Frequently asked questions

Users must be at least 18 years old, possess full civil capacity, and complete identity verification using a valid ID card, passport, or driver's license.

Identity verification is conducted by officially certified institutions. Personal information is strictly protected and will not result in any disclosure of private data.

Please wait a few minutes and check your inbox again. If you still have not received it, please check your spam or junk folder. If the code is still not found, please contact online customer support for assistance.

After submitting the required documents, the review result will be notified within T+1 business day.

To ensure account security, you must complete Google 2FA binding before performing fiat withdrawal operations.

For account security reasons, you cannot modify your registered email address through the client. If you need to change your email address, please contact online customer support for assistance. To ensure account security, you may be required to provide necessary identity verification information.

Please confirm that the account and password you entered are correct. If login fails due to special characters or other login abnormalities, please contact online customer support for assistance.

Step 1: Freeze the Card — Please first freeze your card through the PayMight client to prevent further asset loss. Step 2: Apply for Card Replacement — After the card is frozen, you may apply for a replacement. Before applying, please ensure that the original card has been permanently frozen. The replacement card fee is subject to the amount displayed in the client. Step 3: Important Notes During Replacement — The original card cannot be used during the replacement period. After submitting the replacement application, please reconfirm your delivery address to avoid affecting receipt of the new card due to address changes. If you require assistance, please contact PayMight online customer support at any time.

If you discover abnormal card usage, please immediately take the following measures to ensure fund security: Step 1: Freeze the Card — Immediately freeze the card through the PayMight client to prevent new transactions. Step 2: Remove Third-Party Bindings — If your card is linked to any third-party platforms, please cancel the relevant authorizations promptly. Step 3: Contact the Relevant Merchant — Contact the corresponding merchant or payment platform to confirm whether the transaction is legitimate. Step 4: Contact PayMight Customer Support — Please contact online customer support using your registered email. We will assist in reviewing the transaction records and providing support. Timely action helps reduce potential risks.

Please ensure you have downloaded and installed the Google Authenticator application. Go to the PayMight client → [Settings] → [Account Settings] → [Google Authenticator]. The system will send a verification code to your registered email. Enter the code to confirm the operation. After verification, the system will generate a dedicated secret key and QR code. You may manually enter the key into Google Authenticator or scan the QR code directly. Return to the PayMight page, enter the dynamic verification code displayed in Google Authenticator, and click confirm to complete binding.

Go to the PayMight homepage, select "My Card," click "View Details," and you will be able to view the hidden security code (CVV).

Provide screenshots of the relevant transaction page, including details such as time and amount. Provide your registered email address for identity verification. Briefly describe the transaction in question, such as the transaction type or purpose. Please send the above information to PayMight online customer support. We will verify the matter as soon as possible and provide assistance.

No. The deposit function can only be enabled after completing KYC verification. This is a compliance requirement under international payment industry standards. It is recommended to complete KYC first to ensure smooth deposit and payment usage.

Due to local regulatory restrictions, users from this region are temporarily not supported.

Due to local regulatory restrictions, users from this region are temporarily not supported.

Currently, MiBank supports application for a USD SWIFT VA (Virtual Account). After the application is approved, you may deposit USD via SWIFT into your opened USD SWIFT VA account. We are also preparing to launch SGD Local VA virtual bank accounts. Once launched, we will simultaneously support SGD FAST deposits.

Minimum single deposit amount: 10 USD. There is no single-transaction upper limit for USD deposits on the platform. However, please note that your bank or payment channel may impose its own limits. It is recommended to confirm with your bank in advance to avoid affecting large deposits.

Local withdrawal (Local / CNH): T+0, credited on the same day. SWIFT withdrawal (OUR): T+1.

Please go to the Verification Center to complete a higher-level identity verification. After approval, the system will automatically increase your account limits.

Withdrawal requests enter the risk control queue. Generally, funds will be credited within 5–10 minutes. If there is a delay, please wait patiently while the system processes the transaction.

There is no mandatory requirement for the bank account to be in the same name. You may withdraw to a third-party account. However, if the amount is large or deemed unusual, the receiving bank or payment channel may conduct additional verification and require supporting documents proving the transaction relationship between you and the recipient (such as contracts or agreements).

