# Bold

Welcome to Bold: banking for bitcoiners.

Bold is the personal finance platform designed for your needs as a bitcoin holder.

### Features

* [Bold Wallet](/bold-wallet/wallet-overview): Buy, sell, receive, send, and withdraw your bitcoin.
* [Checking Account](/checking-account/checking-account-overview): An FDIC-insured checking account that lets you easily convert dollars and bitcoin, pay bills, and spend. 
* [Bold Card](/checking-account/bold-card): A virtual Visa Debit card that lets you earn sats back with every swipe. The more bitcoin you purchase with Bold, the more rewards you earn. 
* [Bold Vault](/bold-vault/vault-overview): Your personal multisig wallet where you hold 2 keys and Bold holds one as a backup.

### Rewards

* [Bold Rewards](/rewards/bold-rewards): A dedicated page that tracks all of the rewards you earn within Bold. This section also includes [debit card rewards](/rewards/bold-rewards#debit-card-rewards) you may receive. 

### General Information

* [Account Settings](/general/account-settings): Manage account security and  information. 
* [Account Limits and Holds](/general/account-holds): View details about limits and holds on your cash and bitcoin. 
* [Tax reporting](/general/tax-reporting): Generate transaction files to upload directly to your tax preparation software.
* [Pricing and Fees](/general/pricing-and-custody-options): View pricing and fees to use Bold's features.

{% hint style="info" %}
Bold is accessible via web browser on mobile or desktop at <https://app.getbold.io>. iOS and Android apps are coming soon.
{% endhint %}


# Getting Started

Set up your Bold account in 10 minutes.

### Create an Account

1. Navigate to [`https://app.getbold.io/signup`](https://app.getbold.io/signup).
2. Enter your email and click `Continue`.
3. Confirm you are a resident of the United States and click `Continue`.&#x20;

{% hint style="warning" %}
Note: At this time Bold is exclusively available to customers who reside in the United States.&#x20;
{% endhint %}

4. Select the `State` where you are a resident.

{% hint style="warning" %}
**Note**: At this time, Bold does not serve customers in the following states: Connecticut, Georgia, Louisiana, Nevada, New Mexico, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Washington DC.
{% endhint %}

5. Enter your `First name` and `Last name` and create a `Password`.
   1. If you have a `Referral code`, select the check-box and type in the code.
6. Review the terms, agree to them, and click `Sign up.`&#x20;

After following these steps, you now have a Bold account and can login.&#x20;

The next step to unlock all of Bold's features is Account Verification.

### Account Verification

1. Click `Start account verification` button

<figure><img src="/files/UysecSdTxkZT3CVPGePQ" alt="" width="322"><figcaption></figcaption></figure>

2. Follow the steps to enable `2FA` (Two-Factor Authentication), or skip this step and do it later.
   1. If you don't have an authenticator app yet, Bold recommends [Google Authenticator](https://play.google.com/store/apps/details?id=com.google.android.apps.authenticator2\&hl=en_US\&pli=1).
3. Enter into Bold the 2FA code your authenticator app provides and click `Verify`.
4. After you `Verify` your 2FA, enter your personal information, including `First name`, `Last name`, `Social security number`, `Date of birth`, `Phone number`, and specify how you will use Bold.&#x20;

{% hint style="danger" %}
The name you used to sign up for Bold must exactly match the name on your ID and the name on your outside bank account you will link to Bold.
{% endhint %}

5. Confirm your `Address.`
6. Verify your email. Enter the `Code` that was sent to your email and click `Next`.&#x20;
7. Verify your phone number. Enter the SMS `Code` sent to your phone number and click `Next`.
8. Fill out your Trading Experience and Goals and click `Next`.
   1. Say your experience with crypto and how much bitcoin you intend to buy monthly.
9. Use the dropdown menus to fill out the `About you` section and click `Next`.
   1. &#x20;Say the source of deposited funds and your employment status.
      1. If your annual projected bitcoin purchases are over $50,000 you will have to fill out additional fields about your employment status and history.&#x20;
10. Upload your government issued ID.&#x20;
    1. Acceptable forms of ID include: Driver's License, US Passport, or other government issued ID with your photo.&#x20;

{% hint style="warning" %}
Only PNG, JPG, JPEG or PDF formats are accepted.
{% endhint %}

{% hint style="info" %}
For customers age 65 years and older, after submitting your documents, you will be prompted to upload a video of yourself.&#x20;

In the video:

1\) State your name and the date.&#x20;

2\) Hold up to the camera the government issued ID your submitted earlier.

3\) Hold up to the camera a printed-out proof of address document.&#x20;
{% endhint %}

<details>

<summary>Common reasons for why your ID Verification failed or why additional information is required:</summary>

There are many reasons why your ID verification can fail or additional information may be required. Below are common errors:&#x20;

1. **There was an error with the document you provided.** This can occur if you did not submit a valid form of ID, the ID was expired, or the image was blurry and unreadable. You will be prompted to return to the ID Verification step to resubmit a valid form of ID.&#x20;
2. **The name you supplied on your account does not match the name in your ID.** If your ID does not reflect a legal name change, you will be prompted to provide a legal document that authorizes the name change (such as a marriage certificate, divorce decree, or name change affidavit).&#x20;
3. **The date of birth supplied does not match the date of birth in your ID.** You will be asked to confirm your date of birth and resubmit.&#x20;
4. **The SSN and name supplied do not match the Social Security Administration's records.** You will be asked to verify that your social security number and name are correct and then resubmit.&#x20;
5. **The address given needs to be verified with proof of residence.** You will be prompted to provide documentation dated within the last 90 days to confirm your address.&#x20;

</details>

11. Click `Connect bank account` and link your bank account through Plaid.&#x20;
12. Your Bold account will be fully verified once your identification is approved and your bank account is linked.

**Welcome to Bold.**


# Wallet Overview

The Bold Wallet lets you:

* [Buy](/bold-wallet/editor) bitcoin
* [Sell](/bold-wallet/markdown) bitcoin
* See [A full balance breakdown](/bold-wallet/interactive-blocks)
* [Set up recurring buys](/bold-wallet/images-and-media)
* And [Receive and Send bitcoin on-chain](/bold-wallet/receive-and-send)


# Buy

The Bold platform allows two types of bitcoin buys:

* Instant buy
* [Recurring buys](/bold-wallet/images-and-media)

### Make an Instant Buy

1. [Create an account](/getting-started/getting-started) and make sure the account is verified and funded.
2. Enter how many dollars of bitcoin you would like to buy and click `Preview buy`.

   <figure><img src="/files/T9vwF7WOOikFEiL5rmNu" alt="" width="297"><figcaption></figcaption></figure>
3. Review the information in the `Confirm buy` table and click `Bank account`. If your Bold account has not already been connected to a bank account, you will be required to do that when choosing a payment method.&#x20;
   1. If you have connected a bank account, select it and move on to `Step 5`.&#x20;
4. After selecting the `Bank account` dropdown you will be prompted to add a bank account. Click `Connect new account` to proceed.&#x20;

   1. Connect your bank account through Plaid.

      <div data-gb-custom-block data-tag="hint" data-style="danger" class="hint hint-danger"><p>The name, residential address, and phone number you signed up to Bold with must match the name on your bank account. </p><p>If they are different, your account may be suspended.</p></div>

   <figure><img src="/files/OCNsLHnuZjwlWA81esjQ" alt="" width="175"><figcaption></figcaption></figure>
5. After successfully connecting your bank account, select it and confirm your purchase by clicking `Confirm buy`.
6. After you click `Confirm buy` and your transaction is successful, you will see a message telling you your `Buy order executed successfully`.
   1. Every buy shows progress toward unlocking the next reward tier. For a full breakdown of the rewards, visit the [Bold Rewards](/rewards/bold-rewards) page.&#x20;
7. Find the details of a buy transaction by clicking onto a transaction in the `Latest transaction` table.&#x20;

### Fees

* 0 fees on the first $10,000 of purchases. The fees saved are immediately sent to the [rewards](https://docs.getbold.io/) section of your account.&#x20;
* [Click here](/general/pricing-and-custody-options) to see fee percentages on all other buys.

