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Pear gives every account a built-in wallet on each supported chain (Polygon and Solana). You can fund it with a card or bank transfer, withdraw to your own wallet, or import an existing wallet you already control.

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Funding your account

1

Open Profile → Funding → Deposit

Pick a deposit method: card, bank transfer (ACH), or crypto.
2

Pick an amount

Pear shows a live preview of fees, the exchange rate (if applicable), and exactly how much will land in your account.
3

Confirm

Card and ACH deposits route through MoonPay (or the onramp shown in your app). Crypto deposits show a QR + address you send to directly.
ACH deposits typically settle in 1 to 3 business days. Card deposits land instantly but carry a higher fee. Crypto deposits depend on chain finality (Polygon ~1 minute, Solana ~30 seconds).

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Withdrawing

1

Open Profile → Funding → Withdraw

Pick where you want the funds to go: bank account, card, or external crypto wallet.
2

Pick an amount

Pear shows the withdrawal fee and ETA. Available balance reflects your trading balance plus any claimed cashback.
3

Confirm

Bank withdrawals settle in 1 to 3 business days. Crypto withdrawals are typically minutes.

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Wallets

Pear creates a wallet for you on each supported chain. You’ll see them under Profile → Wallets:

Polygon wallet

Holds USDC for Polymarket positions. Backed by Privy, controlled by you.

Solana wallet

On-chain rail for balances and transfers on Solana: deposits, withdrawals, and anything we route over Solana in the future.Important: the markets we list today are Polymarket (Polygon) and Kalshi (via dFlow). There isn’t a separate “Solana prediction market venue” in that list yet. The Solana wallet is real infrastructure (and faster finality for Solana-native money movement), not a promise that every category already trades on Solana.
You can also import an existing wallet (via private key or wallet-connect) so you can trade with funds you already hold elsewhere.
Pear’s built-in wallets are non-custodial. Your keys are yours. You can export them at any time and use them with any compatible wallet (MetaMask, Phantom, Rabby, etc.).

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Funding history

Every deposit and withdrawal is logged in Profile → Funding → History with status, fee, ETA, and transaction hash where applicable.

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Limits and KYC

Fiat onboarding (card, bank, and similar onramps) routes through MoonPay. When MoonPay’s risk or compliance rules require identity verification, you complete KYC inside MoonPay’s flow, the same infrastructure trusted by millions of users worldwide. Kalshi event contracts on Pear are accessed through dFlow’s on-chain tokenized contracts. When dFlow requires verification, you complete dFlow Proof inside dFlow’s experience. Pear does not host KYC forms for either path and does not have access to your personal KYC information. We will never ask you to send documents, passwords, or sensitive personal data through Pear chat, email, or unofficial links. If someone claims to be Pear and asks for that, it is a scam. Contact [email protected] only through official channels. You’ll only see verification when a partner’s flow or a venue threshold actually requires it (for example larger deposits or contract types that need a verified profile).
Keep reading: Trading · Cashback · FAQ