§II.V — Pay Advance · Prop Firm Payouts

Your payout.
In 5 seconds.
Not 5 days.

When your prop firm initiates a wire, Denaro Pay advances the USDC immediately. 2% advance fee. The wire arrives 3 to 5 days later and we collect from it. Zero default risk for you.

Start advancing →
Settlement time
5s
Advance fee
2%
Default risk
Zero
Wire wait
Skipped
§I
How it works
Step by step

The advance lifecycle.

When a payout is approved by your prop firm but not yet wired, Denaro Pay advances the net amount. The wire is collected on arrival 3 to 5 days later. No risk to you at any point.

Pay Advance · April 15, 2026Funded Next
+$2,116.80
Advanced to wallet · Net after 10% performance fee and 2% advance fee
IProp firm approves $2,400 payout — wire initiated0.0s
IIDenaro Pay detects payout approval via OAuth1.2s
IIINet calculated: $2,400 × 0.90 × 0.98 = $2,116.802.1s
IV$2,116.80 USDC advanced to your wallet on Base4.8s
VWire received by Airwallex 3–5 days later — collected automaticallyDay 4
§II
Example
$2,400 payout

A $2,400 payout, fully calculated.

For a United States prop firm client on Funded Next. The performance fee and advance fee are both deducted from the gross payout before you receive USDC.

Payout calculation — Funded Next US client
Gross payout from prop firm$2,400.00
Less: 10% performance fee (US prop firm clients only)− $240.00
Net after performance fee$2,160.00
Less: 2% advance fee on $2,160− $43.20
USDC advanced to your wallet$2,116.80

Performance fee applies to US prop firm clients only. International clients and live capital clients pay advance fee on full gross amount net of any platform fees.

§III
Specifications
Full detail

Pay Advance specifications.

Advance fee2% of the advanced amount
Settlement to walletUnder 5 seconds on Base L2
Wire collection timeline3 to 5 business days
Default risk to userZero — wire-collected, not from your balance
Collection methodAutomatically deducted from incoming wire via Airwallex
Eligible accountsCREST AI subscribers with connected prop firm accounts
Prop firms supportedFunded Next · Lucid · FTMO · MyFundedFutures · E8 Markets
Advance currencyUSDC on Coinbase Base
Average payout size$2,400 gross
Advance opt-in requiredYes — selected per payout in app
§IV
Questions
Common answers

Frequently asked questions.

What happens if the wire never arrives?
The advance risk is carried entirely by Denaro Pay, not by you. If a wire fails to arrive after an advance is disbursed, Denaro Pay pursues collection from the prop firm directly. Your wallet balance is never debited to cover a missing wire. This is the zero-default-risk structure.
Do I have to use Pay Advance on every payout?
No. Pay Advance is optional and selected per payout. For each approved payout, you choose whether to advance immediately at 2% or wait for the standard wire, which typically arrives in 3 to 5 business days at no additional fee.
Does Pay Advance require a CREST AI subscription?
Currently, Pay Advance is available to CREST AI subscribers who have connected prop firm accounts via Tradovate or Rithmic OAuth. The advance is triggered automatically when a payout is approved via the connected OAuth session.
How does Denaro know a payout has been approved?
When you connect your prop firm account via OAuth, CREST AI monitors the account for payout approvals in real time. The moment an approval is detected, you receive a push notification and the option to advance appears in the app.
What currency is advanced?
Advances are disbursed in USDC on Coinbase Base, directly to your Denaro Pay wallet. The USDC is immediately available for spending via your Visa card, sending globally, or earning yield.
5s

From prop firm payout approval to USDC in your wallet. 2% fee. Zero risk. Open your account and connect CREST AI to start advancing.

Start advancing →