<details>

<summary>How do I purchase more than my instant purchase limit on Bold?</summary>

You must deposit cash to your Bold wallet to make purchases over your instant purchase limit. The instant purchase limit on your account is dynamic.&#x20;

To fund your account to exceed your instant limit, visit the [Brokerage account](/checking-account/brokerage-account) page.&#x20;

</details>


# Sell

### How to Sell Bitcoin

1. Go to the `Sell` tab on the Bold Wallet page and enter how much bitcoin to sell.&#x20;

{% hint style="info" %}
The minimum sell order size is 0.001 BTC
{% endhint %}

2. Click `Preview sell` to see a breakdown of the intended sale.&#x20;
3. Review the information on the `Preview btc sell` page and click `Sell bitcoin` to confirm the sale.&#x20;

<figure><img src="/files/U0hMs7zMrDH2vzYYqzEO" alt="" width="375"><figcaption></figcaption></figure>

4. A `Sell order executed successfully` screen will appear.&#x20;

&#x20;

<figure><img src="/files/wYNjjoKfrXCDUhWXw5Mq" alt="" width="375"><figcaption></figcaption></figure>

5. Find the details of a sell transaction by clicking onto a transaction in the `Latest transaction` table.&#x20;

### The Max Button

* Clicking the `Max` button inputs your `Available to trade` bitcoin balance.&#x20;
  * Clicking `Max` will not automatically initiate the transaction.

<figure><img src="/files/glYpWgjoSvO4WSwkosgO" alt="" width="300"><figcaption><p>Clicking the 'Max' button</p></figcaption></figure>

### Fees for Selling

* [Click here](/general/pricing-and-custody-options) to see a full breakdown of all fees associated with selling.&#x20;

### Availability of Proceeds

The proceeds from any bitcoin sales follow the Bold platform rules of availability:

* All funds are available to trade immediately.&#x20;

Additionally, there are further rules on when funds from a sale are available to be withdrawn:

* If bitcoin was deposited to your account via an on-chain transaction and then sold, the funds are available to be withdrawn immediately.
* If the bitcoin sold was purchased using cash deposited to Bold, the cash generated from the sale is held until the all of the original deposits mature. All holds are dynamically set based on a risk assessment. The risk assessment is on a per transaction basis and takes account history and transaction amount into consideration.&#x20;
* For more information, visit [account limits and holds](/general/account-holds).


# Balance Breakdown

* Access your Bold Wallet balance breakdown by hovering over the bitcoin balance section.

<figure><img src="/files/vtzVGC7dBzw3UeaOWTNn" alt="" width="284"><figcaption></figcaption></figure>

* Click the `More detail` button to bring up more information.

<figure><img src="/files/lqJxqKqzavNODkqi2RsY" alt="" width="375"><figcaption></figcaption></figure>

<table><thead><tr><th width="154.53515625" align="center">Balance Type</th><th align="center">How It Is Calculated</th></tr></thead><tbody><tr><td align="center">Cleared BTC</td><td align="center">Bitcoin in your account that has passed the hold criteria</td></tr><tr><td align="center">Pending debits from cleared BTC</td><td align="center">Any pending payments or sell orders from your Bold wallet  </td></tr><tr><td align="center">Available to Withdraw</td><td align="center"><code>Cleared BTC</code> minus <code>Pending debits</code> from cleared BTC</td></tr><tr><td align="center">BTC on hold</td><td align="center">The <code>Sum</code> of all bitcoin in your account currently under a hold period</td></tr><tr><td align="center">Pending debits from BTC on hold</td><td align="center">Any pending payments or sell orders with your BTC on hold</td></tr><tr><td align="center">Available to trade</td><td align="center"><code>Available to withdraw bitcoin</code> and <code>BTC on hold</code> minus any <code>Pending debits</code> from BTC on hold.</td></tr><tr><td align="center">pending credits</td><td align="center">Any credited Bitcoin to your account that has not fully settled into your account.</td></tr><tr><td align="center">Total</td><td align="center">The sum of your <code>Available to trade</code> and <code>Pending credits</code> (this covers the total bitcoin in your account minus any outstanding debits)</td></tr></tbody></table>


# Recurring Buys

### Frequency of Recurring Buys

* You can set up your recurring buy to occur either weekly or monthly.&#x20;
* You can choose the day of each week or the date of each month when your buy will occur.&#x20;
* All recurring buys occur at 9am in the time zone your Bold account is registered.

### How to Set up a Recurring Buy:

1. In the top right of the Bold Wallet, click `Recurring buys`.

<figure><img src="/files/lJjqYbgTv1dAt4JVhs3l" alt="" width="166"><figcaption></figcaption></figure>

2. Enter the following information and click `Review` .
   1. If you have not set up a bank account, visit the [Account Linking](/checking-account/link-a-bank-account) page.

<figure><img src="/files/xkQjd3yb2PRK07qwGkYz" alt="" width="375"><figcaption><p>The fields required to set up your recurring buy</p></figcaption></figure>

3. On the `Confirm recurring buy` page, authorize Bold to initiate an ACH/electronic debit from your account.&#x20;
4. Click `Confirm` to finalize your recurring buy.&#x20;

<figure><img src="/files/6HgsclZHSsmmCnwuTV7z" alt="" width="375"><figcaption></figcaption></figure>

5. A pop-up will say your recurring buy was confirmed.&#x20;
   1. The button that used to be purple and say `Recurring buys` now shows the details of your recurring buy.&#x20;

<figure><img src="/files/vKqcsFQJB4SNJqUOqFUD" alt="" width="158"><figcaption></figcaption></figure>

### Editing a Recurring Buy

1. To edit your recurring buy you need to click your recurring buy that is currently set up. In this example, you would click `$10.00 of BTC Sundays 9 AM`.

<figure><img src="/files/vKqcsFQJB4SNJqUOqFUD" alt="" width="158"><figcaption></figcaption></figure>

2. A pop-up menu will appear and will include the options to `Delete` or to `Edit`.
3. Click `Edit`.&#x20;
   1. In this example, the recurring buy changed from $10 weekly to $15 monthly on every 1st of the month.&#x20;
4. Click `Review` to review the new recurring buy.&#x20;

<figure><img src="/files/RL7s8BjAMiqiIYuYiuMf" alt="" width="375"><figcaption></figcaption></figure>

5. Authorize Bold to initiate the transfer and click `Confirm` to confirm the new recurring buy.&#x20;
6. The changes in the recurring buy are displayed.&#x20;

<figure><img src="/files/PjXtoVaDfQrV3YFtsDjb" alt="" width="162"><figcaption></figcaption></figure>

### Deleting a Recurring Buy

1. To delete your recurring buy you need to click your recurring buy that is currently set up. In this example, you would click `$15.00 of BTC Monthly on the 1st`.

<figure><img src="/files/PjXtoVaDfQrV3YFtsDjb" alt="" width="162"><figcaption></figcaption></figure>

2. A pop-up menu will appear and will include the options to `Delete` or to `Edit`.
3. Click `Delete`.&#x20;
4. Click `Delete` to confirm deletion of your recurring buy.&#x20;
5. You will receive confirmation and no longer see an active recurring buy on your Bold Wallet page.&#x20;
   1. You can now set up a new `Recurring buy`.&#x20;

<figure><img src="/files/lJjqYbgTv1dAt4JVhs3l" alt="" width="166"><figcaption></figcaption></figure>

### Fees and Rewards on Recurring Buys

* Recurring buys follow the standard Bold [fee breakdown](/general/pricing-and-custody-options) on every purchase. Recurring buys also count toward the first $10,000 in purchases that are fee-free.
  * Any fee from your recurring buys prior to you reaching the $10,000 threshold will be automatically sent to your [Rewards](/rewards/bold-rewards).&#x20;

<details>

<summary>Common Recurring Buy Questions</summary>

### When will My Recurring Buy Execute?&#x20;

Your recurring buy will execute at 9:00 AM on the chosen date in your chosen timezone based on the address you used to verify your account!

### Why Would I Set a Recurring Buy?

Setting up recurring buys in your account enables you to stop worrying about timing the market and instead focus on, time in the market. Bitcoin has historically had most of its annual gains in only a few days out of the year.

