FAQ
Frequently Asked Questions
How can I add money to my Return Finance account?
There are several methods to put funds into your account, depending on your chosen currency.
(Coming soon) For Euros, you can utilize a bank transfer. Such transfers typically take 1 to 3 working days to reflect in the Return app. Standard fees from your bank will apply.
For U.S. Dollars, you can top up via bank card or use popular payment methods such as Apple Pay and Google Pay. These transfers will show up in your account shortly after processing.
For USDC deposits (with EURC availability coming soon), you can transfer directly into your personal multichain wallet on one of the supported networks — Avalanche, Base, Ethereum, or Polygon. Note that users who deposit an equivalent of over $700 must undergo mandatory KYC verification.
Coming soon: you'll be able to top up using your Revolut Euro account.
How can I verify my account?
Every Return Finance user must verify their account. You need to complete our KYC procedure within 90 days of account creation or once you reach the operational limit of $700*.
The process is simple and swift:
Tap on the KYC banner in the app to initiate the process.
Submit your National ID or Passport.
Take a selfie.
Upload a Proof of Address.
The verification process typically takes 24 hours to complete. During this time, we kindly ask for your patience.
*Note: Card transactions are processed through our payment partner, MoonPay. The $700 operational limit pertains to the overall balance in your account, not counting funds transferred via MoonPay.
What currencies does Return support?
Currently, you can make deposits in both fiat currency – U.S. Dollar (EUR coming soon), and stablecoins – USDC. In 2025, we will add support for popular cryptocurrencies like Bitcoin, Ethereum, Solana, and more.
Do I have access to my deposits once I invest?
Yes! You have access to your deposits and the yield that you earn at all times! You can make transactions and withdrawals whenever you like!
What is the "Invite & Earn" referral program?
The "Invite & Earn" referral program allows you to get 500 REFI points for each friend that registers to Return Finance with your referral code and verifies their account. All you have to do is follow the three easy steps:
Invite a friend by sending them your referral code
They must register and pass the KYC verification
Your account should be verified to be eligible for the reward.
You get 500 REFI points!
How are the assets safe-guarded?
Custodial assets are insured through our institutional wallet provider Fireblocks.
We offer full transparency of customer funds, providing transaction IDs on the blockchain, as well as smart contract addresses of where funds are deposited.
We work with trusted and prominent RegTech companies, that offer institutional-grade infrastructure, are fully regulated, and give our customers best-in-class security and privacy.
We operate the business with strict governance and business processes.
Our management team and board of advisors are seasoned executives that implement the highest level of governance and duty of care.
What is USDC?
USDC stands for USD Coin. It is a stablecoin that is pegged to the US dollar. This means that the value of the USDC is always equivalent to $1. USDC lives natively on the internet, running on many of the world’s most advanced blockchains. Known as a fully-reserved stablecoin, every digital dollar of USDC on the internet is 100% backed by cash and short-dated U.S. treasuries, so that it’s always redeemable 1:1 for U.S. dollars.
For more info about USDC reserves composition and monthly attestations you can click here.
What is EURC? (Coming soon)
EURC, is a euro-backed stablecoin that’s currently accessible globally on Ethereum and Avalanche. Similar to USDC, EURC is issued by Circle under a full-reserve model.
Designed for stability, EURC is 100% backed by euros held in euro-denominated banking accounts so that it’s always redeemable 1:1 for euros.
For more info about EURC reserves composition and monthly attestations you can click here.
When can I add and withdraw money from my account?
Adding and withdrawing money can be done at any time.
Are there any fees to adding and withdrawing from my Return account?
We charge no additional fees for adding or withdrawing money. However, standard fees from your bank may apply.
Is there a minimal amount I can add to my balance?
To top up with fiat currency, the minimum amount is $50. However, there's no minimum for transferring USDC (with EURC availability coming soon).
Is there a minimum amount I can deposit inside a protocol (stake) to start earning yield?
There is a limit of $5/5 USD per stake for protocols on the Avalanche, Base and Polygon blockchains. For Ethereum protocols, the minimum staking amount is $100/100 USDC. The same limits apply when withdrawing (unstaking) funds from protocols. Transaction (gas) fees for staking and unstaking are covered by Return Finance, so you can maximize your investment.
How can I withdraw my money from Return Finance?
There are several ways to withdraw your funds, based on your preferences.
For Euro account holders, you can initiate a withdrawal via bank transfer to an account under your name. We don't charge any withdrawal fees, and transfers typically take 3 to 5 working days to reflect in your bank account.
For those with a USD account, you can opt to withdraw via USD Coin transfer. Simply provide a USDC (ERC20) wallet address corresponding to the network indicated in the app, and we'll promptly transfer your funds. We're actively working on adding the option for USD withdrawals via bank transfer, so keep an eye out for that update.
If you've deposited USD Coin (with EURC integration on the horizon), you'll need to specify an ERC20 wallet address matching the network displayed in the app for withdrawals. Upon confirmation, we'll swiftly process your transfer.
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