# Deposits & Withdrawals

*Updated as part of the unified margin rollout. Spot asset deposits/withdrawals and subaccount spot transfers are documented below. USDC content is unchanged; one clarification on withdrawal gating under unified margin is added.*

Before trading, a user connects a Solana-compatible wallet to Pacifica and funds the account with USDC. Pacifica supports Phantom, Solflare, Backpack, Ledger (via browser extension), and other WalletConnect-compatible wallets.

## USDC Deposits

Pacifica currently limits deposits to a maximum of $250,000 account equity during Closed Beta. Additional deposits are gated on the frontend, and API deposits exceeding these amounts are held in pending.

Minimum deposit: $10.

Fees: network gas only.

### USDC Withdrawals

Pacifica currently limits single-account withdrawals to a maximum of $250,000 every 24 hours during Closed Beta. Additional withdrawals are gated on the frontend, and API withdrawals exceeding the limit are held in pending.

Unrealized PnL may be withdrawn from an isolated position or a cross-margin account subject to the 10% initial-margin floor. See [Margin & Leverage](/docs/trading-on-pacifica/margin-and-leverage.md).

An exchange-wide withdrawal cap applies across all assets as a risk-mitigation mechanism. It is unlikely to affect normal withdrawals.

Under unified margin, USDC withdrawal is bounded by `available_to_withdraw`, which deducts any outstanding money-market borrow. An account with a negative USDC balance cannot withdraw USDC until the debt is repaid or sufficient spot is sold.

Minimum withdrawal: $1.

Fees: $1 per withdrawal (gas).

## Spot Asset Deposits

*Added as part of the unified margin rollout.*

Spot assets are credited to the account after on-chain confirmation. Once credited, the balance is tradeable on the corresponding spot market and contributes cross-margin collateral per the asset's LTV and per-user cap. See [Spot Collateral](/docs/trading-on-pacifica/spot-collateral.md).

Each supported spot asset has a per-user daily USD-notional deposit cap of $50,000.

Minimum deposit: approximately $10 worth of the deposited asset.

Fees: network gas only.

## Spot Asset Withdrawals

The maximum withdrawable amount for a given spot asset is:

```
available_spot_to_withdraw =
  min(spot_balance,
      (cross_equity_without_spot + spot_collateral_value - required_borrow
       - 0.1 * total_position_value)
      / (price * ltv_ratio))
```

The constraint ensures remaining collateral covers both outstanding perpetual margin and any money-market debt after withdrawal. The 10% floor on `total_position_value` matches the constraint applied to USDC withdrawals.

Each asset has a per-user daily USD-notional withdrawal cap of $250,000. Requests above the cap are queued for the next reset.

A time-based, exchange-wide withdrawal cap applies across USDC and spot combined.

Fees: network gas, plus a withdrawal fee of approximately $1 worth of the withdrawn asset.

## Subaccount Spot Transfers

*Added as part of the unified margin rollout.*

Spot assets can be moved between a master account and any of its direct subaccounts without an on-chain transaction. Transfers are instant and fee-free. Asset movements are subject to margin requirements.

USDC transfers between subaccounts continue to follow the existing [Subaccount Fund Transfer](/docs/api-documentation/api/rest-api/subaccounts/subaccount-fund-transfer.md) rules.


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