Smart Binary
Get the app Create account
Payments, explained plainly
Where your money goes, how fast it moves, what it costs and why we ask for documents. No hidden steps.
Deposits
Fund your account with the rail you already use: mobile money (M-Pesa, Airtel Money, MTN MoMo), Visa and Mastercard, Apple Pay, Bitcoin and USDT, or bank transfer. Minimum deposits start low so you can test with a small amount first.
- The payment provider confirms your transaction automatically and the balance updates without a human in between.
- Mobile money requests arrive on your phone; approve and it lands.
- Crypto deposits credit after the first network confirmation.
Withdrawals
Withdrawals return to the same method you funded with: that is an anti-fraud rule on every serious platform and it protects you if your account is ever compromised. Most mobile money withdrawals clear within minutes; cards take 1-3 business days depending on the issuer; crypto depends on network traffic.
- First withdrawal on a new account needs a completed identity check.
- Unusually large amounts, or a change of payout details, trigger a short review.
- Deposits must be turned over at least once before withdrawal (standard anti-money-laundering rule).
Fees
| Item | Fee |
|---|---|
| Account opening | Free |
| Demo account | Free, unlimited |
| Mobile money deposit | No platform fee; network charges may apply |
| Card deposit | No platform fee |
| Withdrawal | No platform fee; the rail may deduct its own charge |
| Inactivity | None |
Taxes
Trading results can be taxable where you live, and the rules differ by country. We are not a tax adviser, so treat this as orientation only:
- Keep your transaction history. You can export it from your account at any time.
- Some jurisdictions treat trading gains as capital gains, others as income, and some apply a specific levy to online wagers or digital transactions.
- Withholding can apply on certain payouts depending on the payment rail and local rules.
- Ask a local accountant for your own position; declaring accurately is always cheaper than being caught.
Verification (KYC) and why it exists
You upload a government ID and a short selfie. That is it for most accounts, and it usually clears in minutes.
- It is a legal requirement for any platform that moves real money, everywhere.
- It protects your withdrawals. An identity on file means nobody else can cash out your balance.
- It stops fraud and money laundering, which is the difference between a platform that lasts and one that gets shut down.
- Documents stay private, encrypted at rest and never shared with third parties.
Support that answers immediately
Our assistant replies in seconds, day or night: deposit questions, withdrawal status, verification help, market basics. If it cannot solve something it hands you to a human in the same conversation, and you can ask for a person at any point.
Questions people actually ask
Why is my deposit not showing?
If the money left your account but the balance did not update, send the transaction reference in chat. Deposits are matched automatically; a mismatched reference is the usual cause and takes minutes to fix.
Why do I need to verify before withdrawing?
Because a payout without an identity check is how stolen accounts get drained. It is a one-time step.
Can I trade without depositing?
Yes. The demo account is free and unlimited, with virtual funds and real market data.
How do I deposit with M-Pesa in Kenya?
Choose mobile money at checkout, enter your number, approve the prompt on your phone. The balance updates automatically, usually within seconds.
Do you take Bitcoin?
Yes, Bitcoin and USDT. Credit lands after the first network confirmation.
Can I withdraw to a different number than I deposited with?
Not without a review. Same-source payouts are a protection, not an inconvenience.