Enabling a recurring buy lets you capture the ebbs and flows of the market without having to think about when you specifically want to purchase.&#x20;

### Why Did My Recurring Buy Fail?

There are many reasons why a recurring buy can fail and they primarily relate to not possessing enough money in your bank account. Examples of potential scenarios where a recurring buy would fail are outlined below:

* If you have $200 in your bank account and submit a $100 weekly recurring buy, the Bold recurring buy will successfully purchase the first week and deduct $100 from your account leaving $100 remaining. Assuming you make no other purchase with the money in this account, Bold will deduct another $100 on the second week for the second recurring buy leaving $0 in the account. On the day of the third recurring buy, the buy will fail because the linked account does not have enough money to cover the purchase.&#x20;

</details>


# Receive and Send

You are able to receive and send bitcoin via on-chain transactions on Bold.

### Receive Bitcoin&#x20;

1. Click `Move bitcoin` from the Bold Wallet page.
2. Click `Receive bitcoin`.

<figure><img src="/files/1NR36xBVV8i1nkbQovfV" alt="" width="176"><figcaption></figcaption></figure>

3. Scan the QR code or copy and paste the bitcoin on-chain address.

{% hint style="danger" %}
The below QR address and on-chain wallet address is not an active bitcoin address. DO NOT SEND your bitcoin to this address.
{% endhint %}

<figure><img src="/files/1ZaRXkQFRnPYEZrqHN1d" alt="" width="375"><figcaption><p>The QR code/wallet address the sender will need to send you bitcoin</p></figcaption></figure>

4. Confirm the transaction yourself or have the sender confirm the transaction.
5. When the transaction is confirmed you will receive your bitcoin in your account.
6. Find the details of a deposit (receive) transaction by clicking onto a transaction in the `Latest transaction` table.&#x20;
   1. You can tag a transaction as either a `Self transfer` or `Payment`. You can also input a note about the transaction.&#x20;
      1. The category and note will flow over to Bold's tax reporting feature making it easier for taxable events to be represented and accounted for.&#x20;

### Send Bitcoin

1. Click `Move bitcoin` from the Bold Wallet page.
2. Click `Send bitcoin`.

<figure><img src="/files/Hx2zdNJLC1KnC9gUpsse" alt="" width="177"><figcaption></figcaption></figure>

3. If you are sending bitcoin to an outside wallet, enter in the bitcoin address into the `Bitcoin address` section. Enter the amount of bitcoin you want to send and then click `Continue`.
   1. If you are looking to withdraw to your vault, visit [Deposit to Vault.](/bold-vault/deposit-to-vault)

<figure><img src="/files/ACff3WSqsVpKZoVHJmHY" alt="" width="375"><figcaption></figcaption></figure>

{% hint style="warning" %}
You will only be able to send bitcoin in your account that has cleared the holding period
{% endhint %}

4. Click `Confirm` to confirm your transaction.&#x20;
   1. Network fees are based on a 3 month moving average.&#x20;

{% hint style="info" %}
Withdrawals above $25,000 require manual review and approval. This threshold can be increased or decreased by emailing <support@getbold.io>.&#x20;
{% endhint %}

5. Find the details of a withdrawal (send) transaction by clicking onto a transaction in the `Latest transaction` table.&#x20;
   1. You can tag a transaction as either a `Self transfer` or `Payment`. You can also input a note about the transaction.&#x20;
      1. The category and note will flow over to Bold's tax reporting feature making it easier for taxable events to be represented and accounted for.&#x20;


# Checking Account Overview

The Bold Checking Account lets you:&#x20;

* [Fund your account](/checking-account/fund-your-account)
* [Withdraw from Bold](/bold-vault/withdraw-from-vault)
* Use your [Bold Card](/checking-account/bold-card)
* See a full [balance breakdown](/checking-account/balance-breakdown)&#x20;
* [Link a bank account](/checking-account/link-a-bank-account)
* Set up [Direct Deposit](/checking-account/direct-deposit)
* Use your [Brokerage Account](/checking-account/brokerage-account)


# Fund Your Account

### Link A Bank Account

You need to link a bank account to your Bold account in order to fund your account:

1. From the `Checking account` page click `Linked accounts`.

<figure><img src="/files/e3DY0IN3AbtGNzsQC1Wo" alt="" width="157"><figcaption></figcaption></figure>

2. Click `Connect new account` to be taken to the Plaid integration.
3. Click `Get started` and follow the steps to connect your bank account through Plaid.&#x20;

### Funding Your Account:

1. Click `Move money`.

<figure><img src="/files/VaLQ1Kt48dDuue6ow4DW" alt="" width="161"><figcaption></figcaption></figure>

2. Click `Add funds`.

<figure><img src="/files/9JCNZj9voYHBettPSR6z" alt="" width="159"><figcaption></figcaption></figure>

3. Enter how much money you want to add and click `Continue`.
   1. Under `ACH` You can select `Standard transfer` or `Instant transfer` from this page.
4. Click `Authorize transfer` to confirm the deposit.
5. You will see a `Deposit initiated` page.

<figure><img src="/files/NfT5kuVRFc2T8YYCT2WQ" alt="" width="375"><figcaption></figcaption></figure>

6. Find the details of a deposit by clicking onto a transaction in the `latest transaction` table.&#x20;

### Fund via Wire Transfer

1. Click `Move Money`.

   <figure><img src="/files/VaLQ1Kt48dDuue6ow4DW" alt="" width="161"><figcaption></figcaption></figure>

2. Click `Add funds`.

   <figure><img src="/files/9JCNZj9voYHBettPSR6z" alt="" width="159"><figcaption></figcaption></figure>

3. Click `Wire transfer` and input the information provided to initiate the wire transfer from your bank.&#x20;

<figure><img src="/files/tX21l8nRojTdZzXhBfGy" alt="" width="375"><figcaption></figcaption></figure>


# Withdraw from Bold

1. Click `Move money` on the `Checking account` page of Bold.

<figure><img src="/files/04AysIQxp1x0H7DYGkeC" alt="" width="161"><figcaption></figcaption></figure>

2. Click `Withdraw`.

<figure><img src="/files/C4W2p3lI8cdn12WZ1eLP" alt="" width="158"><figcaption></figcaption></figure>

{% hint style="info" %}
Until your account details are approved, you will be unable to withdraw funds from your account.
{% endhint %}

3. Enter how much money you wish to withdraw and choose your `Bank account`. Then click `Review`.&#x20;

<figure><img src="/files/q0PUl0HiiFRXZtjk3u3Y" alt="" width="375"><figcaption></figcaption></figure>

{% hint style="warning" %}
When you withdraw from your Bold checking account, you can only withdraw to accounts registered in your name.&#x20;
{% endhint %}

4. Click `Confirm`.&#x20;
5. Find the details of a withdrawal by clicking onto a transaction in the `Latest transaction` table.&#x20;

For information on availability of funds, visit [account limits and holds](/general/account-holds).


# Bold Card

Under the Checking Account page is the option for you to get a Bold virtual debit card. The card can be used anywhere virtual Visa cards are accepted. You will earn sats with every purchase.&#x20;

<figure><img src="/files/jbHjRGnmiFOSExX5YLzN" alt="" width="375"><figcaption></figcaption></figure>

Your card is funded by your `Checking account` in Bold. To learn how to add more money to your account, go to [fund your account](/checking-account/fund-your-account).&#x20;

Holds will sometimes apply to your funds in your Checking account when deposited via ACH instant transfer. For more information on the hold process, go to the [account limits and holds](/general/account-holds) page. For other ways to fund your card, go to the [holds on card spending page](/general/holds-on-card-spending).&#x20;

### Create Your Card

1. Click `Get card` from the `Checking account` page.&#x20;
   1. Nickname your card and click `Create card`.
   2. You can add your card to to your Apple or Google wallet. Click `Add to wallet`.
2. Select the `Wallet` you wish to add your Bold debit card to.&#x20;

<figure><img src="/files/Efk2kJpn8qSq9KOkaYl6" alt="" width="375"><figcaption></figcaption></figure>

3. Instructions for both `Apple Wallet` and `Google Wallet` will display on the next page.
   1. Follow the steps and your debit card will be added to your phone and ready for use.&#x20;

{% hint style="warning" %}
The card you've added will appear in your Google or Apple Wallet with “Checkbook.io” branding.
{% endhint %}

### Statuses for Purchases&#x20;

* New: Authorized transactions that are pending settlement.&#x20;
  * Transactions typically settle on the same day or within 7 business days.
* Completed: Settled transactions.&#x20;
* Declined: Transactions that failed.&#x20;

### Card Rewards and Fees

* The more you bitcoin you stack on Bold, the more rewards you will receive with your Bold card.&#x20;
* For a full breakdown of the rewards, go to [Debit Card rewards](/rewards/bold-rewards#debit-card-rewards).&#x20;

{% hint style="success" %}
Users of the Bold debit card pay $0 in annual fees.
{% endhint %}

### Freeze Card

You can easily freeze and unfreeze your card if you wanted to.&#x20;

1. Click `View details` under the menu for your card on the `Checking accounts` page.&#x20;
2. Click `Freeze` to freeze your card. Freezing your card prevents further transactions.&#x20;

<figure><img src="/files/aKA2Cn2FYAqL4wGuW5aM" alt="" width="375"><figcaption></figcaption></figure>

3. The card will now show it is frozen.&#x20;
   1. Click `Unfreeze` to reverse this.&#x20;


# Balance Breakdown

* Access your Checking Account balance breakdown by hovering over the Checking Account balance section

<figure><img src="/files/H4BZKNXgD3PeoPe2CFuZ" alt="" width="345"><figcaption></figcaption></figure>

* Click the `More detail` button to bring up more information.

