Having difficulty entering your personal details, banking information, or experiencing failed transactions? Here are a quick tips that may be preventing you from successfully transacting inside the ecosystem:

1. Personal Details

• Personal details (identity document) should match your billing information that you intend to link to the HUMBL Wallet. If for some reason you have changed locations, this may result in a KYC failure or require additional information to verify your identity.
• Identity documents should be uploaded with all four corners completely visible. You do not need to crop the photo to fit perfectly, it is more important that all four corners are clearly visible

2. Geographic Restrictions

• ACH is currently not available in the following states: NY, TX, CT, HI, NH, VT, VA
• Credit and debit purchases are not available in NY and TX
• Any transaction attempted with personal/billing details from these states will result in a failure

3. Payment Method

• We currently accept Visa and Mastercard
• Payment methods must be personal accounts (business accounts are not accepted and will result in a failed transaction)

4. Limits

Standard: $500/week

International Standard Limit

• $1000/week (if they are using a FIAT currency other than USD, however the limit amount is still calculated in USD)

US Higher Limits

• $25000 per transaction
• $7500 monthly
• $100,000 yearly

Limits are based on a 7-day rolling basis. Once a transaction is delivered, 7 days from that time, the limit will refresh.

ACH Purchase Limits:

• 7-day limit $25,000
• 60-day limit $75,000
• Yearly limit $250,000

To note** Users are not able to withdraw more than $25,000 per week

5. A Note on Processing Times

• Transactions can take up to 3-5 days to process, with an additional 2-3 business days to post to your HUMBL Wallet or deposit to your account depending on your banking institution
• This applies to credit/debit, ACH, transfers and withdrawals

The HUMBL Pay Wallet was built to provide an interface service that allows customers to earn interest, send and receive digital currencies and execute various crypto transactions.

With the HUMBL Pay Wallet, you can:

• Earn Interest
• Peg to Stablecoin
• Send and Receive Digital Currencies
• Buy and Sell

At its core, cryptocurrency is typically decentralized digital currency designed to be used over the internet. Crypto makes it possible to transfer value online without the need for a middleman like a bank or payment processor, allowing value to transfer globally, near-instantly, 24/7, for low fees.

Cryptocurrencies are usually not issued or controlled by any government or other central authority. They’re managed by peer-to-peer networks of computers running free, open-source software. Generally, anyone who wants to participate is able to.

If a bank or government isn’t involved, how is crypto secure? It’s secure because all transactions are vetted by a technology called a blockchain.

You can find tutorials on how to create an account with HUMBL Pay on our website: https://www.humblpay.com/mobile-pay-faqs

Your Wallet is located in the bottom navigation bar of the HUMBL Pay App. Select the Wallet icon to view your dashboard.

When first accessing the HUMBL Pay Wallet, your dashboard will state that you have a balance of zero.

You can purchase digital assets with debit/credit cards (please refer to the accepted payments information) as well as via ACH.

Additionally, you add assets to your HUMBL Wallet via third party exchange (Coinbase/Binance etc.).

There are several locations for you to BUY assets throughout the Wallet. Select the + Buy option on your Wallet’s homescreen. From there, you can select the assets that you are interested in adding to your Wallet.

ACH, also known as “Automated Clearing House” payments provide a direct connection between your HUMBL Wallet and your banking institution (checking or savings accounts).

In order to activate ACH payments through the HUMBL Wallet, your identity must first be verified through a process known as KYC or “Know Your Customer”. This process has been implemented in the HUMBL Wallet in order to verify your identity, and protect you and your assets from fraud.

When submitting your personal details, please ensure that you enter the information exactly as it appears on your billing documents.

When submitting your identity document, please ensure that ALL four corners are clearly visible, front and back. The uploaded photos do not have to be cropped or zoomed in to fit the screen perfectly, but all four corners must be clearly visible.

First and foremost, do not transfer unsupported coins to the HUMBL Wallet.
To note: before transferring digital assets from an external wallet to the HUMBL Wallet, please check ahead of time that the HUMBL Wallet will support and recognize those coins [see list below]. Unsupported coins may not be visible or recognized in the HUMBL Wallet, in which case, they will become unusable. In this scenario, unsupported coins cannot be retrieved, reversed, or refunded.

