Step 2: Top up your balance

At this stage you need to tap your crypto wallet (external or Binaryx).

How to top your external crypto wallet?

Topping up your external crypto wallet with USDT is fast and simple. Here’s the easiest way to do it using Binance as an example.

1. Create and verify your Binance account

Go to binance.com, sign up, and complete KYC. This unlocks full access and keeps your account secure.

⚠️ By the way, as mentioned above you can use any external crypto wallet which is allowed in the wallet’s list during sing up.

2. Add funds to Binance

Go to “Wallet,” press “Overview,” next tap “Deposit” and choose the method that works best for you.

• Credit/Debit card: Buy USDT instantly with your card.

• Bank transfer (SWIFT/SEPA): Deposit fiat (USD, EUR) and convert it to USDT.

• P2P: Buy USDT from other users using local payment methods.

Choose your currency (for example USD) and proceed.

So, if you choose “Deposit USD” you can tap your wallet with Apple Pay, Google Pay, Bank transfer or credit card. Choose the most suitable way for you and press “Continue”.

If you choose “Buy with USD”, you will need to specify your card and the USD amount.

If you choose “Buy with USD (P2P)” you will proceed on the secondary market. Remember to specify that you need USDT and you will see traders who propose to buy their USDT with different rates. Choose the best option for you and press “Buy USDT”. This way keep in mind that sellers can use different payment methods (with different fees).

Next you need to specify the amount of USDT you want to buy and press “Buy USDT”.

Always double-check the network, address, and fees before withdrawing USDT - crypto transactions are irreversible.

How to top your Binaryx crypto wallet?

If you logged in with your email or Google account, just complete the identity check, then click “Wallet” in the top-right menu.

You’ll see a crypto wallet we’ve created for you automatically, with two currencies: POL and USDT.

To buy real estate tokens, you’ll need both USDT and POL.

• USDT is the cryptocurrency used to purchase real estate tokens. Its value matches the U.S. Dollar: 50 USDT = 50 USD.

• POL (formerly MATIC) is used to cover transaction fees on the Polygon blockchain. We’ve already added some POL to your wallet to help you get started.

To top up your crypto wallet, go to the “Wallet” section and click “Deposit.”

On Binaryx you can top up your account in two main ways: with USDT (via Polygon or Tron) or by using a credit card or bank transfer. We described each of them in detail below.

🤔 Why is it better to choose Polygon?

Polygon is often the most cost-efficient network for investors because its transaction fees are significantly lower than on many other popular blockchains. When you buy, sell, or move tokens, the gas fee directly affects your final cost, and Polygon consistently offers one of the lowest fees on the market.

Compared to USDT on Tron or Ethereum, USDT on Polygon usually costs just a few cents per transaction, making it the most economical option, especially if you plan to make multiple transfers.

Below is a simple comparison:

Network	Token	Average Transaction Fee	Cost Example for 10 Transactions
Polygon (POL)	USDT (POL)	$0.01 – $0.05	$0.10 – $0.50
Tron (TRX)	USDT (TRC20)	$0.10 – $0.30	$1 – $3
Ethereum	USDT (ERC20)	$2 – $15+	$20 – $150+

The property ownership rights on Binaryx are represented as digital tokens.

How much do they cost? The $50 price applies only to rental properties. Development-stage properties have variable token prices that depend on the project’s initial and final valuation, as well as the construction stage at the moment of purchase. Buying DAO tokens early in the development phase usually means a lower entry price for investors.

🤔 Why does the token price increase?

In construction projects, early investors earn more because they buy in at a lower price. The same principle applies to DAO tokens: each new token is slightly more expensive than the previous one, so the earlier you buy, the higher your potential return. After the initial down payment stage is completed, the token price also jumps by an additional 5%.

This pricing model ensures a fair profit distribution between early and late investors. For example, in La Casa Española, the first token costs $30.7, while the 10,000th costs $37.33 - a 21.6% difference. Once construction is finished and the property is sold, each token will be paid out at $42.5. Your final profit depends on the price at which you purchased the tokens.

🤔 How to swap USDC to USDT

Why does it matters? USDC and USDT are the most popular stablecoins, both pegged to the US dollar. They're widely used for trading, transfers, and protecting against market volatility. Knowing how to swap them quickly and safely is a must for any crypto user.

1. Choose a Swap Platform

Use a reliable exchange or wallet. Bitget Exchange and Bitget Wallet are great options - secure, easy to use, and offer high USDC/USDT liquidity.

2. Set Up a Crypto Wallet

You’ll need a wallet that supports both USDC and USDT. Bitget Wallet is a solid choice - simple, secure, and non-custodial (only you control the keys).

3. Deposit USDC

Transfer USDC to the exchange or wallet. Make sure to select the correct network (Ethereum, Tron, etc.) to avoid losing funds.