<figure><img src="/files/gZkzekZgMqt9hE8ZP97Z" alt="" width="375"><figcaption></figcaption></figure>

<table><thead><tr><th width="157.9296875" align="center">Balance Type</th><th width="415.9375" align="center">How It Is Calculated</th></tr></thead><tbody><tr><td align="center">Cleared Cash</td><td align="center">Cash in your account that has passed the hold criteria</td></tr><tr><td align="center">Pending debits from cleared cash</td><td align="center">Any pending payments or sell orders from your Cash wallet  </td></tr><tr><td align="center">Available to Withdraw</td><td align="center"><code>Cleared cash</code> minus <code>Pending debits from cleared cash</code></td></tr><tr><td align="center">Cash on hold</td><td align="center">The sum of all cash in your account currently under a hold period</td></tr><tr><td align="center">Pending debits from cash on hold</td><td align="center">Any pending payments or sell orders with your cash on hold</td></tr><tr><td align="center">Available to trade</td><td align="center"><code>Available to withdraw cash</code> and <code>Cash on hold</code> minus any <code>Pending debits</code> from cash on hold.</td></tr><tr><td align="center">Pending Credits</td><td align="center">Any credited cash to your account that has not fully settled into your account.</td></tr><tr><td align="center">Total</td><td align="center">The sum of your <code>Available to trade</code> and <code>Pending credits</code> (this covers the total cash in your account minus any outstanding debits)</td></tr></tbody></table>


# Link a Bank Account

### Link A Bank Account

1. From the `Checking account` page click `Linked accounts`.

<figure><img src="/files/e3DY0IN3AbtGNzsQC1Wo" alt="" width="157"><figcaption></figcaption></figure>

2. Click `Connect new account` to be taken to the Plaid integration.
3. Click `Get started` and follow the steps to connect your bank account through Plaid.&#x20;
4. Return to Bold and see your `Bank account` connected.&#x20;

{% hint style="danger" %}
The name, residential address, and phone number you signed up to Bold with must match the name on your bank account.&#x20;

If they are different, your account may be suspended.
{% endhint %}

{% hint style="info" %}
If for some reason your bank account becomes disconnected, you can repeat these steps to reconnect your bank account to your Bold account.&#x20;
{% endhint %}

***

### Disconnect Your Bank Account

1. From the `Checking account` page click `Linked accounts`.

<figure><img src="/files/e3DY0IN3AbtGNzsQC1Wo" alt="" width="157"><figcaption></figcaption></figure>

2. You will see your currently connected `Bank accounts`. Click the `Trash can button` to remove your account.

<figure><img src="/files/J9CbcaEpm4SSoVpereMT" alt="" width="375"><figcaption></figcaption></figure>

3. Click `Yes, remove this account`.
4. You will see confirmation that your bank account was disconnected.&#x20;

<figure><img src="/files/NLgWWeaVwa2C9D8JgDk2" alt="" width="375"><figcaption></figcaption></figure>

5. Your `Bank account` was removed.

<figure><img src="/files/VrrZArU5OkRYaNCVP3Xc" alt="" width="375"><figcaption></figcaption></figure>

6. You can repeat the steps at the top of this page to connect a new `Bank account`.

{% hint style="info" %}
Your bank name for your Bold checking account will be JPMorgan Chase Bank
{% endhint %}


# Direct Deposit

### How to Set Up Direct Deposit

1. Navigate to your checking account and click `Direct deposit`.
2. Your Bold checking account information will appear.&#x20;
3. Copy this information and supply it to your employer.&#x20;
4. Incoming paychecks will be deposited into your Bold Checking account.&#x20;


# Brokerage Account

### Using the Brokerage Account&#x20;

{% hint style="info" %}
Using the brokerage account is required for purchases over $15,000
{% endhint %}

1. Log in and select your `Profile icon`.
2. Go to `Account settings`.
3. Toggle On `Brokerage mode`.

<figure><img src="/files/qUrBC72G1us7YafA6SU2" alt=""><figcaption></figcaption></figure>

4. Go to the `Checking account` page.
   1. It shows your Brokerage Account balance.

<figure><img src="/files/ivuroOOUsepyc2U1mV17" alt="" width="344"><figcaption></figcaption></figure>

5. Click `Add funds`.
   1. Follow the wire instructions to send a `Wire transfer` into Bold.&#x20;
   2. Include the `Memo` in the memo field.
      1. If the `Memo` is not included, the wire will bounce or be delayed.
      2. Only send the wire from your `Linked bank account`. The brokerage account can only have one linked outside account at a time (for now).
6. Wait for the wire to arrive (1-4 days).&#x20;

{% hint style="danger" %}
Only send a wire. An ACH will delay settlement of the transfer.&#x20;
{% endhint %}

7. Make your bitcoin buy.&#x20;
   1. For full buy instructions go to the [Buy](/bold-wallet/editor) page.
8. After your purchase, you can turn off `Brokerage mode` in the same way you turned it on.

{% hint style="info" %}
In the coming months there will be a dedicated account screen for your brokerage account that will appear when brokerage mode is on, so you can see checking account and brokerage account side by side. It will be fully connected to your other accounts, and you’ll be able to withdraw dollars from it, do transfers, etc. For now, sells and USD withdrawals from the Brokerage Account are not supported.
{% endhint %}


# Vault Overview

Keep your Bitcoin safe with the Bold Vault

For information on the Bold Vault visit:&#x20;

* [Vault Setup Guide](/bold-vault/vault-setup-guide)
* [Supported Hardware Wallets](/bold-vault/supported-hardware-wallets)
* [Balance Breakdown](/bold-vault/balance-breakdown)
* [Deposit To Vault](/bold-vault/deposit-to-vault)
* [Withdraw From Vault](/bold-vault/withdraw-from-vault)
* [Key Replacement](/bold-vault/key-replacement)
* [Vault Backup](/bold-vault/vault-backup)


# Vault Setup Guide

The Bold Vault lets you reduce the risk of loss or theft with its multisig 2-of-3 collaborative custody set-up. You hold two keys and Bold holds one as a backup. If you lose one key, Bold can help you recover your bitcoin. This also means that Bold cannot access your bitcoin without you.&#x20;

### How to setup a Vault in Bold

1. Fully verify your account.&#x20;
   1. If your account is not fully verified, go to [Getting Started](/getting-started/getting-started).
2. Navigate to the [vault page](https://app.getbold.io/vault) within Bold and click `Learn more`.
3. A `How it works` popup will appear. After reading this information, click `Get started`.
4. Create a name for your vault and click `Next`.
5. Gather 2 eligible Hardware Wallets and click `Next`.
   1. Visit the [supported hardware wallets](/bold-vault/supported-hardware-wallets) page to see recommended wallets.