When you transfer funds to a third-party account and the amount is large or triggers channel risk control, the bank or payment channel may initiate an RFI (Request for Information), requiring supporting documents or payment purpose explanations. This process is part of standard banking compliance review procedures.

An RFI is a supplementary information verification process initiated by the receiving bank or payment channel. It is typically triggered under the following circumstances: • Transfer to a third-party account • Large transaction amount • Cross-border transfer to sensitive jurisdictions This situation occurs occasionally and is not triggered for every transaction.

Generally required information includes: • Your current occupation • Your job title • Your employer or company name If you are self-employed, please provide your actual occupational details. • Supporting documentation proving the transaction relationship between you and the recipient (such as contracts or agreements).

If the required information is not provided within 3 days, the payment will be canceled, and the funds will be returned to your PayMight account via the original path.

In most cases, once complete information is provided as requested, the transaction can proceed successfully. In rare cases, the transaction may still fail due to risk control decisions at the bank side.

When a payment triggers risk control or compliance review by the channel bank or partner bank (RFI – Request for Information), supplementary documentation may be required. Common scenarios include: Large-Amount Review (Same-Name Transfer) When a client's single transaction or cumulative payment amount exceeds USD 100,000 (or equivalent), the receiving bank may request Source of Funds (SOF) or Source of Wealth (SOW) supporting documentation. Acceptable materials may include: Proof of employment income (e.g., employer certificate, payslips); Personal bank statements (recommended: most recent 3–6 months); Personal wealth statements (recommended: most recent 3–6 months); Personal tax filings (tax returns for the most recent 1–2 years); Real estate–related documents (e.g., sale contracts, invoices); Securities account transaction records (e.g., stocks, bonds, investment records); Equity transfer agreements; Inheritance or gift documentation; Loan agreements (if involving large borrowings). If the client is a publicly verifiable shareholder of a listed company, providing a passport as identification may be sufficient. Other information may be verified through publicly available sources. Random Review (Example) For example: WF260206-ZYX8YHCN. This payment has triggered an RFI from the channel bank, and confirmation is required from the client regarding: Current occupation; Current job title; Employer (company name).

When payment is made to a third-party account and triggers compliance review, supporting documentation to prove the transaction relationship may be required. Acceptable materials may include: Relationship-Based Documentation Immediate family: Household registration document (family register) Spouse: Marriage certificate Colleague: Employment certificate or business card Other relationships: Subject to compliance approval Goods Trade Documentation Bank transfer slip Invoice / Contract Shipping documents Service Trade Documentation Bank transfer slip Invoice / Contract All submitted materials are subject to compliance review and approval.

After selecting a specific product, the APR will be displayed in real time on the product details page.

Interest begins accruing from the time your deposit order becomes effective. You may choose to lock the funds for 30 days or 90 days. Upon maturity, the system will automatically redeem the principal and interest.

Interest is calculated hourly. Interest is automatically settled and distributed daily at 00:30 (UTC+8).

Please refer to the product page for the currently supported currencies. More will be added in the future.

Two types are available: Flexible Fixed Users may choose according to their needs.

The interest accrual start time is based on the time you submit the deposit order.

APR is dynamically adjusted according to market conditions. Please refer to the real-time data displayed on the product page.

KYC Level 1 verification must be completed in order to use the Earn service.

The single deposit amount range is 40–400,000 USD equivalent.

Currently, automatic interest accrual is not supported. You must manually deposit funds into an Earn product in order to start earning interest.

Virtual Card: 9.90 USD Physical Card: 99.90 USD Note: Fees are subject to the latest disclosure on the official website.

The card issuance fee is a one-time payment and is not included in your account balance.

Upgrade by paying the difference is not supported. If you require a physical card, you must submit a new application and pay the corresponding fee.

After issuance, the cardholder name, card number, CVV, and expiration date cannot be modified. Please ensure all information is accurate before applying.

Each account may bind up to: 5 virtual cards 5 physical cards Deleted cards are still counted toward the card quantity limit. If you have special requirements, please contact online customer support.

