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What are Pre-Funded Accounts?

Pre-funded accounts are balance accounts that allow you to maintain liquidity with KillB for instant transaction execution. Instead of waiting for user payments, transactions execute immediately from your pre-deposited funds.
Pre-funding is ideal for businesses with high transaction volumes who need instant settlements and better rates.

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How It Works

1

Create Pre-Fund Account

Request a dedicated wallet or account from KillB
POST /api/v2/customers/pre-fund/create
2

Deposit Funds

Transfer USDC/USDT to your dedicated pre-fund addressSupported Networks:
  • Polygon
  • Ethereum
  • Arbitrum
  • Base
3

Use in Transactions

Specify pre-fund method when creating quotations
{
  "fromCurrency": "USDC",
  "toCurrency": "COP",
  "amount": 1000,
  "cashInMethod": "PRE_FUND_POLYGON",
  "cashOutMethod": "PSE"
}
4

Instant Execution

Transactions execute immediately without waiting for payment⚡ Funds deducted from your balance instantly

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Pre-Fund Methods

MethodAssetNetworkDescription
PRE_FUND_POLYGONUSDC/USDTPolygonLowest fees
PRE_FUND_ETHEREUMUSDC/USDTEthereumMost common
PRE_FUND_ARBITRUMUSDC/USDTArbitrumLow fees
PRE_FUND_BASEUSDC/USDTBaseNew, low fees
PRE_FUND_SOLANAUSDCSolanaFast, cheap
Recommended: Use PRE_FUND_POLYGON for the lowest network fees and fastest processing.

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Benefits

Instant Execution

No waiting for user payments - transactions execute immediately

Better Rates

Volume-based pricing with preferential exchange rates

Simplified Flow

Skip payment collection step - direct execution

Predictable Settlement

Know exactly when transactions will complete

Bulk Operations

Process high volumes efficiently

Easy Reconciliation

Single balance to track across all transactions

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Use Cases

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High-Volume Businesses

Scenario: Crypto exchange needs to process 1000+ off-ramps dailyWithout Pre-Fund:
  • Wait for each user to send crypto
  • Monitor 1000+ individual deposits
  • Complex reconciliation
With Pre-Fund:
  • Maintain liquidity pool
  • Execute all transactions instantly
  • Simple balance tracking

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Setting Up Pre-Funding

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Step 1: Request Pre-Fund Account

Contact KillB to enable pre-funding: 
POST /api/v2/customers/pre-fund/create
Content-Type: application/json
Authorization: Bearer YOUR_TOKEN

{
  "currency": "USDC",
  "network": "POLYGON"
}
Response: 
{
  "preFundAccountId": "pf-abc123",
  "depositAddress": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
  "network": "POLYGON",
  "currency": "USDC",
  "status": "ACTIVE"
}

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Step 2: Deposit Initial Funds

Send USDC/USDT to the provided deposit address: 
# Minimum initial deposit: $10,000 USD equivalent
# Recommended: $50,000+ for optimal operations
Always send to the correct network! Sending to wrong network = lost funds.

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Step 3: Monitor Balance

Check your pre-fund balance: 
GET /api/v2/customers/balances
Response: 
{
  "balances": [
    {
      "currency": "USDC",
      "network": "POLYGON",
      "available": "50000.00",
      "pending": "5000.00",
      "total": "55000.00"
    }
  ]
}

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Step 4: Use in Transactions

Create quotations using pre-fund method: 
{
  "fromCurrency": "USDC",
  "toCurrency": "COP",
  "amount": 1000,
  "amountIsToCurrency": false,
  "cashInMethod": "PRE_FUND_POLYGON",
  "cashOutMethod": "PSE"
}

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Balance Management

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Checking Balance

GET /api/v2/customers/balances

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Top-Up Balance

Send additional USDC/USDT to your deposit address anytime.

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Low Balance Alerts

Set up webhooks to receive alerts when balance is low: 
{
  "event": "balance.low",
  "data": {
    "currency": "USDC",
    "network": "POLYGON",
    "balance": "5000.00",
    "threshold": "10000.00"
  }
}
Set up low balance alerts to avoid transaction failures due to insufficient funds.

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Transaction Flow with Pre-Fund

1

Create Quotation

Specify PRE_FUND_* as cashInMethod
{
  "cashInMethod": "PRE_FUND_POLYGON",
  "fromCurrency": "USDC",
  "toCurrency": "COP",
  "amount": 1000
}
2

Create Ramp

Use quotation to create ramp
{
  "quotationId": "quot-abc123",
  "userId": "user-123",
  "accountId": "acc-456"
}
3

Instant Execution

✅ Funds immediately deducted from pre-fund balance✅ Transaction processes without waiting✅ Fiat sent to user’s bank account
4

Balance Updated

Your balance decreases by transaction amount + fees

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Pricing & Fees

Pre-funded accounts receive preferential pricing:
Transaction Volume (Monthly)Fee DiscountExchange Rate Improvement
100K−100K - 500K0.1% reductionStandard rate
500K−500K - 1M0.2% reduction0.05% better
1M−1M - 5M0.3% reduction0.10% better
$5M+Custom pricing0.15%+ better
Contact [email protected] for enterprise volume pricing.

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Reconciliation

Pre-funded accounts simplify reconciliation:

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Daily Reconciliation

GET /api/v2/customers/transactions?startDate=2025-01-08&endDate=2025-01-08
Track:
  • Opening balance
  • Deposits (top-ups)
  • Transactions executed
  • Fees charged
  • Closing balance

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Monthly Statements

Download monthly statements showing:
  • All transactions
  • Fee breakdown
  • Balance history
  • Tax information

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Security

Segregated Accounts

Your balance is held in segregated accounts

Audit Trail

Complete transaction history

Access Controls

API key permissions for balance access

Webhook Notifications

Real-time balance and transaction alerts

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Liquidity Management

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Optimal Balance

Recommended balance: 
Daily Volume × 3 days = Optimal Balance

Example:
- Daily volume: $50,000
- Recommended: $150,000 balance
This ensures:
  • 3 days of operations
  • Buffer for volume spikes
  • No transaction failures

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Auto Top-Up

Set up automatic top-ups when balance drops: 
{
  "autoTopUp": {
    "enabled": true,
    "threshold": "50000.00",
    "topUpAmount": "100000.00",
    "sourceAccount": "your-exchange-account"
  }
}

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Best Practices

  • Keep 3-5 days of operating capital
  • Set low balance alerts
  • Monitor balance daily
  • Plan for volume spikes
  • Polygon recommended (lowest fees)
  • Match network in quotations
  • Verify deposit address
  • Test with small amount first
  • Check balance daily
  • Review transaction logs
  • Reconcile regularly
  • Set up webhooks
  • Volume discounts available
  • Better rates with pre-fund
  • Negotiate custom pricing
  • Track savings vs. regular pricing

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FAQs

Minimum initial deposit is typically $10,000 USD equivalent. Recommended balance depends on your transaction volume.
Yes, contact support to request withdrawals. Processing typically takes 1-3 business days.
Transactions will fail if insufficient balance. Set up low balance alerts to prevent this.
No holding fees. You only pay transaction fees when executing ramps.
Yes, maintain separate balances for USDC and USDT if needed.

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Next Steps

Contact Sales

Get started with pre-funding for your business

Liquidity API

View liquidity management endpoints

Balance API

Check and manage your balances

Pre-Fund Guide

Complete implementation guide