# Non-US Clients — Internal Balance & Buyback Funds

### Overview

Fanable supports users globally. For **non-US users**, payments and withdrawals work differently due to Stripe’s currency conversion rules and payout restrictions. To ensure a smooth and consistent experience, Fanable uses a **dedicated internal balance system** that keeps your funds accessible, compliant, and easy to use.

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### 🌍 Internal Balance for Non-US Users

**How it works**

* When non-US users make purchases using credit/debit cards, funds are processed through Stripe.
* **When a user accepts a Buyback for their purchase (collectible), the USD proceeds are routed into the Fanable USD treasury and the user’s balance becomes available to use for additional purchases on the platform or withdrawals.**

**Internal Balance allows non-US users to:**

* Buy on the marketplace
* Participate in drops
* Make and accept offers

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### 🧾 Currency Conversion Fees (Stripe)

For non-US users, Stripe applies a **1% currency conversion fee only when withdrawing funds to your connected Stripe account.**

* **No conversion fee is charged when purchasing assets on Fanable.**
* **The conversion fee applies only at withdrawal,** when funds are moved to your connected Stripe account for payout in your local currency.

This behavior is also described in our GitBook under the Buyback Program.

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### 🧮 Wallet Breakdown

Your Fanable Wallet is divided into three clearly defined components:

#### **1. Available Amount**

* Fully spendable on the platform
* Can be used for marketplace purchases, drops, and offers
* Includes Buyback proceeds and any funds added after the internal balance system rolled out

#### **2. Payout-Only Balance**

* Amount fully available for withdrawal.
* Already converted to your native currency.

#### **3. Total Balance**

* The combined value of:
  * **Available Amount**
  * **Payout-Only Balance**
* Shown for transparency so users can easily track full wallet value

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###  Withdrawal Process

1\. Enter your withdrawal amount and press **Withdrawal**.

2\. If the amount is less than or equal to your **Payout-Only Balance**. proceed with withdrawal normally.

3\. If the amount is higher than your **Payout-Only Balance**, the required amount is automatically moved from A**vailable Now** to **Payout-Only Balance**.

4\. During this transfer, the amount appears in the **Pending** section.

5\. This settlement usually takes **1–2 business days.**

6\. Once settled on Stripe, the funds appear under **Payout-Only Balance** and are fully withdrawable.

7\. Press **Withdrawal** again and complete the withdrawal process.

***

### 📌 TLDR 

For non-US users, Buyback funds go to the Fanable USD treasury and your balance becomes available for purchases or withdrawals. **No Stripe conversion fee applies on purchases; the 1% fee applies only at withdrawal.** Your wallet shows:

* **Available Amount** (spendable)
* **Payout-Only Balance** (withdraw-only)
* **Total Balance** (sum of both)


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