For Users
FAQ - For Users
Frequently Asked Questions
General Questions
What is Dinario?
Dinario is a privacy-focused service that lets you cash out Solana tokens to your bank account without exposing your main wallet, holdings, or trading history to banks.
How is Dinario different from Coinbase/Kraken?
Privacy
❌ None
✅ High
Your wallet visible to bank
✅ Yes
❌ No
Holdings visible
✅ Yes
❌ No
Deposit required
✅ Yes
❌ No
Custodial
✅ Yes
❌ No (you control funds)
KYC
✅ Yes
✅ Yes (required by law)
Dinario advantage: Privacy + compliance + non-custodial.
Is Dinario a bank?
No. Dinario is not a bank.
We partner with Bridge, a licensed money transmitter, to convert USDC to fiat currency.
Is Dinario legal?
Yes. Dinario is fully compliant with:
✅ US financial regulations (FinCEN, BSA, PATRIOT Act)
✅ State money transmitter laws (via Bridge)
✅ International regulations (varies by country)
Supported Tokens & Countries
Which tokens can I cash out?
Any SPL token on Solana:
SOL
USDC (direct, no swap)
BONK
JUP
JTO
WIF
And any other Solana token
If you select a non-USDC token: It will be automatically swapped to USDC via Jupiter before cash-out.
Which countries are supported?
45+ countries including:
🇺🇸 United States
🇬🇧 United Kingdom
🇪🇺 European Union
🇨🇦 Canada
🇦🇺 Australia
And many more
Check the app for the full list when selecting your destination.
Which payment methods are available?
Varies by country:
United States:
ACH (1-2 business days)
Wire Transfer (same day)
Same Day ACH (same day)
Europe:
SEPA (1-2 business days)
UK:
Faster Payments (same day)
Others: Varies by country (check in-app)
Privacy & Security
How does Dinario protect my privacy?
5 Privacy Layers:
Ephemeral wallets - Banks never see your main wallet
Jupiter routing - Obfuscates swap origin
Zcash encryption - Encrypts transaction receipts
Separation - Your wallet is separate from your KYC identity
Non-custodial - We never control your funds
See Privacy Model for details.
Can banks see my main wallet?
No. Banks only see the ephemeral wallet (a one-time wallet created for your transaction).
Your main wallet, holdings, and trading history remain completely hidden.
Can I verify the privacy myself?
Yes! Use Helius Orb to verify:
Search for the ephemeral wallet (shown in your receipt)
See the transaction flow (swap → Bridge transfer)
Search for your main wallet
Verify NO connection between the two
On-chain verification: Privacy is provable.
Is my data secure?
Yes.
✅ KYC data encrypted by Sumsub (SOC 2 Type II certified)
✅ Bank details sent directly to Bridge (encrypted)
✅ We don't store your wallet private keys (non-custodial)
✅ We don't store your bank account details
Fees & Timing
What are the fees?
Total fees: 2% privacy fee + transfer fee
Breakdown:
Privacy fee: 2% (Dinario)
Transfer fee: Varies by payment method
ACH: ~$3
Wire: ~$15
Same Day ACH: ~$8
SEPA: ~€1-3
No swap fees: Jupiter swaps are free (only Solana network fees ~$0.00001)
Example:
Cash out $1,000
Privacy fee: $20 (2%)
ACH fee: $3
You receive: $977
How long does it take?
Depends on payment method:
ACH (US): 1-2 business days
Same Day ACH (US): Same day (if before 5pm ET)
Wire (US): Same day
SEPA (Europe): 1-2 business days
Faster Payments (UK): Same day
Transaction processing: Instant (ephemeral wallet → Jupiter → Bridge happens in ~30 seconds)
Bank arrival: Depends on payment rail selected
Are there any limits?
Yes, varies by:
Your KYC verification level
Your destination country
Payment rail selected
Typical limits:
Minimum: $50
Maximum (Tier 1): $10,000 per transaction, $50,000 per month
Maximum (Tier 2): Higher limits with enhanced verification
KYC & Compliance
Why do you require KYC?
It's the law. All crypto-to-fiat services in the US must comply with:
FinCEN (Financial Crimes Enforcement Network)
Bank Secrecy Act (BSA)
PATRIOT Act
State money transmitter laws
All compliant services require KYC:
Coinbase ✅
Kraken ✅
Moonpay ✅
Dinario ✅
No exceptions.
What makes Dinario's KYC different?
KYC for compliance, NOT surveillance.
We verify: WHO you are (legally required) We protect: WHAT you own (privacy)
How:
Sumsub verifies your identity
Sumsub does NOT see your wallet addresses
Bridge sees the ephemeral wallet only
Your main wallet stays hidden
What information do you collect for KYC?
Required:
Government ID (passport, driver's license, etc.)
Selfie (liveness check)
Name, date of birth, address
NOT collected:
❌ Your wallet addresses
❌ Your holdings
❌ Your transaction history
❌ Your trading patterns
How long does KYC take?
Usually 5-10 minutes.
Process:
Upload ID (1 min)
Take selfie (1 min)
Provide info (2 min)
Automated review (5-10 min)
Total: ~10-15 minutes for most users
Manual review: 24-48 hours (rare, only if AI can't verify automatically)
Do I need to do KYC every time?
