⚡ Quick summary (TL;DR)

Most common cause: a successful blockchain explorer status does not mean your MPChat wallet has credited the funds. Deposits still pass compliance and risk checks by MPChat and custodian HashKey (AML/KYT). Risky source addresses can leave the status on Pending for a long time.

Self-check first: correct asset and network, actual amount received ≥ 10 USDT (after on-chain fees), and required confirmations completed. If all look fine but it is still Pending after 30 minutes, contact support with the transaction Hash (TxID).

Do not deposit again. For a first AML/KYT intercept, support can help file an appeal with HashKey. Appeals are available for the first time only on the same account — repeat high-risk deposits will no longer qualify for appeals or manual handling.

Hi! If your on-chain deposit to MPChat stays on Pending or does not credit for a long time, the funds are usually not lost — they are waiting for compliance screening before credit. This guide covers common causes, how to tell if AML/KYT review is involved, and what to prepare when contacting support.

Normally, deposits credit automatically after required confirmations (often about 30 seconds to 15 minutes, depending on the network). If confirmations are done but Pending persists, work through the checks below in order.

Direct answer: “on-chain arrival” is not the same as “credited in your MPChat wallet.” After the blockchain confirms the transfer, funds still go through compliance and risk review by MPChat and custodian HashKey before they appear in your balance.

So even when a blockchain explorer shows Success / Confirmed, MPChat may still show Pending. That does not mean the funds are lost.

Direct answer: first rule out amount, network, confirmations, and timeout. If all look normal and it is still not credited after 30 minutes, contact support under the risk-review path.

Direct answer: to protect platform and user funds, MPChat screens on-chain deposits with AML (anti-money laundering) and KYT (Know Your Transaction) checks. If funds or related addresses look higher risk, credit may pause for further review — and the app may still only show Pending.

On-chain risk scoring is not limited to the wallet you used this time. Systems also look at funding sources, historical paths, and links to other addresses. The most common trigger is a problematic or high-risk source address — even if you were unaware of that history.

Examples that may lead to further review include:

Important: a risk review does not mean the system has already concluded that you broke the rules — it means the transaction needs further verification. Prior hops that touched risky addresses can still trigger review even if you did not know.

Direct answer: the usual pattern is: the explorer already shows success with enough confirmations, but MPChat still shows Pending or no credit for a long time. After ruling out amount, network, and confirmation issues, AML/KYT review is a strong possibility.

Direct answer: do not deposit again or resend the same transfer. Contact MPChat support so they can check via TxID whether custodian HashKey held the funds, and help submit a review or appeal. During review, those funds may be temporarily unavailable to credit or use.

Please prepare the following when you contact support:

Direct answer: if a deposit is first intercepted by custodian HashKey for AML/KYT reasons, MPChat support may help submit an appeal or review to HashKey based on the case. If the appeal succeeds, held funds are returned or handled per HashKey’s outcome.

⚠️ Important: appeals are available for the first time only

If the same account deposits high-risk funds again, those transactions will no longer qualify for appeals or manual handling. Always confirm the funding source of every deposit.

Direct answer: preferably deposit from wallets or major exchanges you use yourself with a clear funding trail; avoid receiving or forwarding opaque third-party funds; treat assets linked to high-risk or illicit activity with caution.

Before depositing, you may also use third-party blockchain risk tools for a preliminary view of address or fund risk. For example:

Please note: third-party results are for reference only. Data sources, labels, and scoring rules differ across vendors, so a “low risk” or “safe” result does not guarantee the deposit will pass HashKey’s AML/KYT review. Whether MPChat can credit the deposit ultimately depends on HashKey’s actual review outcome.

On-chain confirmation only means the transfer settled on the blockchain. MPChat still needs compliance and risk screening (including HashKey AML/KYT) before credit. Confirm the amount received is ≥ 10 USDT and the network is correct; if it is still Pending after 30 minutes, contact support with the TxID.

Most normal deposits credit in about 30 seconds to 15 minutes. If confirmations are done and amount/network are correct, but Pending lasts more than 30 minutes, contact MPChat support to check for risk review.

On a first intercept, support can help submit an appeal or review to HashKey. If approved, funds are returned or handled per HashKey’s outcome. Final decisions follow HashKey’s compliance policy; MPChat cannot guarantee every appeal will succeed.

💬 Still Pending? Contact support

Do not deposit again or resubmit the same transfer in a short window. Prepare username, amount, funding source, asset/network, TxID, and deposit time, then contact support.

Contact us through in-app customer support in the MPChat App and provide the details above.

This guide is for reference only. AML/KYT review and final outcomes follow custodian HashKey’s compliance policy and actual review results.