• The physical card can only be used after activation; • After receiving the card, follow the instructions in the envelope to obtain the activation code; • Verify that the last four digits of the card match those displayed in the client page; • Do not disclose the activation code.

Open Apple Wallet → Add "Debit/Credit Card" → Manually enter card information → Complete verification.

Official website path: Card → Settings → Update PIN Note: • Supports 4- or 6-digit combinations; • Sequential numbers or previously used PINs are not allowed.

Deletion path: Card → Settings → Delete; After deletion, the card issuance fee is non-refundable, and the card cannot be restored.

The card validity period is 3 years. Upon expiration, the card will automatically stop functioning, and you must apply for a new card. If there is a remaining balance on the card, the system will automatically transfer it to the new card. • Physical card: New card fees are subject to the amount displayed in the client (shipping fees charged separately). • Virtual card: First replacement is free; each subsequent replacement costs 10.00 USD per time.

Please contact the bank or institution operating the ATM as soon as possible and provide relevant identity information or transaction proof to request retrieval of the card. If the bank requires additional account or transaction documentation from the issuing institution, please contact PayMight online customer support, and we will assist in providing the necessary information and support.

The refund process for PayMight cards involves merchants and banks, and the arrival time may vary. The process typically includes the following steps: • Merchant initiates refund After receiving your refund request or system-marked transaction, the merchant must submit a refund instruction to the bank. • Bank processes refund After receiving the instruction, the bank verifies and clears the transaction to ensure transaction accuracy. • Funds returned to your account After verification, the refund amount will automatically be credited to your PayMight account or original payment account. Generally, refund processing takes 7–10 business days. The actual arrival time may vary depending on the merchant, payment channel, and bank processing speed.

Refunds may occur for various reasons, including: • User-initiated refund If you apply for a refund through a merchant or payment platform, the funds will be returned to your PayMight account through the original payment path. • Merchant or acquiring bank rejection Due to card network policies, transaction type, or user region restrictions, some merchants or their acquiring systems may reject transactions after review. • Bank risk control interception If a transaction triggers PayMight's or the bank's internal risk control mechanisms, the transaction may be terminated before completion, and the system will automatically refund. • Restricted merchant categories Due to regulatory or bank compliance policies, certain industries may not be supported, and transactions may be automatically reversed and refunded. • Unsettled pre-authorization For pre-authorization transactions (e.g., hotels, gas stations, car rentals), if the merchant does not complete settlement within the specified time, the system will automatically release the pre-authorized amount or complete the refund. If you are unsure of the reason for the refund, please contact PayMight online customer support for assistance. Refund Arrival Time Explanation Refund arrival time depends on the merchant's settlement or authorization release process: Standard payment transactions (most online purchases) Merchants typically initiate settlement within 7 days. If settlement is not initiated, the system will automatically return the frozen amount to your PayMight card within 7–10 days after reconciliation. Pre-authorization transactions (e.g., hotels, car rentals) Pre-authorizations may have a longer holding period. Merchants may complete settlement or release authorization within up to 30 days. Once authorization is released, the amount will automatically return to your card. Reminder: Whether a refund is credited depends on the merchant's settlement or authorization release timing. PayMight will credit the refund immediately upon receiving the official refund instruction.

A transaction may be declined for several reasons. Common causes include: Unsupported Payment Terminal The POS terminal or online payment channel may not support the PayMight network. Please confirm that the merchant accepts the card network associated with your PayMight card. Card Frozen or Temporarily Disabled If your card has been manually frozen or temporarily disabled in your account settings, transactions cannot be processed. Please log in to your account to check the card status. Risk Control Triggered Multiple incorrect PIN entries, unusually high transaction frequency, or suspicious geographic activity may trigger our risk control systems and temporarily block transactions. Insufficient Funds Ensure that your available balance is sufficient to cover the transaction amount. Payment Network Maintenance or System Upgrades Temporary maintenance or upgrades to payment networks may prevent transactions from being processed. Acquirer-Imposed Transaction Limits Certain merchants or payment platforms may impose limits on single or cumulative transaction amounts. Transactions exceeding these limits may be declined.

