Sign up

Creating your portfolio

Personal Details & KYC

STEP 1: Enter your Full name and your email ID

STEP 2: Create a Strong Password

(TIP – Use a combination of Alphabets, numbers and symbols)

You can use a referral code to get free B21 tokens worth $2.

STEP 3: Click on the “Confirm Email Address” link received in your mail

After email verification, click on “I’ve confirmed” button in the app –

STEP 4: Select your country from the drop-down list and enter your Mobile number

(PRO TIP – You can also type in your country name to select the country code)

STEP 5: Enter the 6-digit code sent to your mobile and click “Next”

STEP 6: Read the Terms & Conditions and tap on the toggle to agree and proceed

STEP 7: You get a welcome screen to start the identification process.

STEP 1: Click on the “Invest” button after login and “Start” your KYC process.

STEP 2: Enter your date of birth, name and address details

STEP 3: Select your “Source of Funds” from the menu.

STEP 4: Clicking “Next” gives you option to choose one of the valid identity proofs.

STEP 5: Enter the ID number and click “Next” to upload a picture of the same.

STEP 6: Similarly select “Proof of Address” and upload the relevant image file of the proof specific to your country.

STEP 7: Once the proofs are submitted you will get a “Congratulations!” message confirming the submission.

STEP 1: Click the “Invest in Portfolio” button in your dashboard and click yes to define the allocation.

STEP 2: You can choose your portfolio of coins from the available tokens by selecting each one. (By default, B21 divides the selected assets equally)

STEP 3: You can view your selected portfolio and click on “Done” to proceed.

You can either tap on the  tab at the bottom left or click on “Earn” button in the centre to open the Promotions tab in your B21 Invest app. You can participate in offers from the list and earn more –

1. Earn Staking Rewards

With B21 app you can earn interest on your deposits!

Stake the eligible coins simply by toggling the button on and earn returns between 5% and 14% per annum. Your interest will be paid monthly in your account.

2. Invite & Earn

You can also invite your friends using your invite code and earn B21 tokens!

Once your friends successfully complete the signup process, you both will earn B21 tokens worth $2. Just tap on the “Invite now” button to invite your friends.

3. INVEST AND EARN-

B21 app also rewards you for each investment you make!

When you make your first deposit of $50, you earn $5 worth B21 tokens. For every subsequent investment of minimum $100, you get a reward of $5 worth of B21 tokens.

1. Investing in portfolio 
   • Invest using Card
   • Invest using Bank transfer (ACH)
   • Invest using Cash Balance
2.  Customise your portfolio
3.  Buy Individual coins
4. Selling Coins
   • Selling Assets
   • Advanced Asset Sell
   • Sell individual coins

• Invest using Card
• Invest using Bank transfer (ACH)
• Invest using Cash Balance

STEP 1: Tap on the “Invest in Portfolio” button in the profile dashboard.

STEP 2: In the “Investment Amount” screen enter the amount you wish to invest.

STEP 3: Select “Card” under payment method.

STEP 4: Click on “Add New Card” to add your Master or Visa card.

STEP 5: Fill your card details and click on “Add card” at the bottom of the screen.

STEP 6: You can use the saved card to proceed with the transaction.

STEP 7: Click “Confirm” and your funds will be added from the card.

The automated clearing house (ACH) is an electronic funds-transfer system that facilitates payments in the U.S.

Recent rule changes are enabling most credit and debit transactions made through the ACH to clear on the same business day.

With ACH, B21 users from the United States can deposit and withdraw instantly with ZERO FEE.

How to link your US bank account in B21 for faster processing using ACH:

STEP 1: Select Bank Transfer and then ACH from any of the following options – Invest in Portfolio, deposit to cash balance or Buy Coins.

