Funding from abroad

If you live outside Iran, money reaches your account and leaves it the same way it does for everyone: USDT on the Tron network (TRC-20). Money Harbor has no card, no bank transfer and no payment gateway; the bridge between your local currency and your account is a crypto exchange in your own country.

What you need

• An account at an exchange or wallet that supports USDT on the Tron network (TRC-20). Most large international exchanges — Binance, OKX, Bybit and KuCoin, for example — do. Money Harbor has no partnership with any of them, and each has its own rules about who may use it in which country.
• Full identity verification at Money Harbor, if you want to withdraw later. Best done before your first deposit. Residents abroad send a passport or residence permit and a proof of residence instead of an Iranian national card — see the FAQ.

Funding your account

1. On your exchange, buy USDT with your local currency (euros, dollars, lira…).
2. At Money Harbor, open Deposit and copy your account's dedicated address. It stays yours.
3. On the exchange, choose Withdraw USDT, pick the TRC20 or Tron (TRX) network, paste the address and enter the amount. The exchange deducts its own withdrawal fee.
4. After 20 network confirmations — usually a few minutes — it is in your balance. Deposits into Money Harbor are free.

Send a small amount the first time, and the rest once it arrives.

Cashing out to your local currency

1. On your exchange, choose Deposit USDT, pick TRC20, and copy the exchange's deposit address.
2. At Money Harbor, open Withdraw and enter that address and the amount. The withdrawal fee is at most 2.70 USDT, and you see the exact figure before you confirm — see Fees.
3. USDT withdrawals are usually automatic and take a few minutes; some are set aside for review and take some hours.
4. Once the USDT reaches the exchange, sell it for your local currency and withdraw to your own bank account.

Receiving money from family or others

• From another Money Harbor customer: to your Harbor ID, instantly and free.
• From someone without a Money Harbor account: create a payment link under "Account" and send it to them. The link has its own Tron address; they pay USDT or TRX from any exchange or wallet with no account, and you are told when it arrives. Your main deposit address stays private.

Three safety points

• Always the Tron network (TRC-20). USDT sent on another network, such as ERC-20 or BEP-20, does not reach your balance.
• Take the address only from your own Deposit page. Money Harbor will never ask you — in chat, email or on the phone — to send money to any other address.
• Your own country's law and tax. Money Harbor works for you according to the country you live in and that country's laws, and tax follows the same law — see section 2 of the Terms.