Prefunding

Overview

LINK Prefunded Accounts allow you to maintain a balance of funds to power instant on-ramps for your customers. Currently, prefunded accounts only support USD, but you can load them using 15 other currencies.

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NOTE: Prefunded Accounts are only by our B2B APIs.

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IMPORTANT: Customers must be onboarded and KYC/KYB-approved on the B2B API before using this account.

Funding a Prefunded Account

You can fund a Prefunded Account via the LINK Business Dashboard using your USD Wallet.

You can also choose to fund in other currencies using various methods — all of which auto-convert to USD and credit your prefunding balance. See supported currencies

For example, to prefund $100,000 for customer on-ramps, you could:

1. Load USDC via any supported blockchain network directly from the dashboard.
2. Load USD through supported payment channels such as ACH, Wire, or SWIFT.
3. Load other currencies (e.g., BRL, NGN, EUR, CAD, SGD, ZAR) through supported payment rails — they’ll be automatically converted into USD in your wallet.

Using Prefunded Accounts for Instant On-ramps

Prefunded Accounts can be used as the source of funds when initiating an on-ramp.

When using a Prefunded Account as the source, the currency must always be USD.