Prefunding & deposits

What prefunding is

Many payment flows require money to be in place before transactions happen. A payout provider must hold a balance to send withdrawals; a P2P team must lock a security deposit with a provider; a merchant may need to prefund a payout account in another currency. Prefunding providers supply that liquidity for a fee, so businesses can scale volume without freezing their own capital.

Typical prefunding products

• Payout prefunding: a lender or liquidity partner tops up your payout balance and is repaid from incoming settlements.
• Security deposit financing: covering the insurance deposit required by a P2P provider or acquirer.
• Settlement bridging: funding the gap between paying out today and receiving settlement in T+1 or later.
• Revolving limits: a credit line that is drawn and repaid several times a week.
• Stablecoin-based prefunding: liquidity provided in USDT, often combined with stablecoin settlement.

Key terms to compare

• Cost: daily or monthly rate, arrangement fee, and how unused limits are charged.
• Collateral: receivables, cash deposit, crypto collateral or guarantees.
• Limit size and growth: how the limit increases with track record.
• Repayment mechanics: automatic deduction from settlements or manual repayment.
• Currencies and rails: fiat, USDT, specific payout corridors.
• Documentation: contract, jurisdiction, what happens on default or dispute.

Who uses it

• Payout teams and payout traders scaling capacity.
• PSPs offering mass payouts with fast funding.
• Merchants with seasonal peaks in withdrawals.

By country

Providers are listed in the UK, the US, the UAE, Singapore and Switzerland.

Next steps

Describe your volumes, settlement cycle and collateral options in a request. Nominal hub is a directory: we do not lend or guarantee financing, and terms are agreed directly with providers.