‍

BTC - Bitcoin (interest savings wallet)

ETH - Ethereum (interest savings wallet)

USDC - USD Coin (interest savings wallet)

XLM - Stellar

AVAX - Avalanche

DAI - DAI

USDT - Tether

BUSD - Binance USD

GUSD - Gemini Dollar

AAVE - Aave

COMP - Compound

LINK - Chainlink

WBTC - Wrapped Bitcoin

BAT - Basic Attention Token

CRV - Curve

MKR - Maker

SNX - Synthetix

UMA - UMA

UNI - Uniswap

YFI - yearn.finance

‍

FIAT Currencies supported (plus for exchange history tracking):

USD

Euro

GBP - Pound Sterling

MXN - Mexican Peso

AUD - AUstralian dollar

NZD - New Zealand dollar

Singapore Dollar

CAD - Canadian  Dollar

CLP - Chilean Peso

BZD - Belize dollar

Costa Rican colon

Guatemalan quetzal

Nicaraguan cordoba

Honduran lempira

Argentine Peso

Brazilian real

Colombian peso

Paraguayan guarani

Peruvian sol

Uruguayan peso

Venezuelan bolivar

Danish krone

Indian Rupee

Yen

Baht

Turkish Lira

Philippine peso

Malaysian ringgit

Swiss Franc

Romanian leu

Hong Kong dollar

Chinese Yuan

By placing Bitcoin, Ethereum or USDC in your HUMBL Wallet, you are automatically earning interest. Interest earned will be reflected in your overall balance after it is paid out automatically on a monthly basis. Interest payments will be reflected 1-2 days after the months end, and you will receive an email confirmation upon their deposit to your Wallet.

You can see the assets that you currently own on the dashboard of your Wallet. You will see the performance of those assets over a 24 hour period on the graph of your portfolio page.

If you currently hold assets, you can click on the graph on your dashboard to track the balance as well and performance percentages over a period of time. You can adjust the period of time tracker to see more in depth movement.

We currently accept Visa and Mastercard both credit and debit.

Prepaid cards are not accepted.

Business accounts are not accepted.

A list of supported banking institutions is available during the connection process. If you do not see your banking institution on the list provided by Plaid, it is not supported by the HUMBL Wallet at this time.

If you are experiencing a failed transaction when attempting to purchase crypto using a credit or debit card in the HUMBL Wallet, it has likely failed as a result of fraud rules established by our processing provider, or by the card issuer blocking certain transaction types (e.g. transactions related to crypto). Unfortunately, due to the increased fraudulent activity of card transactions in the digital assets industry, our processing provider has very conservative fraud rules that block many transactions or activities that are suspected of fraud. At this time, our processing provider does not have the ability to adjust the fraud rules to increase the volume of successful transactions.

A payment can fail for a number of reasons. Here what to check before sending in a support ticket:

• Check with your bank-issued card to see if you have any holds/blocks for this type of transaction.
• Make sure you are not in a non-supported US state or country
• Note we do not accept Apple Cash or Prepaid Card at this time
• Review your Apple Pay info and Card billing info
• We currently only accept Visa and MasterCard. This can be debit or credit.
• Make sure you are using a mobile phone # and not a Landline/VOIP #

In any of these cases, we have a few recommendations that might help your next transaction complete processing successfully. We recommend to always:

• Check our geographic restrictions here (LINK: https://support.sendwyre.com/hc/en-us/articles/360055233754-Geographic-Restrictions-) . Any states or countries that are listed we cannot currently support transaction processing in that jurisdiction. We keep this list updated, and you can expect this list to get shorter!
• Sometimes there are issues with your issuing bank not authorizing your transaction. We recommend contacting your bank card issuer for more information, as you may need to authorize Wyre as a merchant to continue making purchases.
• Keep your billing information updated, including your Apple Pay profile for the debit/credit card you are using.
• Any prepaid card which includes Cashapp, Transferwise, Revolut, N26, and others are not currently accepted. If you are using one of those, you will have to try another card.