No. KYC is one-time only.
Once approved:
✅ Status is saved
✅ Future cash-outs skip KYC
✅ No need to verify again (unless flagged)
Technical Questions
Is Dinario non-custodial?
Yes. Dinario never controls your funds.
You:
✅ Control your private keys
✅ Approve every transaction
✅ Can reject before signing
Dinario:
❌ Cannot access your wallet
❌ Cannot move your funds without your permission
❌ Cannot freeze your account
See Non-Custodial Model for details.
What happens to the ephemeral wallet after my transaction?
The ephemeral wallet is discarded.
Lifecycle:
Created for your transaction
Receives funds from your main wallet
Executes swap (if needed)
Sends USDC to Bridge
Discarded (no longer used)
Privacy benefit: One-time wallet = unlinkable to future transactions
Can I reuse the same ephemeral wallet?
No. Each transaction generates a new ephemeral wallet.
Why: Reusing wallets would link transactions together, defeating privacy.
What if the transaction fails?
Rare, but possible.
If swap fails:
USDC remains in ephemeral wallet
We refund to your main wallet (minus gas fees)
If Bridge transfer fails:
USDC is returned by Bridge
We refund to your main wallet
You won't lose funds, but you may lose gas fees (~$0.00001 SOL).
Can I cancel after approving?
No. Once you sign the transaction, it's processed immediately by the smart contract.
Blockchain transactions are irreversible.
Prevention: Always review transaction details before signing!
Troubleshooting
My KYC was rejected. What do I do?
Common reasons:
ID is expired or invalid
Selfie doesn't match ID
Photo is blurry
Name on OFAC sanctions list
Solutions:
Use a different ID
Retake photos in good lighting
Ensure ID is valid and clear
Contact support if you believe it's an error
My bank deposit hasn't arrived. What do I do?
Check:
Estimated arrival time - ACH takes 1-2 business days (not instant)
Business days - Weekends/holidays don't count
Bank account details - Verify you entered correctly
If still missing after 3 business days:
Check your transaction receipt (ephemeral wallet address)
Verify on Helius Orb that funds were sent to Bridge
Contact support with transaction ID
I entered the wrong bank account. Can I change it?
Before signing: Yes, just go back and edit.
After signing: No, transaction cannot be cancelled.
If funds went to wrong account:
Contact your bank (if it's your account with typo)
Contact Bridge support (we'll provide their info)
Prevention: Always double-check bank details before confirming!
The amount I received is less than expected. Why?
Check for:
✅ 2% privacy fee (disclosed before confirmation)
✅ Transfer fee (ACH ~$3, Wire ~$15, etc.)
✅ Swap slippage (Jupiter swap may have slight variance)
✅ Price movement (if token price changed during transaction)
Example:
Send: 10 SOL (~$2,000)
Swap to USDC: ~$1,998 (slippage)
Privacy fee (2%): -$40
ACH fee: -$3
You receive: ~$1,955
This is normal and disclosed before you confirm.
Safety & Best Practices
Is Dinario safe?
Dinario is beta software (not yet audited).
Safety measures:
✅ Non-custodial (you control funds)
✅ Open source (auditable code)
✅ Licensed fiat partner (Bridge)
✅ Encrypted KYC (Sumsub SOC 2)
Recommendations:
✅ Start with small amounts ($50-100)
✅ Verify on-chain (Helius Orb)
✅ Test the process first
✅ Then scale up
What's the maximum safe amount to cash out?
Technical limit: Based on your KYC tier ($10k-$100k)
Recommended:
Start with $50-100 (test)
Then $500-$1,000 (verify process works)
Then scale up to your comfort level
For large amounts ($10k+):
Use a hardware wallet (Ledger + Phantom)
Verify transaction details carefully
Consider splitting into multiple smaller transactions
How do I verify my transaction is legitimate?
Use Helius Orb:
Go to https://orb.helius.dev/
Paste ephemeral wallet address (from your receipt)
See the transaction flow:
Your main wallet → Dinario contract
Dinario contract → Ephemeral wallet
Ephemeral wallet → Jupiter (swap)
Ephemeral wallet → Bridge (USDC transfer)
Verify amounts match
Search your main wallet → No link to ephemeral wallet ✅
If everything matches: Transaction is legitimate.
What if Dinario gets hacked?
Your funds are safe because:
✅ Dinario is non-custodial (we don't hold your funds)
✅ Your crypto is in YOUR wallet
✅ Smart contract has no admin backdoors
Worst case:
Website goes down → Your crypto is safe in your wallet
Database compromised → No wallet private keys stored
Smart contract bug → Rare, but why we recommend starting small
Contact & Support
How do I get help?
Support channels:
🐦 Twitter: @DinarioApp (DM us)
📚 Docs: https://docs.dinario.app/
🌐 Website: https://privacy.dinario.app/
Response time: 24-48 hours (solo developer during beta)
Can I request a feature?
Yes! We'd love to hear from you.
How:
Tweet at @DinarioApp
DM us on Twitter
Popular requests:
More payment rails
More countries
Saved bank accounts (coming soon)
Still have questions? Contact us on Twitter!
Last updated