User guide

How to open an account and start receiving payments

Everything in one place: sign up, pass verification, open a fiat account, and decide what happens to the money your clients send — automatic conversion to USDC/USDT, or a fiat balance you withdraw to your bank later.

Create an account Go to the dashboard
Free to openNo monthly feeNo minimum balance

From sign-up to your first payment

Five steps, usually completed the same day. Verification is the only part that depends on our payment provider’s review.

1

Create your account

Sign up with email or Google, then choose the account type: Individual for freelancers and personal use, Business for companies and agencies.

What you do

  1. 1Click “Get started” in the top menu and sign up with your email or your Google account.
  2. 2Choose the account type — Individual or Business.
  3. 3Enter the 6-digit code we send to your email to confirm the address.
  4. 4You land on the dashboard: the account exists, verification has not started yet.

Good to know

Takes a couple of minutes
Free to open, no monthly fee

Action flow

  1. 1Sign up

    email or Google

  2. 2Account type

    Individual / Business

  3. 3Email code

    6 digits

  4. 4Dashboard

    account created

2

Pass verification (KYC / KYB)

Verification runs on a secure page hosted by our payment provider, Bridge. Your documents go directly to them and never pass through FinT365.

What you do

  1. 1On the dashboard, open the onboarding banner (or Account → Verification).
  2. 2Press “Start verification” — you are taken to Bridge’s secure page.
  3. 3Fill in your details and upload the document you are asked for; individuals also take a quick selfie.
  4. 4Come back to the app: the status updates to Verified automatically once the check is done.

Good to know

Individual → KYC, Business → KYB
Usually under a minute; manual reviews may take until the next business day

Action flow

  1. 1Onboarding

    in the app

  2. 2Start verification

    one click

  3. 3Bridge page

    details + document

  4. 4Status: Verified

    unlocks accounts

3

Open a fiat account

A virtual account is a real account number, IBAN or sort code in your name that you hand to clients. You choose the currency and where the incoming money should go.

What you do

  1. 1Open “Fiat Account” in the menu and press “Create account”.
  2. 2Pick the currency: USD (ACH/Wire), EUR (SEPA), GBP (FPS), MXN (SPEI) or BRL (PIX).
  3. 3Choose the destination for incoming payments — your crypto wallet, or the Bridge wallet balance.
  4. 4Copy the account details and send them to your client.

Good to know

Real account number, IBAN or sort code to share with clients
One account per currency

Action flow

  1. 1Fiat Account

    in the menu

  2. 2Create account

    one per currency

  3. 3Currency

    USD / EUR / GBP / MXN / BRL

  4. 4Destination

    wallet or balance

  5. 5Account details

    share with clients

4

Decide where the money goes

Two destinations: send it automatically to your own stablecoin wallet, or keep the balance on your Bridge wallet. You choose per account, and you can change the rules later.

What you do

  1. 1Open “Payout Wallet” in the menu.
  2. 2Choose “Auto-send to crypto wallet” or “Store on Bridge wallet”.
  3. 3For auto-send: enter the wallet address, the stablecoin (USDC or USDT) and the network.
  4. 4Confirm with your two-factor code — the rule applies to every new payment.

Good to know

Automatic conversion to USDC or USDT
Percentage, stablecoin, network and destination address are all configurable

Action flow

  1. 1Payout Wallet

    in the menu

  2. 2Destination

    wallet / Bridge balance

  3. 3Address + coin + network

    for auto-send

  4. 42FA confirm

    rule saved

5

Get paid and follow it through

Share your account details or send an invoice from the app. When the payment arrives, the conversion runs automatically and the funds land where you chose.

What you do

  1. 1Share your account details, or send an invoice from “Invoices”.
  2. 2The client sends the payment from their own bank account.
  3. 3The money arrives, converts to USDC/USDT and goes to the destination you set.
  4. 4Track the status in Dashboard and Transactions — an email tells you when funds land.

Good to know

Statuses update as the payment moves
Email notifications when funds arrive

Action flow

  1. 1Details or invoice

    to your client

  2. 2Client pays

    from their bank

  3. 3Auto-convert

    to USDC / USDT

  4. 4Funds arrive

    wallet or balance

Two ways to use your account

The difference is one choice: what happens to a payment after it is converted. Both start the same way — money arrives and converts to USDC or USDT automatically.

Option A

Automatic payout to your stablecoin wallet

Money that arrives is converted and sent on-chain to a wallet address you control.

1Open the fiat account and choose “Auto-send to crypto wallet”.
2Enter the destination wallet address, the stablecoin and the network (Ethereum, Solana, Polygon, Base, Arbitrum).
3Every incoming payment is converted and delivered to that address automatically.
Best for: keeping funds in your own custody and using stablecoins straight away.
Option B

Collect the balance and withdraw to your bank later

Money that arrives is converted and stays on your Bridge wallet as USDC/USDT until you decide what to do with it.

1Open the fiat account and choose “Store on Bridge wallet”.
2Payments accumulate as a stablecoin balance inside the platform.
3Withdraw to a bank account whenever you want (SEPA/ACH), or send on-chain from the Send page.
Best for: collecting first and deciding later, keeping a fiat off-ramp to your bank.

At a glance

Auto-payout to walletBalance on Bridge wallet
What happens on arrivalConverted and sent to your external addressConverted and held in your Bridge wallet
Where the funds liveYour own wallet, in your custodyBridge wallet, shown in the app
How you take them outAlready in your walletWithdraw to bank, or send on-chain
Best forStablecoins in your own custodyCollecting fiat and banking it later

Where to find each setting

Fiat Account

Create virtual accounts, see the details to share with clients, and choose the destination for incoming payments.

Payout Wallet

Conversion rules: on or off, percentage to convert, preferred stablecoin and network, destination address, manual approval.

Withdraw to Bank

Turn your stablecoin balance back into fiat and send it to a bank account.

Send

Move stablecoins from your Bridge wallet to any external address, protected by two-factor verification.

Common questions

Ready to open your account?

Create an account in minutes, pass verification, and receive your first international payment with automatic conversion to stablecoins.

Create your account

FinT365 is a software platform, not a bank. Accounts, verification and payment services are provided by Bridge. Availability depends on country, currency and compliance status.

FinT365

FinT365 is a software platform, not a bank. Financial infrastructure is provided by Bridge. KYC/KYB and account approval are subject to Bridge review. Crypto transfers may carry blockchain risks.

FinT365 acts only as a gateway and interface. All identity verification (KYC/KYB), compliance reviews, and account approvals are performed by Bridge. Powered by Bridge API infrastructure.