4. Make the Swap

On Bitget Exchange:

• Go to the Spot Trading section.

• Find the USDC/USDT trading pair.

• Enter the amount → choose market or limit order → confirm.

In Bitget Wallet:

• Open the app → tap “Swap”.

• Enter the amount → review the rate and fee → confirm.

5. Use or Withdraw Your USDT Now you can:

• Send USDT to another wallet.

• Pay for goods and services.

• Invest in DeFi.

• Or trade again on the exchange.

Choose to top your wallet with USDT way

If you already hold crypto in another wallet or exchange, send USDT to your Binaryx wallet address. Enter the amount, go to “Wallet,” and complete the transaction.

Make sure to select USDT on the Polygon or Tron blockchain when setting up the transfer.

If you have a crypto wallet or exchange account but no funds yet, you can buy USDT there using a bank card. Then, transfer the USDT to your Binaryx wallet.

Choose to top your wallet with Credit or Debit card / Bank transfer

You can also top up your account via bank transfer or credit card.

If you choose the USD, you will need to select one of the following options (how to to do via them we described below):

After that, you need to specify the amount you want to top to your crypto wallet.

⚠️Note: Binaryx does not charge any fees for bank transfers or card top-ups. If you pay in USD, your Binaryx wallet will be credited with USDT at a 1:1 rate. But, keep in mind that your chosen bank provider and network might take some fees.

Credit / Debit Card

Log in to your Binaryx account → go to Wallet and choose Deposit.

Select fiat currency (e.g., USD, EUR etc) if available. Choose a “Credit/Debit Card” payment method.

You’ll likely be redirected to a payment gateway where you enter your card details (Visa/Mastercard).

Enter the amount you want to top up → the system might display the equivalent in USDT or internal wallet currency.

After successful card payment, Binaryx credits your account balance. Then the system automatically converts to USDT.

Processing is typically fast (minutes to an hour) but subject to card issuer, country, verification.

After credited, you choose to buy USDT within Binaryx and your USDT balance appears.

Bank Transfer – SWIFT (USD)

Ensure your account is KYC’d.

Go to Deposit → select “Bank Transfer (SWIFT/International)” and specify the amount and press “Continue”.

Then you need to verify your email via security code.

You’ll be given SWIFT details (bank name, address, account, IBAN possibly, SWIFT/BIC code, your reference ID).

From your bank, initiate an international wire in your currency → transfer to the provided bank, with exactly the reference ID so Binaryx can match.

After funds are received by Binaryx’s bank, we credit your account in fiat currency.

Then you convert the fiat to USDT (either via trade or internal convert).

Processing time: Often 1‑5 business days (sometimes up to 72 h or more) depending on banks.

Fees: Your bank may charge SWIFT fees, intermediary bank fees.

Bank Transfer – SEPA (EUR)

Similar to SWIFT but restricted to the Eurozone/SEPA region.

Go to Deposit → Fiat (EUR) → choose “Bank Transfer (SEPA)”.

You need to specify the amount. Please note that when buying USDT with EUR, the exchange rate will differ and will not be 1:1 as it is with USD, since USDT is a stablecoin pegged specifically to the US dollar.

Press “Continue” and be ready to verify yourself. First you need to choose where you are from (region) and then specify you location details.

After, select the verification document (for example international passport) and proceed to the next steps according to instructions.

Binaryx provides IBAN, account details, and references.

Initiate the SEPA transfer from your bank (your bank may charge little or zero for SEPA).

Funds arrive (often within 24‑48 hours if sent the same day).

Credit appears in your Binaryx fiat wallet → convert to USDT.

Check deposit fee for SEPA (some platforms treat SEPA more cheaply).

Revolut Pay

Deposit → Fiat → “Revolut Pay” and specify the amount and continue.

You will verify yourself. Just follow the instructions and provide necessary information.

You’ll be redirected to Revolut interface (or provide Revolut payment link).

Use your Revolut account to pay the specified amount to Binaryx.

Once payment is confirmed, Binaryx credits your fiat wallet.

Convert to USDT.

⚠️ Note: This method may be processed faster (minutes) and may incur a fee from Revolut.

Cash (with physical providers)

To top up your crypto wallet on Binaryx, you can use local cash providers and exchange services.

You physically go to the provider, pay cash (currency may be local currency).

You give the voucher/reference + amount to the agent.

Use Online Exchangers via Wise

You can use online crypto exchangers to buy USDT.

Please note that direct exchange between fiat currency and cryptocurrency (and vice versa) is prohibited on Wise. However, you can complete this transaction through intermediary providers. How does this work?

To begin, go to the platform and create a request, specifying your contact details and crypto wallet address. Once your request is processed and approved, you’ll make a transfer from your Wise account to the provider’s Wise account. After that, the provider will credit the corresponding amount of USDT to your crypto wallet.