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.

🌍 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

🧾 Currency Conversion Fees (Stripe)

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

  • No conversion fee is charged when purchasing assets on Fanable.

  • The conversion fee is applied solely at the moment of withdrawal, when payouts are sent to your local-currency bank account.

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

🧮 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

  • Balance that existed before the internal balance feature was implemented

  • Due to Stripe’s technical limitations, this portion cannot be spent on Fanable

  • It can only be withdrawn to your connected payout method

3. Total Balance

  • The combined value of:

    • Available Amount

    • Payout-Only Balance

  • Shown for transparency so users can easily track full wallet value

📌 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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