{
  "version": "1.0.0",
  "reviewedAt": "2026-10-15",
  "reviewDue": "2026-10-29",
  "methodology": "Selective public-document review of six funding and payment configurations. No funded accounts, live quotes, transfers, eligibility approvals or withdrawal tests. Published terms are not measured execution or reliability.",
  "records": [
    {
      "name": "Kraken: bank funding versus purchase methods",
      "fact": "The USD ACH Plaid row lists near-instant trading availability but a seven-day withdrawal hold. Some other purchase methods carry 72-hour holds. Provider, currency and region matter.",
      "check": "Check the exact funding row and account restrictions; do not equate credited funds with withdrawable crypto.",
      "source": "https://support.kraken.com/articles/360000381846-cash-deposit-options-fees-minimums-and-processing-times-"
    },
    {
      "name": "Coinbase: available balance",
      "fact": "Cash deposits may be held. Crypto bought with held cash can be traded on Coinbase but cannot be sent until the hold clears. Account-specific restrictions can remain afterwards.",
      "check": "Inspect available-to-send funds and the displayed availability date, not just the trading balance.",
      "source": "https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/available-balance-faq"
    },
    {
      "name": "Bybit: fiat deposit",
      "fact": "Currency, method, fees and estimated processing time are shown in the deposit flow. Available methods depend on residence and provider availability. Verification and matching payer details are required.",
      "check": "Confirm your exact payment provider, quote and withdrawal lock. Its FAQ describes possible security locks of one to seven days.",
      "source": "https://www.bybit.com/en/help-center/article/FAQ-Fiat-Deposit"
    },
    {
      "name": "Bitget: bank deposit schedule",
      "fact": "The reviewed table lists individual EUR SEPA deposits at 0 EUR and withdrawals at 1 EUR; the ZAR row lists a 1.4% deposit fee and 20 ZAR withdrawal fee. These are published rail charges, not total purchase costs.",
      "check": "Verify current account availability, limits and instructions. Do not reuse the old blanket claim that bank deposits are free.",
      "source": "https://www.bitget.com/support/articles/12560603785944"
    },
    {
      "name": "Binance: P2P policy",
      "fact": "The policy requires matching verified payer and recipient names, warns against third-party accounts and directs users to stay within the platform process. Fiat-transfer charges can still apply.",
      "check": "Read the individual order terms, merchant quote and dispute procedure. P2P is a counterparty transaction, not an ordinary deposit into an exchange bank account.",
      "source": "https://www.binance.com/en/support/faq/detail/360041066751"
    },
    {
      "name": "Luno: South African payment routes",
      "fact": "The SA schedule lists EFT deposits as free, instant deposits at 1.4%, and Apple Pay at 2.5%. Portfolio instant buying/selling and Exchange trading have separate schedules. The page marks direct card instant-buy as unavailable.",
      "check": "Recheck the live payment screen and status before relying on a method. EFT still may incur your bank\u2019s charge and is not the same as a free crypto purchase.",
      "source": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa"
    }
  ]
}