Bruce
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Frequently asked questions

The same answers as in the Bruce app. Money, wallets, payments, and account help.

Account & profile

Setup, username, and profile

How do I finish setting up my account?
After you sign in, choose a display name, claim a username, and set your country and currency. Change these anytime in Edit profile or Preferences.
How do usernames and pay handles work?
Your username is your pay handle (@username). Others can find and pay you with it. Use letters, numbers, and underscores only. Each username is unique.
Can I control who sees my profile?
Yes. Manage privacy in Settings, including precise location. Edit profile fields and social links from Edit profile.

Payments

Send, receive, escrow, requests, and favourites

How escrow works

Your Money is held in a secure escrow contract until both sides are satisfied - then it’s released to the seller.

  1. CreateYou (the buyer) set the amount, what you’re paying for, and additional terms. The seller is the person receiving payment.
  2. Fund & lockYou lock the Amount into Bruce’s escrow contract. It leaves your spendable balance but isn’t paid to the seller yet.
  3. Seller acceptsThe seller reviews the deal and accepts within the accept window. If they decline or time runs out, you can reclaim the funds.
  4. DeliveryThe seller delivers the product or service. They can mark delivered when inspection is on, so the review clock starts.
  5. ReleaseWhen you’re satisfied, you release funds to the seller. With auto-release on, funds can release after the window if no dispute is raised.
How do I send money?
From Home or Money, tap Send. Enter a username, pay handle, or wallet address, then confirm the amount. Use Quick Pay for people you send to often.
How do I receive payments?
Share your Bruce ID QR from You or Receive, or share your @username. Incoming payments show in Transactions.
What is Money in Bruce?
Money in Bruce is USDC, a USD-pegged stablecoin, on the Base network. It is not a bank deposit and is not covered by deposit insurance. Amounts shown in another currency are a convenience conversion. Bruce is financial software - not a bank. Details are in the Terms of Service: https://bruce.money/terms
How do I add money?
Open Add money (Receive), enter an amount, then Continue. Licensed card and bank partners handle the purchase. Partner fees and exchange rates may apply and can vary by currency. Review the rate shown by our licensed on-ramp providers before you confirm. Full details: https://bruce.money/terms#fiat-rails
How do I withdraw to my bank?
When bank withdraw is available, licensed off-ramp partners handle payouts. Partner fees and exchange rates may apply and can vary by currency. Review the rate shown by our licensed off-ramp providers before you confirm. Availability depends on your country and partner. Full details: https://bruce.money/terms#fiat-rails
Can I reverse a transfer?
Once a send confirms on the network, it is typically irreversible. Sending to the wrong person or address, or approving an unexpected prompt, can mean permanent loss. Bruce cannot reverse confirmed transfers. Double-check the recipient before you confirm. For deals where you want funds held until delivery, use Pay with Escrow instead of a normal send.
What are payment requests?
Create a request for a set amount. The recipient can pay it. Track pending and paid requests under Requests.
What is Pay with Escrow?
Pay with Escrow locks your Money in a Bruce escrow contract until the seller accepts and the deal completes. You (the buyer) release funds when you’re satisfied; either party can dispute while funds are locked. Unlike a normal send, the seller does not receive the Money immediately. Find escrows under Money → Escrows. Creating or accepting requires agreeing to the Escrow Terms: https://bruce.money/terms#escrow
How does an escrow deal work, step by step?
1) Create - as buyer, set amount, description, and additional terms. 2) Fund & lock - the Amount moves into the escrow contract (not yet to the seller). 3) Seller accepts - within the accept window, or you can reclaim if they decline or time out. 4) Delivery - seller delivers; they may mark delivered if inspection is on. 5) Release - you release when happy, or auto-release may apply after the release window if enabled and no dispute is open. When done, you can rate the seller.
Who is the buyer and who is the seller?
The buyer creates and funds the escrow and controls release (and can dispute). The seller accepts the deal, delivers the product or service, and receives Money when funds are released. Start Pay with Escrow from the other person’s profile or from an Offering on their profile.
What are accept, release, auto-release, and inspection windows?
Accept window: how long the seller has to accept after you fund. If they miss it, you can cancel and reclaim. Release window: time after acceptance before auto-release can apply (when auto-release is on). Auto-release: if enabled, funds can go to the seller after the release window when nothing is disputed. Inspection: optional review time after the seller marks delivered - use it to check work or product before you release. You can adjust these on the create screen; templates (Product, Service, Others) set sensible defaults.
Can I release escrow in stages?
Yes. Turn on Split payment when creating an escrow. Add stages with labels and percentage shares that total 100%. Funds for unfinished stages stay locked until you release each stage.
What if something goes wrong - cancel, decline, dispute, or refund?
Before the seller accepts, you can usually cancel and reclaim. The seller can decline; then you reclaim. After the deal is live, either party can raise a dispute - funds stay locked until you agree a settlement or Bruce reviews. The seller may cancel and refund the buyer when allowed. You can also propose a settlement (a percentage split) for the other party to accept. Full rules: https://bruce.money/terms#escrow
Are there fees for escrow?
Escrow is free. Bruce charges no fees to create, fund, release, or cancel an escrow - you pay $0. A fee applies only if a dispute is opened and Bruce reviews it: $10 or 1.5% of the transaction amount, whichever is higher. Dispute resolution is free for transactions up to $100.
Can I rate a seller after escrow?
Yes. After an escrow completes, the buyer can leave a star rating and optional comment. Reviews show on the seller’s profile. You can submit anonymously if you prefer.
Is escrow safe? Any tips?
Escrow holds the Amount in Bruce’s escrow contract on Base until release - it is not a bank deposit. It protects payment timing, not every risk of dealing with strangers. Only escrow with people you trust enough for the amount. Describe what’s included clearly. Agree to the Escrow Terms before locking or accepting: https://bruce.money/terms#escrow
What are Offerings on a profile?
Products or services you list so buyers can start Escrow with the price and description filled in. They’re on your profile - not a marketplace. Banned goods and Escrow Terms still apply. Manage them from You → Offerings.
What are Scheduled payments?
Scheduled payments set Money aside now so the recipient can receive it at a time you choose. Funds leave your available balance when the payment is confirmed and are held until claim, cancel (before the scheduled time), reclaim after the receive window if unclaimed, or dispute resolution. The recipient is not notified in-app until the scheduled time. Find them under Money → Scheduled. Creating one requires agreeing to the Scheduled Payment Terms: https://bruce.money/terms#scheduled-payments
How does a scheduled payment work, step by step?
1) Schedule - choose recipient, amount, and send time (at least 10 minutes ahead, within 365 days) and agree to the terms. 2) Set aside - your USDC is reserved when the schedule confirms. 3) Before send time - only you see it; you can cancel to get funds back. 4) At send time - the recipient is notified and can receive. 5) If they don’t receive within the receive window (typically 30 days), you can get the funds back. Full rules: https://bruce.money/terms#scheduled-payments
Can I set a payment reminder?
Yes. Open Payment reminders from Home shortcuts or Money. Choose a recipient, amount, and when to be reminded. When it fires, tap Send now - you always approve the payment. Cancel or snooze anytime. Reminders do not set money aside; use Scheduled payments if you want funds reserved now.
How do favourites help?
Save frequent payees so you can open their profile or send without searching each time.

