frequently asked questions
sections
1. check-in & rewards
what's a keychain check-in?
when you visit a participating location, just tap your phone on the keychain tag to "check in" and instantly earn cashback or rewards — no purchase needed.
do i have to buy something to check in?
nope! just tap and earn. it's our way of saying thanks for showing up.
how often can i check in?
depends on the location. visit different stores to stack your rewards.
where can i find check-in locations?
open the app and explore the map. look for glowing keychain tags nearby.
how do i claim the rewards?
rewards go straight to your wallet. use them to pay, send to friends, or cash out.
2. payments
how do i pay with keychain?
just scan the merchant's qr or tap their phone. that's it — payment is instant.
what do i need to start paying?
a verified keychain wallet.
is there a fee to pay someone?
zero. you keep 100% of what you send. plus, you get cashback everytime you pay or send.
can i pay anyone or just businesses?
both! pay friends, family, or merchants — if they're on keychain, you're good to go.
can i use my phone to receive payments too?
yep. your phone is your payment terminal. no hardware needed.
3. depositing funds
how do i add money to my keychain wallet?
we use Plaid to securely transfer funds directly from your bank account to your wallet. just link your account once and you're set.
how long does it take for deposits to arrive?
if your bank supports RTP (real-time payments) or FedNow, it's almost instant. otherwise, standard ACH transfers typically take 1-3 business days.
is there a minimum deposit amount?
nope! add as little or as much as you need.
are there any fees for deposits?
none from our end. your bank might have their own policies, but we don't charge anything.
4. withdrawals
how do i withdraw funds from my keychain wallet?
simply tap the withdraw button, select your bank account, and enter the amount. easy as that.
which currencies can i withdraw in?
we currently offer payouts in USD and INR with no fees. more countries coming soon!
is there a limit on withdrawals?
there are some standard limits for security, but they're generous. check your account settings for your specific limits.
5. international transfers
can i send money internationally with keychain?
yes. you can send money globally — instantly and with zero fees.
how long does it take to send money abroad?
typically under 15 seconds. no waiting days for banks.
how much do i save vs traditional remittance apps?
up to 5–8% on every transfer — no hidden fees or bad exchange rates.
6. exchange rates & wallet balance
how does keychain calculate exchange rates?
we use the live mid-market rate — no markup. what you see is what they get.
where can i see the current rate?
right before you confirm your transfer — fully transparent.
are there any hidden fees in currency conversion?
none. we don't make money on your FX.
what's the wallet balance shown in?
your default view is in usd or inr depending on your location, but behind the scenes they're USDC on solana.
7. safety & support
is keychain safe to use?
yes. we use bank-grade encryption and are Fiu-registered with the government of India.
what happens if i lose my phone?
your wallet is secured with a recovery method. you can restore access anytime.
who do i contact if something goes wrong?
email us at hello@trykeychain.com — we've got your back.
do you offer customer support in india?
yes! we're available across time zones for both India and the US.