Protect payment privacy + no fees for USD deposits and withdrawals! Fluidkey allows you to receive bank transfers with a hosted wallet and automatically earn returns.

In the world of crypto assets, “transparency” and “privacy” often contradict each other. While the openness of blockchain provides trust and verifiability, it also means that anyone can track the flow of funds and historical transaction records from your wallet. This is precisely why Fluidkey comes into play. As a privacy-focused wallet designed for everyday use, Fluidkey utilizes “stealth addresses” and smart account technology to offer a solution for fund management that is both secure and easy to use. Fluidkey not only supports on-chain crypto asset transactions but also allows the receipt and sending of traditional bank transfers in USD and EUR, seamlessly connecting TradFi with DeFi wallets for one-stop management of global assets!

Function Module Description Hidden Wallet Automatically generates privacy addresses for each receipt to avoid fund association risks. Bank Transfer Can receive and send USD / EUR bank transfers, and automatically convert to USDC deposited into the Wallet. Auto-Earn Automatically deposits into DeFi protocols to earn interest, with instant availability of earnings. Score System Similar to Web3 credit scores, allowing third parties to recognize your true value. Tax Reporting Support One-click export of complete transaction records, supporting mainstream tax tools.

Stealth Address: Making every payment anonymous and secure

On the Blockchain, reusing an Address is as dangerous as publicly revealing your bank account details online. Fluidkey automatically generates new Addresses for you through Stealth Address technology, isolating the source of your funds so that outsiders cannot trace them and your funding history is not easily linked.

How is the operation so simple?

When receiving funds, the system automatically generates a unique Address.

All funds and assets are displayed uniformly on the Fluidkey dashboard.

When making a payment, the system automatically selects the best Address or fund combination.

No need to switch manually or perform extra operations, everything is paid as usual.

External observers cannot pry into your transaction details. Fluidkey supports bank transfers in USD and EUR, with no fees for up to twenty thousand dollars per month.

Fluidkey collaborates with Bridge, a stablecoin infrastructure company acquired by Stripe, to launch fiat deposit and withdrawal features, supporting both individual and business users.

Open a Fluidkey account super fast

Click on 'Get Bank Details' on the Fluidkey dashboard.

Complete KYC (usually takes less than 5 minutes)

You can obtain account information for receiving USD or EUR.

Fluidkey USD Payment Mechanism

Supports ACH, SEPA, Wire (Wire)

Minimum transfer amount: $1 / €1 (wire transfer requires $10,000)

The funds will be automatically converted to USDC and deposited into the Fluidkey Wallet.

You can switch the blockchain used for USDC deposits (Base, Polygon, Ethereum, etc.)

Fluidkey USD payment mechanism

Transfer from Base, Ethereum, Arbitrum, Polygon to bank account

It is recommended to use USDC / EURC

The interface is simple and intuitive, and it supports saving bank contacts.

The first twenty thousand US dollars have no transaction fees, and higher-tier plans offer more benefits.

Category Fee USD/EUR Deposit Free for the first 20,000 (USD/EUR) per month, 0.6% for amounts exceeding Free for the first 20,000 (USD/EUR) per month, 0.25% for amounts exceeding

Additionally, the premium plan Fluidkey+ offers up to $30,000 in fiat deposits and withdrawals per month with no fees, along with multiple benefits. An annual fee of $899 is required, and a deposit of $20,000 must be made.

Auto-Earn: Earn while your funds are idle, and they can be accessed instantly.

Fluidkey features an automatic earning module (Auto-Earn) that can automatically deposit your assets into audited DeFi protocols to earn interest.

Three modes for you to choose from:

Optimized: Default mode, automatically transfers to the best yield pool provided by Summer.fi

Core: Deposit assets into Morpho and Aave, selected pool combination by Gauntlet.

Disabled: Completely turn off the earning function and manage funds independently.

Yield security?

All yield modules can only transfer to the official whitelist fund pool.

Does not affect your instant payments and operations

The Earn module has been securely audited by Ackee.

A 10% fee will be charged

The displayed earnings are “Net Value” = the amount you can actually use.

Fluidkey takes a 10% profit share (for example, if you earn 4%, you actually receive 3.6%)

Fluidkey Score: on-chain credit score

In addition to funds and privacy, Fluidkey has also launched a new feature called Fluidkey Score, which is a non-transferable ERC-20 Token that represents your level of activity and value within the Fluidkey ecosystem.

Points Basic Information:

Project Information Blockchain Base Contract Address 0x894c…08bEa Issuing Address 0x83Da…535F

How to earn points?

Fluidkey allocates scores based on your actual usage, including:

Balance of funds in the Wallet

Total funds of the users you recommended (using the invitation link)

Total amount of funds deposited in the Auto-Earn module

The complete calculation method of ( has not been disclosed to prevent “point brushing” cheating. )

Fluidkey Score Usage

Unlock exclusive benefits inside Fluidkey (such as early user perks, airdrops, etc.)

As your “credit score” in the Web3 world, it helps third-party protocols identify high-value users.

Can be combined with other protocols to generate additional benefits or authentication functions.

How to view and claim?

You can find the Fluidkey Score display and Claim button in the Funds Block of Fluidkey, and see your history and weekly leaderboard ranking.

Tax reporting and fund records can be done with one click export.

Fluidkey provides the functionality to export all transaction records and supports import formats for mainstream tax tools, facilitating accounting records and tax filing.

You decide the security and custody permissions.

You have the complete private key, Fluidkey cannot operate your funds.

Even if the funds are deposited into the yield agreement, they can only flow to the pools listed by the official.

If you forget your password or need to recover funds, you can perform self-service operations through SARA.

All modules (Stealth Address, Earn, Score) have been independently audited (e.g., Dedaub, Ackee)

From privacy protection and yield optimization to Web2 fiat integration and identity verification, Fluidkey is attempting to meet the real needs of the public in crypto payment applications while achieving a balance between innovation and responsibility.

This article protects payment privacy + no transaction fees for USD deposits and withdrawals! Fluidkey uses self-custody Wallets to receive bank transfers and can also earn yields automatically. It first appeared in Chain News ABMedia.