<figure><img src="/files/kgVeJgI0C9u7etMHagpz" alt="" width="375"><figcaption></figcaption></figure>

6. Back up your seed phrases for your wallets and click `Next`.&#x20;
7. Make sure you are using a supported browser or application for your wallet connection.&#x20;

<figure><img src="/files/KDazo314IzvG54ofy9lQ" alt="" width="375"><figcaption></figcaption></figure>

8. Select the hardware wallet you have and click either `Connect wallet` (for Trezor and Ledger) or `Upload file` (for Cold Card) to register your first wallet.
   1. Approve the wallet connection on your hardware device.&#x20;
9. `Name your key` and click `Register key`.&#x20;
10. Approve the wallet connection on your hardware device. Your first hardware wallet will be successfully paired with your vault. Click `Continue`.&#x20;
11. Select the hardware wallet you have and click either `Connect wallet` (for Trezor and Ledger) or `Upload file` (for Cold Card) to register your second wallet.
    1. Approve the wallet connection on your hardware device.&#x20;
12. `Name your key` and click `Register key`.&#x20;

<figure><img src="/files/FlRm2NciwvnEmN3OURC2" alt="" width="375"><figcaption></figcaption></figure>

13. Your second hardware wallet is now successfully paired with your vault. Click `Continue`.&#x20;
    1. You will see your two named keys in the diagram.
14. Review the details of your `Vault` and click `Create vault`.

<figure><img src="/files/McKnaWlOBQ8kwxCDJbuR" alt="" width="375"><figcaption></figcaption></figure>

15. Click the `Download icon` to download your `Key backup file`. Once it is downloaded, click `Continue`.
16. Your Bold Vault is fully set up.


# Supported Hardware Wallets

As of June, 2025, Bold Vault supports six hardware wallets:&#x20;

* [Trezor Model One](https://trezor.io/trezor-model-one)

<figure><img src="/files/5Jh6a3Iv6OPZRn1FEnsu" alt="" width="188"><figcaption></figcaption></figure>

* [Trezor Model T](https://trezor.io/trezor-model-t)

<figure><img src="/files/WB36Q5wPIUBukO1ef0Ho" alt="" width="188"><figcaption></figcaption></figure>

* [Trezor Safe 3](https://trezor.io/trezor-safe-3)

<figure><img src="/files/vdgnCTicSU1FeXAVYhGV" alt="" width="188"><figcaption></figcaption></figure>

* [Ledger Nano S Plus](https://shop.ledger.com/products/ledger-nano-s-plus)

<figure><img src="/files/cr4sotnciuuHpSZDq9oY" alt="" width="188"><figcaption></figcaption></figure>

* Ledger Nano S (No longer sold by Ledger)

<figure><img src="/files/TmFTkSlNo6pOZdzWIvrw" alt="" width="188"><figcaption></figcaption></figure>

* [Coldcard Mk4](https://store.coinkite.com/store/ckcc4)

<figure><img src="/files/RnbfXjGKblGoeECAk8lp" alt="" width="188"><figcaption></figcaption></figure>

{% hint style="info" %}
It is recommended to use two different brands of hardware wallets when setting up your vault. This helps minimize any third-party risks that exist.&#x20;
{% endhint %}


# Balance Breakdown

* You can view your Bold Vault balance breakdown by hovering over the Vault balance section.

<figure><img src="/files/D4KgIbzebfGlf3eskob1" alt="" width="291"><figcaption></figcaption></figure>

<table><thead><tr><th width="140.11328125" align="center">Balance Type</th><th align="center">How It Is Calculated</th></tr></thead><tbody><tr><td align="center">Confirmed balance</td><td align="center">Bitcoin in your Vault that has been verified on the bitcoin network.</td></tr><tr><td align="center">Pending withdrawals</td><td align="center">The sum of any pending outgoing payments from your Vault. </td></tr><tr><td align="center">Available</td><td align="center"><code>Total</code> bitcoin in your Vault minus any <code>Pending withdrawals</code>.</td></tr><tr><td align="center">Pending deposits</td><td align="center">The sum of all bitcoin in your Vault currently in the process of being confirmed by the bitcoin network.</td></tr><tr><td align="center">Total</td><td align="center">The sum of your <code>Confirmed balance</code> and <code>Pending deposits</code> minus any <code>Pending withdrawals</code>.</td></tr></tbody></table>


# Deposit To Vault

You can deposit to your Bold Vault from your Bold Wallet or an outside wallet.&#x20;

### Depositing from Your Bold Wallet

1. Navigate to the [vault page](https://app.getbold.io/vault) within Bold.&#x20;
2. Click `Deposit`.

<figure><img src="/files/tKT2KUgmBCLtBgRvuayC" alt="" width="121"><figcaption></figcaption></figure>

3. Select `From my Bold Wallet` and enter the amount of bitcoin you want to send. Click `Continue`.

{% hint style="info" %}
You can only send bitcoin to your Bold Vault that has cleared any hold periods.
{% endhint %}

4. Click `Confirm`.
5. Find the details of a deposit by clicking onto a transaction in the `Latest transaction` table.&#x20;

### Depositing from an Outside Wallet

1. Navigate to the [vault page](https://app.getbold.io/vault) within Bold.
2. Click `Deposit`.

<figure><img src="/files/tKT2KUgmBCLtBgRvuayC" alt="" width="121"><figcaption></figcaption></figure>

3. Select `From outside wallet` and either:
   1. Scan the QR code, or
   2. Copy the on-chain address and paste it into the recipient address field of the wallet from which you are sending.&#x20;
4. Click `Continue`.
5. Bold will scan the bitcoin mempool for the transaction.&#x20;
6. Once the transaction is found in the mempool, the bitcoin balance will be reflected in your `Bold Vault`.&#x20;
   1. The bitcoin will be considered a `Pending deposit` in your `Bold Vault` until the transaction is confirmed on-chain.
7. Find the details of a deposit by clicking onto a transaction in the `Latest transaction` table.&#x20;


# Withdraw From Vault

### Withdraw to Bold Wallet

1. Navigate to the [vault page](https://app.getbold.io/vault) within Bold.&#x20;
2. Click `Withdraw`.

<figure><img src="/files/HR3aGKSUyehOwFnaDvRc" alt="" width="118"><figcaption></figcaption></figure>

3. Select `To my Bold Wallet`, enter how much bitcoin you want to withdraw, and select the priority of your transaction from `Low cost`, `Normal`, or `Fast`. Then click `Continue`.
   1. The options of `Low cost`, `Normal`, and `Fast` will have different transaction fees.&#x20;
4. Click `Confirm`.
5. Select the first key with which you will sign the transaction.
   1. In the image below `Cold Card 1` was selected.

<figure><img src="/files/RzZARr6y1sAmwm2q7qYO" alt="" width="375"><figcaption></figcaption></figure>

6. Select the `Manufacturer` of your first key, and follow the steps on your hardware wallet to confirm the transaction.&#x20;
   1. In this example with a `Coldcard`, click `Download PSBT` to continue.&#x20;
7. After you sign the transaction with your first key, that key will turn <mark style="color:green;">green</mark>. The signature was successful. Click `Continue` to repeat the signing process with your second key.&#x20;
8. Select the `Manufacturer` of your second key, and follow the steps on your hardware wallet to confirm the transaction.&#x20;
9. After you sign the transaction with your second key, you will see both of your keys lit up with the color <mark style="color:green;">green</mark>. Both signatures were successful. Click `Broadcast`.&#x20;
10. Your withdrawal has now been broadcasted to the bitcoin network.

<figure><img src="/files/vmXonigHxxdbyqhpOrp8" alt="" width="375"><figcaption></figcaption></figure>

11. Find the details of a withdrawal by clicking onto a transaction in the `Latest transaction` table.&#x20;

### Withdraw to Outside Wallet

1. Navigate to the [vault page](https://app.getbold.io/vault) within Bold.&#x20;
2. Click `Withdraw`.

<figure><img src="/files/HR3aGKSUyehOwFnaDvRc" alt="" width="118"><figcaption></figcaption></figure>

3. Select `To outside wallet`, and enter in the `Bitcoin address` to which you want to withdraw. Enter how much bitcoin you want to withdraw, and select the priority of your transaction from `Low cost`, `Normal`, or `Fast`.&#x20;
4. Click `Continue`.
   1. The options of `Low cost`, `Normal`, and `Fast` will have different costs for transaction fees.&#x20;

<figure><img src="/files/ortUbz7AQUwUU5EKebwm" alt="" width="375"><figcaption></figcaption></figure>

5. Select the first key with which you will sign the transaction.
   1. In the image below `Cold Card 1` was selected.

<figure><img src="/files/RzZARr6y1sAmwm2q7qYO" alt="" width="375"><figcaption></figcaption></figure>

6. Select the `Manufacturer` of your first key, and follow the steps on your hardware wallet to confirm the transaction.&#x20;
   1. In this example with a `Coldcard`, click `Download PSBT` to continue.&#x20;
7. After you sign the transaction with your first key, that key will turn <mark style="color:green;">green</mark>. The signature was successful. Click `Continue` to repeat the signing process with your second key.&#x20;
8. Select the `Manufacturer` of your second key, and follow the steps on your hardware wallet to confirm the transaction.&#x20;
9. After you sign the transaction with your second key, you will see both of your keys lit up with the color <mark style="color:green;">green</mark>. Both signatures were successful. Click `Broadcast`.&#x20;
10. Your withdrawal has now been broadcasted to the bitcoin network.