STEP 2: Select the “Add New Bank Account” option

STEP 3: Provide an account display name and click “Start Process”

STEP 4: Tap on “Continue”

STEP 5: Select your bank from the list

STEP 6: Enter your credentials and click on “Submit”

STEP 7: After successful registration, tap on “Continue”. Your Bank account is now linked with B21 for faster deposit and withdraw using ACH

STEP 8: Tap the back button and select your Saved account

STEP 9: Click on “Confirm” from the Transaction Summary

STEP 1: Tap on “Invest now” button

STEP 2: Enter the Investment amount

STEP 3: Select Cash Balance by turning the toggle button on. You can choose to either enter the desired amount or use full cash balance

STEP 4: Check the Transaction summary and Tap on “Confirm”

STEP 1: To customize your portfolio, click on the icon in the footer and select “Investment Allocation” from the menu.

STEP 2: You can tap on “Customize” to change the allocation in your portfolio.

• Click on the “+” and “–” signs to change the allocation
  

• Click on the icon to disable changes for the coin
• Click on after making the changes to proceed with the changes in your allocation.

STEP 1: Tap on any coin on the dashboard to buy the same.

STEP 2: Tap on “Buy coin”

STEP 3: You can either toggle the button to use full cash balance or enter the amount you wish to buy tokens.

STEP 4: Click “Confirm” to proceed with the transaction.

You can deposit your cryptocurrency from any other platform/exchange to your B21 account.

Note:

The deposit addresses on the app for ETH, USDT, and B21 tokens are ERC20 compatible only.
ETH and B21 deposit addresses on the app are different. Please do not send B21 tokens to ETH address and vice versa.

To deposit your cryptocurrency, follow the following steps:
Step 1: Tap on the coin from the dashboard you want to deposit
Step 2: Tap on the deposit option

Step 3: Scan the QR code or click “Copy” to copy the wallet address and use this while transferring your cryptocurrency from the platform/exchange

Step 4: Once you make the deposit you get to see “1 Deposits” tag on the coin field. Click on the token field.

Step 5: Click on “Declare Cost Basis” option as shown in the below screen

Step 6: You can also go to this screen from Transaction History menu and selecting Assets Transaction History option.

Step 7: Click on the field and enter the cost of the token at your time of purchase multiplied by the amount of tokens you purchased. In the below example, cost of Bitcoin was approximately USD 50,971 and the purchased quantity was 0.26. The resulted amount is what you need to enter which is $13252.65.

Step 8: Refresh your dashboard to reflect the deposited assets.

You can sell assets from your portfolio, the amount gets converted to “Cash Balance” which can be used for investments or withdrawn to your bank account

• Selling Assets
• Advanced Asset Sell
• Sell individual coins

A portion from your portfolio will be sold. All coins will be sold proportionally for the selected amount

STEP 1: Tap on the Cash Balance on the dashboard and select “Sell from Portfolio”

STEP 2: Select “Sell Assets”

STEP 3: Enter the amount you want to withdraw from your portfolio and tap on “Next” and then “Confirm”

Pro Tip: You can toggle the switch “Sell all” and sell your complete portfolio to cash balance

STEP 4: Tap on Confirm in the Transaction Summary page

You can choose and sell coins individually from your portfolio

STEP 1: Tap on the Cash Balance on the dashboard and select “Sell from Portfolio”

STEP 2: Select “Advanced Sell Assets”

STEP 3: Tap on the coin you wish to sell and enter coin quantity to sell

STEP 4: Tap on “Confirm” to Confirm your order

STEP 1: Tap on any coin on the dashboard and select “Sell Coin”

STEP 2: Enter the coin quantity you want to sell. You can also toggle the switch to “Sell All”

STEP 3: Check the summary and tap on “Confirm”

1. Deposit using Bank Transfer
   • Deposit Using International and US Wire
   • Deposit Using ACH – (For U.S.A only)
   • Deposit using UPI/NEFT (For India only)
2. Withdraw to Bank account
   • Withdraw using International Wire
   • Withdraw Using US Wire
   • Withdraw Using ACH

You can deposit money to your cash balance in your B21 account. The money in cash balance remains unchanged of the market volatility and is readily available for investing in your portfolio.

