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What is the difference between "Transfer" and "Top-up"? Is there a fee?

What is the difference between "Transfer" and "Top-up"? Is there a fee?

Updated over a month ago

Top-up(Deposit): Refers to transferring USDT into MPChat from an external exchange or wallet.

Transfer: Refers to moving funds between your "Wallet" and "Card" within the MPChat App.

Internal transfers are instantaneous and completely free of charge.

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