<figure><img src="/files/vmXonigHxxdbyqhpOrp8" alt="" width="375"><figcaption></figcaption></figure>

11. Find the details of a withdrawal by clicking onto a transaction in the `Latest transaction` table.&#x20;


# Key Replacement

### Key Replacement

1. Navigate to the [Vault page](https://app.getbold.io/vault) in your account.
2. Click `Settings`.

<figure><img src="/files/4JQEwsiheljUnkuE6Lkb" alt="" width="93"><figcaption></figcaption></figure>

3. You will see your `Vault's` name and the two connected hardware wallets that contain your two  keys. Click the `Edit icon`.

<figure><img src="/files/BPHsznS225G49cRcYNDh" alt="" width="375"><figcaption></figcaption></figure>

4. You will see the name of the key, the key address, and the option to replace your key. Click `Replace key`.
5. You will see the key you are going to replace. Click `Continue`.
6. A `Vault address warning` message reminds you that after you replace your key, you must never send bitcoin to any of the addresses you used in the past to send bitcoin to your Bold Vault. Click `I understand`.
7. Make sure you are using a supported browser or application and click `Next`.
8. Select the manufacturer of the of the replacement `Hardware wallet` and click `Connect wallet`.

<figure><img src="/files/2O6gouLLCIpOhjfqNoPL" alt="" width="375"><figcaption></figcaption></figure>

9. Follow the prompts on your hardware wallet to connect your replacement key to your `Vault`. After your new wallet is connected, name your new key and review the details. Then click `Register key`.

<figure><img src="/files/F2oVwIuWP9bg9y8naxmY" alt="" width="375"><figcaption></figcaption></figure>

10. Confirm the details of your `Old key` and the `New key`. Then click `Confirm`.&#x20;
11. Download your `New key backup file` and click `Continue`.&#x20;

{% hint style="warning" %}
**Save your backup file somewhere safe**, where you will never lose it.
{% endhint %}

12. Your key replacement is now complete.

<figure><img src="/files/opFbKnl1jyygcAxtggPT" alt="" width="375"><figcaption></figcaption></figure>

{% hint style="danger" %}
Do not reuse vault addresses from before the key replacement. Doing so will result in loss of funds.&#x20;
{% endhint %}


# Vault Backup

### The Vault Backup

The vault backup is a file that has information needed for sovereign recovery. Sovereign recovery refers to the process of independently regaining control over your funds or assets without relying on a third-party or service provider such as Bold.

The `Backup file` is a package of files that provides you with the means to regain control over your funds in the case that Bold ceases operations or becomes inaccessible. By following the instructions in the `Vault backup`, you can use one of the supported open source wallets to track and withdraw funds without relying on Bold’s web application.

### Download Vault Backup

{% hint style="info" %}
You will have automatically downloaded your vault backup when setting up your vault.&#x20;
{% endhint %}

1. Navigate to the `Bold Vault`.&#x20;
2. &#x20;Click `Settings`.&#x20;

<figure><img src="/files/4JQEwsiheljUnkuE6Lkb" alt="" width="93"><figcaption></figcaption></figure>

3. Click `Download vault backup file`.

### Supported Multisig Coordinators for Sovereign Recovery

* Bold supports `Sparrow`, `Specter`, and `Electrum` as open source multisig wallet managers.&#x20;
* An overview of each multisig wallet manager is provided in the table below.

<table><thead><tr><th width="129.44140625" align="center">Wallet name</th><th width="244.44140625" align="center">Notes</th><th width="173.76171875" align="center">Download Link</th></tr></thead><tbody><tr><td align="center">Sparrow</td><td align="center">Ideal for beginners, easy to use and navigate.</td><td align="center"><a href="https://sparrowwallet.com/download/">Download Sparrow</a></td></tr><tr><td align="center">Specter</td><td align="center">Designed for experienced users with advanced features.</td><td align="center"><a href="https://specter.solutions/downloads/">Download Specter</a></td></tr><tr><td align="center">Electrum</td><td align="center">Best for advanced users, highly customizable.</td><td align="center"><a href="https://electrum.org/#download">Download Electrum</a></td></tr></tbody></table>

* The table below summarizes the differences between Full and Watch-only wallets for each of the three multisig wallet managers.&#x20;
  * A `Watch-only` wallet for bitcoin is a type of wallet that allows you to keep track of the balance and transactions of your Bold Vault without having the ability to spend or transfer the bitcoin from that address.

<table><thead><tr><th width="133.78515625" align="center">Wallet name</th><th width="117.984375" align="center">Capability</th><th width="288" align="center">Setup Process</th></tr></thead><tbody><tr><td align="center">Sparrow</td><td align="center">Full</td><td align="center">Ultra-quick and recommended</td></tr><tr><td align="center">Specter</td><td align="center">Watch-only</td><td align="center">Quick and hassle-free</td></tr><tr><td align="center">Specter</td><td align="center">Full</td><td align="center">Advanced setup required</td></tr><tr><td align="center">Electrum</td><td align="center">Watch-only</td><td align="center">Quick and straightforward</td></tr><tr><td align="center">Electrum</td><td align="center">Full</td><td align="center">Advanced setup required</td></tr></tbody></table>

### Steps to Recover My Bold Vault Using My Backup File

Your `Backup file` is downloaded as a zipped folder to your computer. Within the folder there are multiple documents that will assist you in recovering your Bold Vault:

* There is a `Sovereign recovery of your Bold Vault` document that provides general information and guidance as well as information on `Sparrow`, `Specter`, and `Electrum`.&#x20;
* There is a `.txt file` that includes information specific to your vault.
* For `Sparrow`, `Specter`, and `Electrum`, there are instructions included in the `Backup file` as well as the required files specific to your vault that you need in order to use these wallet options.&#x20;

Below are the steps to recover your Bold vault using your backup file on Sparrow:

1. Open Sparrow app.
2. Go to `File menu` then click `Import wallet`**.**
3. In the menu, find `Output descriptor` and click `Import file…`**.**
4. Navigate to the backup folder you downloaded. Select `Sparrow` then the `Sparrow.txt` file.
5. Enter a name for this wallet.
6. Optionally, choose a `Password` for your wallet and `Continue`**.**
7. `Sparrow` will create and load your wallet. You should now be able to create transactions and track funds using this wallet.

{% hint style="info" %}
There are guides included in your backup file download folder for Sparrow, Specter, and Electrum.
{% endhint %}


# Bold Rewards

Bold is currently offering the following reward system:&#x20;

* New users receive $25 in bitcoin after purchasing $100 or more.&#x20;
* Fees that are paid on your first $10,000 in buys are automatically sent to your rewards page.
* For every new user you refer that signs up and funds their account, you receive $5 worth of bitcoin.&#x20;

Additionally, using the Bold Debit Card ensures you earn more rewards the more bitcoin you buy with Bold. Bold has built a system of `Tiers` that helps maximize your reward potential by using the card.&#x20;

### Rewards Page Overview

From the [reward page](https://app.getbold.io/rewards) you can see your current balance in sats and dollars. You can see your reward `Tier level` and how far away you are from the `Next tier`. You can also see a `Latest transactions` tracker that shows where all of your bitcoin rewards have come from.&#x20;

### Debit Card Rewards

Buying bitcoin with Bold increases the reward tier your card operates in. The higher reward tier, the more bitcoin you earn back on purchases.&#x20;

* Your current tier and the next tier will be visibly shown on the Reward homepage.