• Deposit via International Wire/ US Wire
• Deposit via ACH

STEP 1:  Tap on the Cash balance tab on the dashboard and select “Deposit to Cash Balance”

(Alternatively, you can also tap on the icon at the bottom right and select “Deposit to cash balance”)

STEP 2: Enter the amount you want to deposit in Cash Balance

STEP 3: Select “Bank Transfer” as the investment method

STEP 4: Select “International Wire” or “US Wire” based on your jurisdiction

STEP 5: Check the transaction summary and tap on “Confirm”

STEP 6: Deposit Payment Instructions with Bank details will be shown on the app and also sent to you via mail

STEP 7: Transfer the amount from your bank account to the bank details received on mail

(Note- Be sure to include the reference number)

(Note– It might take up-to 2 days for the deposit to credit to your account)

STEP 1:  Tap on the Cash balance tab on the dashboard

(Alternatively, you can also tap on the lines icon in the bottom pane and select “Deposit to cash balance”)

STEP 2: Enter the amount you want to deposit in Cash Balance

STEP 3: Select “Bank Transfer” as the investment method

STEP 4: Select “ACH”

STEP 5: Select the “Add New Bank Account” option

STEP 6: Provide an account display name

STEP 7: Tap on “Continue”

STEP 8: Select your bank from the list

STEP 9: Enter your credentials and click on “Submit”

STEP 10: After successful registration, tap on “Continue”. Your Bank account is now linked with B21 for faster deposits and withdrawals using ACH

STEP 11: Tap the back button and select your Saved account

STEP 12: Check the transaction history and tap on “Confirm”

(Note– Based on the bank transfer type selected, it might take up-to 2 days for the deposit to credit to your account)

STEP 1:  Tap on the Cash balance tab on the dashboard

(Alternatively, you can also tap on the icon in the bottom pane and select “Deposit to cash balance”)

STEP 2: Enter the amount you want to deposit in Cash Balance

STEP 3: Select “Bank Transfer” as the investment method

STEP 4: Select “UPI/NEFT”

STEP 5: Select the “Add New Bank Account” option

STEP 6: Add your Bank details and tap on “Next”

STEP 7: Tap the back button and select your Saved account

STEP 8: Check the transaction history and tap on “Confirm”

STEP 9: Make payment to the given account details using your banking portal or mobile app

STEP 8: Go to your online banking portal and add the bank details as beneficiary and make the payment.

Note: Please transfer the exact quoted amount and enter the exact reference number, so that your deposit is processed automatically. If you send a different amount compared to the quoted amount, then processing will enter the manual queue and it may take up to 2 business days to get your deposit processed.

STEP 9: After making the payment, come to the B21 app and tap on “Paid” and “Confirm”.

You can sell your assets for cash balance and withdraw the cash balance to your bank account.

• Withdraw using International Wire
• Withdraw using US Wire
• Withdraw using ACH

STEP 1: Tap on the Gear icon in the bottom pane and select “Withdraw Cash Balance”

Alternatively, you can tap on the menu icon in the bottom pane and select “Withdraw Cash Balance”

STEP 2: Enter the Withdrawal amount and tap on “Next”
(Pro Tip: You can also toggle the “Use full cash Balance” switch to withdraw your complete cash balance)

STEP 3: Select “Bank Transfer” and then tap on “International Wire”

STEP 4: Select from your saved Bank account (Skip Step 5), or tap on “Add New Bank Account”

STEP 5: Enter your bank details and intermediary bank details.
(Please get the intermediary bank details from your bank)

STEP 6: Select the saved bank account

STEP 7: Check the transaction summary and click on “Confirm”

STEP 1: Tap on the “Cash Balance” in the profile dashboard and click on “Withdraw Cash Balance” from the menu.

Alternatively, you can tap on the menu icon in the bottom pane and select “Withdraw Cash Balance”

STEP 2: Enter the Withdrawal amount and tap on “Next”
(Pro Tip: You can also toggle the “Use full cash Balance” switch to withdraw your complete cash balance)

STEP 3: Select “Bank Transfer” and then tap on “International Wire”

STEP 4: Select from your saved Bank account (Skip Step 5), or tap on “Add New Bank Account”

STEP 5: Enter your bank details.