Lastly, it is important to note that if your transaction has failed and there are amounts appearing on your statement - these are only temporary authorizations. These will disappear within 2-3 business days.

Some transactions require a two step authentication in order to process. If you are asked to enter codes, you will receive one via SMS and the other will be delivered as a temporary authorization on your banking statement.

When accessing the code on your banking statement, you will need to click on the pending transaction, from there, you will find the code in the transaction details.

If for some reason you do not receive a code on your statement, please contact your bank as they can provide one to you.

We recommend that you contact your bank prior to attempting to purchase again as there are time out limits as well as daily limits for attempted purchases.

To avoid market movements during a transaction, pricing is locked in for 15 minutes to ensure the pricing you start with is the pricing you end up with. If for some reason you are unable to complete within this time, you will be directed back to the app to complete.

Standard: $500/week

International Standard Limit

• $1000/week (if they are using a FIAT currency other than USD, however the limit amount is still calculated in USD)

US Higher Limits

• $25000 per transaction
• $7500 monthly
• $100,000 yearly

Limits are based on a 7-day rolling basis. Once a transaction is delivered, 7 days from that time, the limit will refresh.

ACH Purchase Limits:

• 7-day limit $25,000
• 60-day limit $75,000
• Yearly limit $250,000

To note** Users are not able to withdraw more than $25,000 per week

While you attempted to complete a transaction that did not go through, you may see an authorization request on your statement. It is important to note that if your order failed and there are amounts appearing on your statement - these are only temporary authorizations. These will disappear within 2-3 business days.

You can send assets directly to your HUMBL Wallet via third party exchange by selecting “Send”. From here you will enter the wallet address you wish to send funds from. We recommend copy and pasting the wallet address as transactions that occur on the blockchain are not reversible.

Transactions can take 3-5 business days to process, with an additional 2-3 days to clear depending on your banking institution.

You will see a hold posted on your banking statement as the payment processes. If for some reason the transaction fails, your pending transaction will drop off in 2-3 business days.

A coin swap is exchanging one crypto coin for another. The HUMBL Wallet supports swapping coins, as long as the desired coin is supported by the Wallet.

Current eligible coins are listed below:

• BTC - Bitcoin
• ETH - Ethereum
• USDT - Tether
• USDC - USD Coin
• LINK - Chainlink

To complete a coin swap in the HUMBL Wallet:

1. Select “BUY” or select the asset in which you would like to purchase
2. Enter the amount, to note: the amount you would like to purchase must be LESS than the amount of asset in which you would like to swap (to cover any associated fees), from there you can purchase the desired asset using your other eligible/available assets to complete the swap.

Current Coin/Token Restrictions and Notes:

BLOCKS (Utility Token) can be purchased and sent/transferred in the HUMBL Pay Wallet. At this time, your BLOCKS assets cannot be withdrawn directly to your banking institution via the HUMBL Pay Wallet. In order to deposit these assets to your banking institution, you will need to transfer your BLOCKS assets to the external wallet of your choice and deposit from there.

XLM (Stellar) requires a secondary memo that attaches your transaction to your HUMBL Pay Wallet address. If for any reason, you do not see you funds in your account, please reach out to humblpay.zendesk.com.

United States of America, Mexico, Canada, Singapore and Australia.

Non-operation States in the U.S. (Debit and credit cards)

• New York
• Texas

Non-operation States in the U.S. (ACH)

• New York
• Texas
• New Hampshire
• Vermont
• Virginia
• Connecticut
• Hawaii

Our partners are working to obtain licenses for all states. Please check back to see if your state has been removed from the list.

Once funds are on the blockchain, they are not refundable or reversible. Please make sure you enter the correct information before confirming any transactions. We recommend copy and pasting the wallet address as transactions that occur on the blockchain are not reversible.

Transferring assets from your wallet to a bank account is not available in Canada and Singapore. You can however transfer to another wallet.

You can find more information about HUMBL Pay’s Terms and Conditons here: https://www.humblpay.com/legal-docs/mobile-pay-terms-and-conditions

It is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the HUMBL Wallet via Wyre, and to withhold, collect, report and remit the correct amounts of taxes to the appropriate tax authorities. (You have the ability to review all transactions your account on the app)