Global ATM Withdrawals You can withdraw local currency from ATMs that support Mastercard or Visa networks. Availability may vary by country or region. Please refer to official PayMight guidance for specific coverage. Fees and exchange rates are determined by the local bank and settlement network. Compatibility with Global Payment Networks and Digital Wallets The PayMight card supports 30+ global payment networks and digital wallets, including Visa, Mastercard, Alipay, Apple Pay, Google Pay, and PayPal. It can be used for both online and in-store purchases worldwide.

Due to local regulatory restrictions, cash withdrawals with the PayMight physical card may not be available in some countries. For specific availability, please contact customer support.

Each payment attempt is processed according to network rules and may incur a transaction fee. To avoid repeated charges, please ensure your account balance is sufficient before initiating a payment.

First, confirm that your card balance is sufficient. If the balance is adequate, this issue is usually caused by settlement timing differences. In some transactions, funds may be pre-authorized or temporarily held. These amounts are not released until settlement is completed, which can make your available balance appear lower and trigger an "insufficient funds" message. If this occurs, please try the payment again later or contact customer support for assistance.

ATM withdrawal limits are set by local banks and country-specific ATM policies, not by PayMight. For the PayMight card's daily withdrawal limits, please refer to the Fee Schedule.

If you have not received your PayMight physical card after purchase, the issue is usually caused by one of the following: Invalid Contact Information If the courier cannot reach the recipient during delivery, the package may be returned. Incomplete or Incorrect Shipping Address Errors such as misspellings, incorrect postal codes, or missing details may prevent successful delivery. Unsupported Shipping Destination Some countries or regions are currently not eligible for PayMight physical card delivery. Please refer to PayMight's service policy for details. If you encounter any of the above issues, please contact PayMight customer support for assistance.

Before submitting your shipping information, please confirm the following: The address is complete and accurate, including country/region, city, street, and postal code. The contact phone number is valid and reachable. The destination country or region is within PayMight's supported service coverage. Important: Once the card has been shipped, the delivery information cannot be modified. PayMight is not responsible for delivery failures, returns, or losses caused by incorrect address or contact details.

The availability of PayMight physical card delivery is determined based on local financial regulations, card issuance policies, and logistics feasibility, and may be updated periodically. Currently, the United States, Canada, and certain other countries and regions do not support PayMight physical card delivery. For all other locations, availability will be confirmed during checkout based on the country selection validation and official confirmation from PayMight customer support. If you are unsure whether your country or region is supported, we recommend contacting PayMight customer support before placing an order to avoid unnecessary issues or costs.

Path: MiBank → Fiat Account → Open Virtual Account Submit the required information and complete identity verification to apply.

After submitting the application, the USD SWIFT Virtual Account is typically issued on the same day. Once approved, your VA account details will be displayed on the MiBank → Fiat Account page.

There is no ongoing account maintenance fee. A one-time account opening fee may apply.

There is no platform-imposed upper limit for USD deposits. However, bank or payment channel limits may apply.

Single transaction limit: 100,000,0 USD. USD SWIFT transfers are generally credited within 5–6 hours. Other currencies via SWIFT are generally credited on T+1.

$PPT is the reward point system within the PayMight Telegram ecosystem. Users can earn points through daily check-ins, tasks, and referrals. Points can be redeemed for platform benefits.

You can earn $PPT through daily check-ins, mini games, inviting friends, and other activities within the ecosystem.

• Each game costs 20 $PPT. Up to 5 games can be played per day. • Each round lasts 20 seconds. • Non-bomb item: +1 point. • Bomb: Clears all points earned in the current round. • Snowflake: Pauses the game for 3 seconds with no points awarded.

• 8-hour check-in cycle: Earn 2 $PPT per cycle. • Consecutive check-ins: Tiered rewards for streaks, up to 360 days.

Base Rewards: Earn 100 $PPT for each successful referral. Milestone Rewards: Receive additional $PPT bonuses when your total referrals reach milestones such as 3, 5, 10, up to 5,000 or 10,000 users.

Complete designated tasks to earn points. The task library is updated periodically with new opportunities to earn.