STEP 6: Select the saved bank account

STEP 7: Check the transaction summary and click on “Confirm”

The automated clearing house (ACH) is an electronic funds-transfer system that facilitates payments in the U.S. Recent rule changes are enabling most credit and debit transactions made through the ACH to clear on the same business day.

With ACH, B21 users from United States can deposit and withdraw instantly with ZERO fee.

How to link your US bank account in B21 for faster processing using ACH:
(Please refer to the section below)

https://www.b21.io/help/#invest-using-bank-transfer-ach

1. Login to your B21 Invest app using your username and password or the 6 digit pin you have set up during signup.

2. In your profile, under your name you see your current level. In this example it is “Standard” as shown in the below screenshot. Click on your name.

3. You will be able to see your current level which is “Standard” and all the other available levels for you to upgrade along with the eligibility.

4. When you click on “Upgrade” button of any level, in this example “VIP Level 1” it asks for a confirmation to proceed as shown below

5. Once you click on “Continue” you will be taken back to your home screen and your new VIP level will be reflected under your name.

Card KYC Requirement

How to order the card

How to activate the card

Link your card to B21

How to load funds to your card

How to setup PIN

Proof of Identity

Accepted documents

1. Passport
2. Driver’s License
3. Government Issued Identity Card

ID requirements

1. For cards from the Gold and Black program, TWO sets of proof of identity documents or ID with a selfie is required
2. The document MUST contain the full name, date of birth, date of issue, date of expiry, and photo.
3. The date of expiry should be more than 6 months when applied.
4. The document image should have all 4 corners visible.
5. The document should be a photo of the actual identity card. A scanned or digital copy is not acceptable.

Proof of Address

Accepted documents

1. Utility Bill (Gas/Electricity/Water/Phone)
2. Credit Card Statement
3. Bank Statement
4. Bank Letter or statement of insurance

Requirements

1. The document must display the logo and address of the company from which it was issued, and the date when it was issued.
2. The document must have been issued within the past 90 days and must not be trimmed.
3. The issued company must be a verifiable entity.

Cards are offered FREE from VIP Level 2.

1. Login to your B21 Invest app using your username and password or the 6-digit pin you have set up during signup.

2. In your profile, under your name you see your current level. In this example it is “VIP Level 1” as shown in the below screenshot. Click on the “Card” symbol at the footer.

3. It shows you the card that is available on upgrading to the next level which is VIP Level 2. Click on “Upgrade Level”

4. You will be able to see the available tokens and the number of tokens you need more to upgrade. This screen also shows the lock duration and the card benefits. Click on “Get More Tokens”

5. The next screen will enable to buy the needed B21 tokens either from your card or directly from the available cash balance. In this example, we are showing the cash balance. You can either use the entire cash balance by toggling the button on/off or enter the specific amount you want to buy the B21 tokens.

6. Once you click on the button “Next” in above screen you get a transaction summary screen for you to confirm. Click “Confirm”

7. The successful transaction screen is shown

8. You will be taken back to User Levels screen as shown below and you need to click on Upgrade button. This time you will see the available tokens are good enough to upgrade.

9. Press “Continue” to proceed

10. You can now go to your profile and check you VIP Level under your name. It should reflect “VIP Level 2” in this case. Click on the “Card” icon in the footer.

11. Now that you have the eligibility to get a free Teal card, you will see “Order Now” button under it as shown in the picture. Click the button.

12. It will ask you to confirm the order. Click “Confirm”

13. You will be taken back to the Card screen with no button at the bottom indicating that you order is being processed as shown below.

You will receive an email once the card order is processed and the card is dispatched.

Note: The process is same for the VIP Level 3 and VIP Level 4 which offers Gold and Black cards with added benefits as shown below.

Once you receive your card follow the below steps.