<figure><img src="/files/2UMxqu0ifhnsTGpsXfK3" alt="" width="300"><figcaption></figcaption></figure>

* To view the details of your current tier, click `Details`.

<figure><img src="/files/3awMoVsIqNGYHJVLU7ih" alt="" width="375"><figcaption></figcaption></figure>

* You will see all of the information about your current tier. You will also be able to buy the amount of bitcoin needed to reach your next tier.
  * If you click the button prompting you to unlock the next tier, you will initiate a `Buy` that will fulfill your requirement to unlock the next tier.&#x20;
    * You can also click `Unlock tier 1` from the rewards home page to immediately initiate a buy to take you to your next tier.

{% hint style="info" %}
Tier 1 is the next tier for the example account used in the image above, this will be account specific.&#x20;
{% endhint %}

* If you click `Explore all tiers` you will see a running list of all the tiers Bold offers. Additionally, you will be able to select any of these and buy enough bitcoin to reach any of these levels.&#x20;

The chart below shows a breakdown of each tier:&#x20;

<table><thead><tr><th width="183.52734375" align="center">Rewards Tier </th><th width="262.06640625" align="center">BTC Buy Volume - 365 day rolling</th><th width="221.6953125" align="center">Card BTC Back Rewards %</th></tr></thead><tbody><tr><td align="center">Tier 0</td><td align="center">$0</td><td align="center">0.25% on up to $5,000 of card spend</td></tr><tr><td align="center">Tier 1</td><td align="center">$100</td><td align="center">1.00% on up to $6,000 of card spend</td></tr><tr><td align="center">Tier 2</td><td align="center">$250</td><td align="center">1.50% on up to $7,000 of card spend</td></tr><tr><td align="center">Tier 3</td><td align="center">$500</td><td align="center">2.00% on up to $8,000 of card spend</td></tr><tr><td align="center">Tier 4</td><td align="center">$1,000</td><td align="center">2.50% on up to $9,000 of card spend</td></tr><tr><td align="center">Tier 5</td><td align="center">$2,500</td><td align="center">3.00% on up to $10,000 of card spend</td></tr><tr><td align="center">Tier 6</td><td align="center">$5,000</td><td align="center">3.50% on up to $12,000 of card spend</td></tr><tr><td align="center">Tier 7</td><td align="center">$10,000</td><td align="center">4.00% on up to $15,000 of card spend</td></tr><tr><td align="center">Tier 8</td><td align="center">$25,000</td><td align="center">4.50% on up to $18,000 of card spend</td></tr><tr><td align="center">Tier 9</td><td align="center">$50,000</td><td align="center">5.00% on up to $21,000 of card spend</td></tr><tr><td align="center">Tier 10</td><td align="center">$100,000</td><td align="center">5.50% on up to $24,000 of card spend</td></tr><tr><td align="center">Tier 11</td><td align="center">$250,000</td><td align="center">6.00% on up to $27,000 of card spend</td></tr><tr><td align="center">Tier 12</td><td align="center">$500,000</td><td align="center">8.00% on up to $32,000 of card spend</td></tr><tr><td align="center">Tier 13</td><td align="center">$1,000,000</td><td align="center">10.00% on up to $40,000 of card spend</td></tr></tbody></table>

{% hint style="info" %}

1. Rewards apply to a 365-day rolling spend limit across all your bold cards. When you upgrade tiers your spend limit increases.
2. When the spend limit is exhausted the default bitcoin-back rate of 0.25% is applied on your card spending.
3. Card rewards have a 90 day hold period.&#x20;
   {% endhint %}

### Getting your Unique Referral code

1. Navigate to the [Rewards](https://app.getbold.io/rewards) page.
2. Click `Invite friends earn sats` to see your unique referral link.&#x20;

<figure><img src="/files/x9T9JxtM1q1bmjiW8dWM" alt="" width="164"><figcaption></figcaption></figure>

3. When your referral link is generated you can either:

* Copy it
* Send via Telegram
* Send via X
* Send via Text
* Type in an email address and click "Send invites" to automatically send

### Redeeming Rewards

To redeem your rewards your account must satisfy the minimum requirements of:

* Successfully verify your identification for your account.
* Purchase $100 or more bitcoin on your Bold account.

1. Click `Redeem`.

<figure><img src="/files/IYYTwYCNBMUvNo7U4van" alt="" width="164"><figcaption></figcaption></figure>

2. Enter in how many sats you wish to redeem and click `Review`.
3. Click `Send`.

<figure><img src="/files/Muv4m5g1RNfgw7wvbXF1" alt="" width="375"><figcaption></figcaption></figure>

4. Your reward redemption will be successfully submitted.&#x20;

{% hint style="info" %}
Non-card rewards have a 30 day hold period.&#x20;
{% endhint %}


# Account Settings

1. &#x20;To navigate to your `Account settings`, from any page in Bold, click the `Account` button at the top right of any screen:

<figure><img src="/files/0271O6mHRmo4TNIuv2M4" alt=""><figcaption></figcaption></figure>

2. Click your `Name`.
3. From your Account Settings `General` tab you can:&#x20;

* Change your password
* Enable or disable Two factor authentication

{% hint style="info" %}
Two factor authentication will already be enabled if you have verified your account
{% endhint %}

* Change the phone number associated with your account
* Change the email address associated with your account
* Change the legal residence associated with your account


# Account Holds

### Holds

* All holds are dynamically set based on a risk assessment.

* You view the hold periods for your Bold account on the `Limits` tab of your account. To navigate to this tab go to your `Account settings` then click `Limits` .

* The example below shows two bitcoin buys and one sell. The funds generated from the sale are not available until both deposits (from the Bitcoin buys) mature. Funds would not be available until Bitcoin Buy B matures on October, 14th.&#x20;

<figure><img src="/files/98Ujt4UKwkgxYtKWnzbS" alt=""><figcaption></figcaption></figure>

* The example below shows a cash deposit and a bitcoin buy. The bitcoin bought will have a hold on it until the funds used in the purchase mature. The bitcoin will mature 5 business days after Cash Deposit A occurred.&#x20;

<figure><img src="/files/Im60y5u5i5CzMGs2IgSD" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
Funds on Hold can be traded but not withdrawn
{% endhint %}

### Reward Holds

* Accounts must buy $100 of bitcoin to redeem rewards.
* Non-card rewards have a 30 day hold period.&#x20;
* Card rewards have a 90 day hold period.&#x20;


# Account Limits

### Transfer Limits

* There are no transfer limits for instant, standard transfers (3-5 business days), or external transfers.&#x20;
* You can view your transfer limits by going to your `Account settings` and going to the `Limits` tab.&#x20;

### Spend Limits

* Your Bold Card is a debit card and you will only be able to purchase up to the amount currently in your checking account.&#x20;

### Buy and Sell Limits

* Limits are set dynamically and adjust in real time.&#x20;
  * The typical limits are $10,000 day for both buys and sells.
* If you have more than the daily buy/sell limit in your `Checking account`, you will be limited to buying and selling the daily limit unless you use [`Brokerage mode`](/checking-account/brokerage-account).&#x20;
  * Brokerage mode is required for purchases over $15,000.&#x20;


# Holds on Card Spending

### Why Can’t I Spend on my Card?

The Bold card allows you to spend funds from your [`Available balance`](/checking-account/balance-breakdown). All holds are dynamically set based on a risk assessment. If you have a hold on one of your deposits, you will need to wait for the [`hold`](/general/account-holds) to lapse before you can spend those funds with your Bold card.

