> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xo.market/llms.txt
> Use this file to discover all available pages before exploring further.

# Deposit funds

> Deposit from a wallet, transfer crypto, or buy with cash.

Every funding route ends the same way: USDC credited to your XO smart wallet. What differs is how you get there.

## Three routes

<Tabs>
  <Tab title="Deposit from wallet">
    Connect an external EVM or Solana wallet and select a supported asset. XO obtains a quote, transfers through the funding provider, and credits USDC to your smart wallet once processing completes.

    Best when you already hold crypto in a wallet you control.
  </Tab>

  <Tab title="Transfer crypto">
    Copy your deposit address or scan its QR code, then send a supported asset on the selected network. The provider watches the address and credits your smart wallet when the transfer completes.

    Best when funds are coming from an exchange or a wallet you can't connect.

    <Warning>
      Send only a supported asset, on the selected network. A transfer on the wrong network may not be recoverable. Confirm both before you send.
    </Warning>
  </Tab>

  <Tab title="Use cash">
    Choose a cash option — card, Apple Pay, Google Pay or the listed provider — and complete the embedded checkout. The third-party provider handles payment and conversion before USDC reaches XO.

    Best for a first deposit with no existing crypto.
  </Tab>
</Tabs>

## While a deposit is in flight

Deposits are not instant. They move through provider and network steps, and some transfers require verification before they complete. See [Transfer states](/product/accounts/transfer-states) for what each status means.

<Warning>
  Do not start a second transfer while the first is still pending. Open the transfer status, keep the transaction or transfer ID, and wait for a terminal state. Duplicate transfers are difficult to unwind.
</Warning>

## Promotions

Deposit promotions shown in the app — bonus CP on a first deposit, for example — are time-bound campaigns, not standing product rules. The terms displayed at the moment you deposit are the ones that apply.