).
• Larger amount and you have time → bank transfer (lower fees).
• Already hold crypto → on-ramp from your wallet (no FX).

Limits

Default daily deposit limit for KYC L2 is USD 50,000 equivalent. Above this you’ll be asked to upgrade to L3 (source-of-funds documents). Same-day deposits are capped at three per method as a fraud control; this can be relaxed after 30 days of clean activity.