### How to Add Funds that Won't Have a Hold

<table><thead><tr><th width="133.94921875" align="center">Option</th><th width="119.54296875" align="center">Hold Time</th><th width="112.1328125" align="center">Price</th><th width="202.84765625" align="center">Additional Information</th></tr></thead><tbody><tr><td align="center">Link a different bank account</td><td align="center">Potentially instant</td><td align="center">Free</td><td align="center">Hold period will depend on the risk score of the new bank.</td></tr><tr><td align="center">Send bitcoin into your account and sell the bitcoin</td><td align="center">Instant</td><td align="center">On-chain send fees + <a href="/pages/oKl2adkxeh8sQ6oK6sti#fees-for-buying-and-selling-bitcoin">sell fees</a></td><td align="center">The dollars will be instantly spendable on your card as soon as the bitcoin sell order settles.</td></tr><tr><td align="center">Wire transfer</td><td align="center">0 to 2 business days</td><td align="center">Free to receive although external banks may charge fees</td><td align="center">Once the wire is received, funds will be free to spend. </td></tr><tr><td align="center">Receive money from friend or family</td><td align="center">0 to 5 business days</td><td align="center">Free to receive although external banks may charge fees</td><td align="center"><p></p><p>Friends, family, and associates can send an ACH or wire transfer to your Bold account.</p></td></tr><tr><td align="center">Deposit more funds via ACH push into Bold account</td><td align="center">3 to 10 business days</td><td align="center">Free</td><td align="center">Log into your external bank account and send an ACH transfer into your Bold account. You may first need to add your Bold account as a payee. </td></tr><tr><td align="center">Resolve any issues with your currently linked bank account</td><td align="center">5 to 10 business days</td><td align="center">Free</td><td align="center"><p></p><p>Issues that increase transaction risk score include:</p><p>Having insufficient funds (NSF) transactions on your linked account, carrying a negative balance, reversed transactions on the account, account is too young, the account has atypical usage patterns. Once issues are resolved, the risk score will recalibrate in 5 to 10 days. </p></td></tr></tbody></table>


# Bold Card Limited Use

There are restrictions on where the Bold Card can be used for spending. Transactions at the following types of merchants are not allowed:&#x20;

* Money transfers (P2P & Cryptocurrency) and including wire transfers&#x20;
* Financial institutions: Banks and ATMs for manual cash disbursements (in person cash payouts), credit unions, mortgage companies, loan payments, merchandise, services, and debt repayments&#x20;
* Non-financial institutions: Account funding at non-financial institutions, foreign currency, liquid and cryptocurrency assets, money orders, account funding, lease payments, loan payments, travelers cheques, and debt repayment&#x20;
* Betting: including, lottery tickets, casino gaming chips, off-track betting, wagers, wagers at race tracks, and games of chance to win prizes of monetary value


# Tax Reporting

Users can generate a tax report with a start date and end date of their choosing within Bold.&#x20;

1. To navigate to your tax reporting homepage click the `Account` button at the top right of your screen.

<figure><img src="/files/0271O6mHRmo4TNIuv2M4" alt=""><figcaption></figcaption></figure>

2. Click your `Name` to take you to your account settings.&#x20;
3. Click `Taxes`.
4. From the `Taxes` homepage you can generate a tax report based on the dates of your choosing. You can also choose the format for your tax report from:&#x20;

* Bold CSV
* TurboTax CSV
* CoinTracker CSV
* CoinLedger CSV

<figure><img src="/files/mKOSA7D7OcFQs2BRgdsb" alt=""><figcaption></figcaption></figure>

### Generate Your Tax Report

1. From the `Taxes` homepage, enter in the `Start date` and `End dates` you want the report to cover.&#x20;

<figure><img src="/files/U23S2H1OGEswcmCeu45d" alt="" width="300"><figcaption></figcaption></figure>

2. Choose which format you want the report.
3. Click `Generate report`.
4. Your report will be generated and you will be able to download it.&#x20;
   1. All tax reports you generate will be stored on the `Taxes` page of your Bold account.

<figure><img src="/files/UCW1rGsHvddW4eOnibVT" alt=""><figcaption></figcaption></figure>

### How Rewards are Taxed

* When your account is eligible to redeem your rewards is when rewards are considered for taxes. An account is eligible to redeem their rewards after they have purchased $100 or more of Bitcoin on their Bold accounts.&#x20;


# Pricing and Custody Options

Bold has the lowest fees in the industry for buying and selling bitcoin.&#x20;

### Fees for Buying and Selling Bitcoin

|       Tier      |    Floor   |   Ceiling   |               Bold Fee Rate              |
| :-------------: | :--------: | :---------: | :--------------------------------------: |
|    Up to $250   |     $0     |     $250    |                   0.98%                  |
| >$250 to $2,000 |    $251    |    $2,000   |                   0.94%                  |
| >$5,000 to $50k |   $5,001   |   $50,000   |                   0.88%                  |
|  >$50k to $250k |   $50,001  |   $250,000  |                   0.78%                  |
|  >$250k to $1M  |            |  $1,000,000 |                   0.65%                  |
|   >$1M to $5M   | $1,000,001 |  5,000,000  |                   0.58%                  |
|   >$5M to $15M  | $5,000,001 | $15,000,000 |                   0.39%                  |
|      >$15M      | 15,000,001 |             | Contact <support@getbold.io> for pricing |

{% hint style="info" %}
Fees are applied on a per trade basis&#x20;
{% endhint %}

### Custody Options

There are 2 custody options for the Bold Wallet:

<table><thead><tr><th width="164.32421875" align="center">Custody Type</th><th width="148.06640625" align="center">Fees</th><th align="center">Important info:</th></tr></thead><tbody><tr><td align="center">Insured custody via SFox SAFE Trust</td><td align="center">Table below</td><td align="center">This is the default type of custody for the Bold Wallet. SAFE Trust Custody is Lloyds of London insured. </td></tr><tr><td align="center">Standard Custody</td><td align="center">Free for any amount of bitcoin</td><td align="center">The custodian is sFox, inc. This option is uninsured. </td></tr></tbody></table>

{% hint style="info" %}
Email <support@getbold.io> to change your custody arrangement.
{% endhint %}

Click below for full custody agreements:

* sFox [terms of service](https://www.sfox.com/terms/)
* sFox [authorization agreement](https://www.sfox.com/connect-authorization/)
* sFox [SAFE custodial services agreement ](https://www.sfox.com/terms/safe-custodial-services-agreement/)

### SAFE Trust Custody Fees

<table><thead><tr><th width="85.21875" align="center">Tier</th><th width="239.1640625" align="center">Assets Under Custody (AUC)</th><th align="center">Monthly Fee</th></tr></thead><tbody><tr><td align="center">1</td><td align="center"> &#x3C; $250,000</td><td align="center">0</td></tr><tr><td align="center">2</td><td align="center"> > $250,000</td><td align="center">$500</td></tr><tr><td align="center">3</td><td align="center"> > $5,000,000</td><td align="center">$2,000</td></tr><tr><td align="center">4</td><td align="center"> > $10,000,000</td><td align="center">$7,500</td></tr><tr><td align="center">5</td><td align="center"> > $50,000,000</td><td align="center">$12,500</td></tr><tr><td align="center">6</td><td align="center"> > $100,000,000</td><td align="center">$15,000</td></tr><tr><td align="center">7</td><td align="center"> > $250,000,000</td><td align="center">$25,000</td></tr><tr><td align="center">8</td><td align="center"> > $500,000,000</td><td align="center">$30,000</td></tr></tbody></table>

* The AUC is the monthly average of the daily USD value of a portfolio. This is calculated daily. SAFE calculates the average of these values at the end of the month to determine the monthly fee.&#x20;
  * The AUC includes bitcoin stored in the Bold Wallet and the value of any USD stored in the [Brokerage Account](/checking-account/brokerage-account).

### Bold Vault Fees&#x20;

$0 monthly fee to use the Bold Vault.

* $10 signing fee for vault withdraws where Bold signs.

### Bold Debit Card Fees

* $0 annual fee for having and using the card.


# Minimum Buy and Sell

### Minimum Buy Size

* The minimum bitcoin purchase on Bold is $5 worth of bitcoin.&#x20;

### Minimum Sell Size

* The minimum sell size on Bold is 0.0001 bitcoin.&#x20;


# Bold Home Screen Shortcut

You can save the Bold website to your phone home screen so that you can easily navigate to your account.&#x20;

### iPhone

1. Go to `Safari`
2. Go to `https://getbold.io`
3. Click the share icon

<figure><img src="/files/ayR7c9NFV7drbjXajH1A" alt="" width="106"><figcaption></figcaption></figure>

4. Click `Add to home screen`&#x20;
5. Label the link as `Bold` and click `Add`
6. Bold is now on your home screen

<figure><img src="/files/2tegtD12uYJq4EoktXAB" alt="" width="188"><figcaption></figcaption></figure>

### Android

1. Go to `Google Chrome`
2. Go to `https://getbold.io`
3. Click the three dot menu
4. Click `Add to home screen`&#x20;
5. Label the link as `Bold` and click `Add`
6. Bold is now on your home screen