> ## Documentation Index
> Fetch the complete documentation index at: https://docs.predictamarkets.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Funding Your Account

> Step-by-step guide to adding funds to your Predicta account

## Funding Your Predicta Account

Before you can trade, you need to add funds. Predicta supports multiple payment providers suited to different regions.

## How to Open the Fund Modal

Two entry points both open the same funding modal:

* **"Add Funds"** — button in the top navigation bar (visible on all pages when logged in)
* **"Top Up"** — button at the bottom of the sidebar

The modal is a **2-step flow**:

1. **Select provider** — choose your payment method
2. **Complete payment** — the form for that provider loads automatically

## Supported Payment Providers

Available providers are determined automatically by your country. The fund modal only shows providers available in your region.

### Providers by Country

| Country             | Available Providers                                    |
| ------------------- | ------------------------------------------------------ |
| 🇰🇪 Kenya          | PalmPay · Crypto (NowPayments) · SWIFT                 |
| 🇳🇬 Nigeria        | SWIFT · Crypto (NowPayments)                           |
| 🇿🇦 South Africa   | Crypto (NowPayments)                                   |
| 🇿🇼 Zimbabwe       | Crypto (NowPayments) · SWIFT                           |
| 🇧🇼 Botswana       | Crypto (NowPayments) · SWIFT                           |
| 🇺🇸 United States  | SWIFT · Crypto (NowPayments)                           |
| 🇮🇳 India          | SWIFT · Crypto (NowPayments)                           |
| All other countries | SWIFT · Paystack · Crypto · INMBank · PalmPay · M-Pesa |

<AccordionGroup>
  <Accordion title="PalmPay">
    ### Steps

    1. Select **PalmPay**
    2. Enter the deposit amount
    3. Follow the on-screen instructions to complete the payment
    4. Funds are credited once the payment is confirmed

    **Available in**: Kenya, and other countries (when listed)
  </Accordion>

  <Accordion title="Cryptocurrency (NowPayments)">
    ### Steps

    1. Select **Crypto**
    2. Enter the deposit amount
    3. Choose your cryptocurrency (USDC recommended for stable value)
    4. Send to the provided wallet address
    5. Funds are credited after blockchain confirmation — usually a few minutes

    **Available in**: All supported countries

    <Note>
      Crypto deposits require blockchain confirmation. This typically takes a few minutes but may vary by network congestion.
    </Note>
  </Accordion>

  <Accordion title="SWIFT Bank Transfer">
    ### Steps

    1. Select **SWIFT**
    2. Enter the deposit amount
    3. You'll receive wire transfer instructions — bank name, account details, and a reference code
    4. Initiate the transfer from your bank, including the reference code
    5. Funds are credited after the transfer is received and verified

    **Available in**: Kenya, Nigeria, Zimbabwe, Botswana, United States, India, and other countries

    <Note>
      SWIFT transfers typically take 1–5 business days. Always include the reference code so your payment can be matched to your account.
    </Note>
  </Accordion>

  <Accordion title="Paystack (Card & Mobile Money)">
    ### Steps

    1. Select **Paystack**
    2. Enter the deposit amount
    3. Click **"Continue to Payment"** — you're redirected to Paystack's secure checkout
    4. Pay by debit card or mobile money
    5. Funds are credited instantly after a successful payment

    **Available in**: Countries not listed in the table above (default provider set)
  </Accordion>

  <Accordion title="INMBank">
    ### Steps

    1. Select **INMBank**
    2. Enter the deposit amount
    3. Follow the on-screen bank transfer instructions
    4. Funds are credited once the deposit is confirmed

    **Available in**: Countries not listed in the table above (default provider set)
  </Accordion>

  <Accordion title="M-Pesa">
    ### Steps

    1. Select **M-Pesa**
    2. Enter the deposit amount
    3. Enter your M-Pesa phone number
    4. Approve the STK push prompt on your phone
    5. Funds are credited instantly

    **Available in**: Countries not listed in the table above (default provider set)
  </Accordion>
</AccordionGroup>

## Understanding Your Balance

### Balance Types

| Type                  | Description                                                                                 |
| --------------------- | ------------------------------------------------------------------------------------------- |
| **Available Balance** | Funds ready to trade or withdraw right now                                                  |
| **In Suspense**       | Funds reserved for your open (unfilled) orders — released when orders fill or are cancelled |
| **Total Balance**     | Available + In Suspense                                                                     |

### Balance Display

Your balance is shown in your **display currency** (e.g. USD, KES). Hover over any balance to see:

* The exact **USD equivalent** (the real-world reference value)
* The current exchange rate: `1 USD ≈ X {your currency}`

### When Funds Appear

| Provider                    | Credit timing                                                    |
| --------------------------- | ---------------------------------------------------------------- |
| Paystack / PalmPay / M-Pesa | Instant after payment confirmation                               |
| Cryptocurrency              | After blockchain confirmation (a few minutes)                    |
| SWIFT / INMBank             | After bank transfer is received and verified (1–5 business days) |

## Payment History

Track all your deposits from the **Payments** page (sidebar):

1. Click **"Payments"** in the sidebar
2. See all transactions with: Date, Reference, Amount, Provider, Status, and Actions

### Payment Statuses

| Status        | Meaning                                            |
| ------------- | -------------------------------------------------- |
| **Pending**   | Payment initiated, awaiting provider confirmation  |
| **Completed** | Payment successful, funds credited to your account |
| **Failed**    | Payment did not go through — no funds were taken   |

<Tip>
  If a payment shows **Pending**, you can click **"Resume"** next to it to continue or retry that payment.
</Tip>

## Troubleshooting

### Payment Not Showing

1. Check **Payments** in the sidebar for the payment status
2. Verify the payment completed on the provider's side
3. Wait a few minutes for confirmation
4. Contact support if the issue persists after 30 minutes

### Insufficient Funds Error When Trading

1. Check your **available** balance — In Suspense funds cannot be used for new trades
2. Cancel open orders from the Orders page to free up suspended funds
3. Add more funds if needed

## Next Steps

<CardGroup cols={2}>
  <Card title="Start Trading" icon="hand-holding-dollar" href="/user-guide/trading-basics">
    Now that you're funded, place your first trade.
  </Card>

  <Card title="Payment History" icon="receipt" href="/user-guide/payment-history">
    View and track all your deposits.
  </Card>

  <Card title="Withdrawing Funds" icon="arrow-down" href="/user-guide/withdrawing-funds">
    Learn how to withdraw your balance.
  </Card>
</CardGroup>