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Answers to common questions
Click "Register", enter your email and a strong password. A verification code is emailed to you — your account is not complete until you enter it. If the code does not arrive, check your spam folder, then tell us.
Yes. In identity verification, first choose the country you live in, then passport or residence permit as the document type. With either, the Iranian national ID is optional — enter it if you have one. If you send an Iranian national card instead, its number is required, since it is on the card.
A proof of residence is also required: a residence permit, a valid visa, or a utility bill or bank statement in your name showing your address there. You do not need an Iranian phone number.
Deposits and withdrawals are in USDT on the Tron network and work from any country. Step by step — funding from an international exchange and cashing out to your local currency — is in the guide to funding and cashing out from abroad.
Money Harbor works for you according to the country you live in and that country's laws — see section 2 of the Terms.
Money Harbor works for each customer according to the country they live in and that country's laws. That country is recorded during identity verification, with a document.
The account, USDT deposits and withdrawals, transfers by Harbor ID and statements are the same for everyone. Some services are open only to residents of certain countries; if one is not open in yours, its page tells you so.
If your country's law prohibits or restricts a service like this, staying within it is your responsibility. Details in section 2 of the Terms.
Tax follows the law of the country you live in. If your country taxes balances, trading gains or money you receive, declaring and paying it is your responsibility. Money Harbor does not withhold tax on your behalf.
For your return, take the monthly statement from "Reports": every transaction is on it, dated in your own time zone. If you are unsure what is taxable, ask a tax adviser in your country.
Take your account's dedicated address from the "Deposit" page and send USDT or TRX on the Tron network — TRC-20 to it. The address is issued once and stays yours. It is credited after 20 network confirmations, usually a few minutes. Deposits are free.
No USDT yet? Buy it on a crypto exchange where you have an account, and when you withdraw from that exchange choose the Tron (TRC-20) network and give your Money Harbor deposit address. Soon you will be able to pay in rial at Saya Pay (saya-pay.com) and receive the USDT straight into your Money Harbor account; until then, sending USDT is the way in. Living abroad? See Funding from abroad.
Money Harbor itself has no bank transfer, no card and no local payment gateway.
Know this before you deposit: withdrawing this money later requires full identity verification. Verify first, then deposit.
Create a payment link under "Account" — with a fixed amount or without — and send it. Every USDT or TRX link has its own Tron address. Whoever pays needs no account: they send on the Tron network (TRC-20) to that address from any exchange or wallet.
After 20 network confirmations it is in your balance, you are told, and it is withdrawable like any other deposit. Your main deposit address is never shown to the payer. If you delete the link, its address stays yours and a late payment is not lost.
An on-chain payment cannot be reversed; if a wrong amount is sent, settling it is between you and the payer.
The money is lost and cannot be recovered. We say this plainly because it is the most damaging mistake you can make.
Only USDT or TRX, only on the Tron network (TRC-20). Bitcoin, Ethereum, or USDT on BEP20 or ERC20 will not reach your balance and we have no way to return it — that is a limitation of the blockchain itself, not our policy.
Before sending, make sure the network in your wallet or exchange is set to TRON (TRC20).
Before you can withdraw, your email must be verified and your identity verification completed (Dashboard → Verify). Documents are reviewed by hand, so it is best done before you deposit.
On the "Withdraw" page, enter a Tron destination address and an amount. The fee and the net you will receive are shown before you confirm.
USDT withdrawals are usually automatic and paid within minutes, from a small hot float with a ceiling. The timing is not guaranteed: if the float is short the withdrawal waits for the next deposit, and one that hits a monitoring finding or passes the daily brake is reviewed by a person and paid from the cold wallet, which takes some hours.
Check the destination address twice. An on-chain transaction is irreversible.
The withdrawal fee is not our margin; it is the real Tron network cost. Details on the Fees page.
Deposits: after 20 network confirmations, usually a few minutes. A transaction seen in a block is not yet final, and we wait until it is.
Withdrawals: USDT usually a few minutes — automatic, from the hot float. If the float is short it waits for the next deposit, and one that hits a monitoring finding or passes the daily brake is reviewed by a person and paid from the cold wallet, which takes some hours.
Profit from trading deposited money, and real TRX staking rewards, can be withdrawn; nothing else can.
The withdrawal page shows what you can withdraw and any profit waiting in line, separately. We would rather you knew this now than at the moment you try to withdraw.
Verification meets legal obligations and prevents fraud and money laundering, and it raises your limits:
So in practice, full identity verification is the way to raise your limits right now.
A verified identity is also required to be issued a Harbor ID — the handle you give people so they can pay you.
Honestly: Money Harbor is not a bank, holds no banking licence, and no deposit-protection scheme covers your money.
What is true:
And your part: a strong and unique password — not one you use elsewhere. We will never ask you for it.
Trade gives you an advanced chart and limit orders. Convert moves you between two assets in a few clicks. Both cost 2%.
Both happen inside Money Harbor, and Money Harbor is the other side of your trade — no coin is bought in your name on another exchange, and you do not come to own the actual share. With deposited money, BTC, ETH, SOL, XRP, ADA, DOGE, BNB, gold and eight US shares (shares only while the US market is open) trade at the best live market price and the profit can be withdrawn; silver and TRX cannot be bought with real money. Details on the About page.
Yes — with deposited money, eight US shares (AAPL, MSFT, NVDA, GOOGL, AMZN, TSLA, META, NFLX).
Instant, free transfers to any Harbor ID, savings vaults, money requests, standing orders, pay links and budgets.
The cards you see there are a way to structure your spending inside the account, not real bank cards. Money Harbor does not issue Visa or Mastercard and does not provide a physical card for shop purchases.
On the sign-in page choose "Forgot password" and follow the steps emailed to you. Changing your password signs you out of every device. If you have lost access to your email, tell us through support chat.
Use the support chat button in the corner of the page, or email info@moneyharbor.net. We read and answer every message; Money Harbor is a small team, so the reply may not be instant.