# How to Add Money to Your Wallet

### Overview: Three Ways to Fund Your Wallet

Now that you have a crypto wallet, you need to add USDT (Tether) to it before you can use FIVA Savings. USDT is a "stablecoin" that always equals about $1, making it perfect for earning interest without worrying about price changes.

Here are your three options:

| Method                | Difficulty | Fees            | Speed         |
| --------------------- | ---------- | --------------- | ------------- |
| **Credit/Debit Card** | Easy       | High (1-3%)     | Instant       |
| **P2P Trading**       | Medium     | Medium (0.5-1%) | 10-30 minutes |
| **Crypto Exchange**   | Medium     | Low (0.1-0.5%)  | Instant\*     |

\*If you already have funds on the exchange

***

## Option 1: Buy with Credit/Debit Card (Easiest)

**Fees:** 1-3% of purchase amount\
**Time:** Instant to 10 minutes

This is like buying anything online with your card - simple but with higher fees.

### Step-by-Step: Card Purchase

All wallets have a buy/deposit button on their main screen:

* **Telegram Wallet:** Look for **"Add Crypto"** button
* **Tonkeeper:** Look for **"Buy TON"** button
* **MyTonWallet:** Look for **"Add/Buy"** button

1. **Tap the Buy/Add Button**
   * Choose **USDT** as the currency to buy
   * Enter how much USD you want to spend
2. **Select Credit/Debit Card**
   * Choose card as payment method
   * You'll see fees clearly displayed
3. **Confirm Purchase**
   * Double-check all details
   * Confirm the transaction
   * Wait for USDT to appear in your wallet

**💡 Tip:** Start with $50-100 for your first purchase to test the process.

***

## Option 2: P2P (Peer-to-Peer) Trading

**Fees:** 0.5-1% (much cheaper than cards)\
**Time:** 10-30 minutes

P2P means buying directly from other people, like buying something on a marketplace app.

### How P2P Works

1. You find someone selling USDT
2. You send them money (bank transfer, payment app, etc.)
3. They send USDT to your wallet
4. Platform holds the USDT safely until payment is confirmed

### Accessing P2P in Your Wallet

Telegram "Wallet" have a **"P2P"** button or section on the main screen.

### P2P Safety Rules

**DO:**

* Only trade with highly rated sellers (95%+)
* Read all instructions carefully
* Keep proof of payment
* Use only the payment details provided

**DON'T:**

* Trade with new users (low rating)
* Send extra money or tips
* Share personal information beyond what's needed

***

## Option 3: Crypto Exchange (Cheapest)

**Fees:** 0.1-0.5% (lowest fees)\
**Time:** Instant (if you already have funds on exchange)

If you already have an account on a major crypto exchange like Binance, OKX, Bybit, or others, this is the cheapest way to get USDT.

### How to Withdraw USDT from Exchange

All major exchanges now support USDT on TON network. Here's how to send it to your wallet:

1. **Go to Withdrawal Section**
   * Find **"Withdraw"** or **"Send"** in your exchange
   * Select **USDT** as the currency
2. **Choose TON Network**
   * **Important:** Select **"TON"** network (not Ethereum or other networks)
   * Wrong network = lost money forever
3. **Enter Your Wallet Address**
   * Copy your wallet address from your app
   * Paste it into the **"Address"** field
   * Double-check every character matches
4. **Set Amount and Confirm**
   * Enter how much USDT to send
   * Review network fee (usually $1-3)
   * Confirm withdrawal
5. **Wait for Transfer**
   * Usually takes 1-10 minutes
   * USDT will appear in your personal wallet

### Important Notes

* You need to already have USDT on the exchange
* All major exchanges (Binance, OKX, Bybit, etc.) support TON network
* Always double-check the network is set to **TON**


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