1. Login to your B21 account
2. On the dashboard, click on the “Card” symbol in the footer menu.

3. Click “I received it” button.

4. Enter the 16-digit card ID printed on the backside of your card.

5. Enter the card details and click on Login.

6. Click the ‘Activate Card’ button.

7. Enter the necessary details and the OTP received on your mobile. Note: proxy number is the 16 digit number printed on the back of the card.

8. Your card is activated. You can see other card services on dashboard.

Once you activate your card follow the below steps.

1. Login to your B21 account
2. Click on the “Card” symbol in the footer menu.

3. Click the “Card Login” button.

4. Login to the card portal

5. Click ‘Load Funds’ on the card portal dashboard

6. Enter the required amount to top-up card from the available cash balance as shown below.

Note: There will be security deposit based on the type of card you have on the first card load request. This is refunded on cancellation of the card.

7. Click on Next and confirm the transaction.

8. You will see a transaction successful message indicating it is successful.

9. Card load takes up to 1-2 business days. Once the load request is processed, you will receive the confirmation notification in mail and mobile.

Once you receive your card follow the below steps.

1. Login to your B21 Invest app using your username and password or the 6-digit pin you have set up during signup.

2. Once you login go to your profile dashboard and click on the “Card” symbol in the footer menu.

3. You will see a new button called “I received it”. Click on the button.

4. You will then be prompted to enter the 16-digit card ID written on the backside of your card.

5. Enter the given number as shown in the below sample screenshot and click on submit.

6. Your card will be activated. You will be able to see the “Load Funds” button indicating your card is active.

Once you receive your card and activate it, follow the below steps.

1. Go to the card section from your dashboard where it shows “Load funds” button to indicate your card is active. Click ‘Load Funds’ button

2. You can directly load funds to your card from the available cash balance. You can choose to load full cash balance or any partial amount as you please with the toggle button.

3. In this example, the amount entered was $250 as shown in the screenshot

4. You get to confirm the transaction on the next screen. Click “Confirm”

5. You get a transaction successful message.

6. Your load request is successfully placed. Your card load will be processed within 24 hours and you would receive the notification once the card load is completed.

Note: A security deposit based on the card program will be taken on your first load. Please check the fees page for the security deposit.

You can reset your card PIN as you please.

Login to payglobal.vaicarte.com portal using your username and password

You will be asked to chose between email or mobile number to receive an OTP.

An OTP will be sent to the chosen option.

Enter the OTP in the given filed within 160 seconds or you have to resend it again.

You will be taken to the account dashboard showing your Wallet balance and Card Balance along with menu on the left under your profile picture as shown below.

You can click on the Reset PIN option on the left menu.

You can select the card from the drop down and enter your new PIN accordingly.

Click on Proceed and allow the notification to go on with the setup.

Your Card PIN update is successful.

1. Changing profile details
   • Change your email ID
   • Change your registered mobile number
2. Changing language
3. Changing password
4. Get your profit and loss report

Tap on the Gear icon in the bottom pane and select “Profile”

STEP 1: Tap on your profile picture to open your profile section.

STEP 2: Tap on your “Email Address” field to enter your new email address

STEP 3: Enter your new email address.

STEP 3: You can confirm the updated email in the next screen and click “Done”.

STEP 4: Click Ok. Go to your email and click the link to confirm your new email.

STEP 5: After verification, your new email ID will reflect in your email address field.

STEP 1: Tap on your Phone number to go to change mobile number screen

STEP 2: Enter your new Mobile phone number and click “Next”

STEP 3: Enter the 6 digit code sent to your new number and tap “Next”

STEP 1: B21 comes with 6 languages support and you can choose any of them by tapping the menu icon in the bottom pane

STEP 2: Select “Language” to choose one of them.

STEP 1: Tap on the Gear icon in the bottom pane and select “Security” and then tap on “Change Password”

STEP 2: Enter your New password and Re-enter your New password

STEP 3: Enter the verification code sent to your phone number

NOTE: You can also enable PIN at Login by tapping “Enable PIN Setup at Login”

B21 provides you with a Profit/Loss statement for the period you select. You can get it by tapping the Gear icon in the bottom pane and selecting “Profit/Loss Report”