Security & privacy

Wallet, login, and notifications

Who holds my wallet keys?
Bruce uses Privy embedded wallets on Base. Privy secures key material with distributed key shares and trusted execution environments; Bruce does not hold a traditional custodial vault of your keys and is not a bank. Your USDC lives at your wallet address on-chain - you authorize every send. You can export your private key from Settings → Advanced → Wallet → Export wallet, and verify balances on Basescan. Full legal detail: https://bruce.money/terms#self-custody-access. Privy security overview: https://docs.privy.io/security/wallet-infrastructure/architecture
What does self-custodial mean?
Self-custodial means you own the money on-chain. Bruce is users-first financial software - not a bank. Your USDC is in your wallet on the Base network at your wallet address, not in a Bruce deposit account. When you send, you authorize the transfer; Bruce does not take custody of your funds. On custodial platforms, the company holds keys and a shutdown or ban can block access - that is why “not your keys, not your coins” matters. With Bruce, you can export your wallet key and use any compatible wallet app. Learn more: https://finance.yahoo.com/personal-finance/investing/article/self-custody-wallet-130000280.html and https://trustwallet.com/blog/academy/global-crypto-regulation-in-2025-what-it-means-for-your-wallet. Full Bruce policy: https://bruce.money/terms#self-custody-access
What does Privy do?
Privy provides embedded wallet infrastructure inside Bruce. It lets you sign in with Google, Apple, or email without managing a seed phrase yourself, and secures key material using key sharding and trusted execution environments so keys are only reassembled when you authorize an action. Privy is not a bank or deposit-taker - you still own the USDC in your wallet. You can export your private key at any time while signed in (Settings → Export wallet). Privy docs: https://docs.privy.io/wallets/overview/embedded, https://docs.privy.io/wallets/overview/solutions/user-wallets, https://docs.privy.io/security/security-faqs. Transfer guide if you leave Bruce: https://privy-io.notion.site/Transferring-Your-App-Account-9dab9e16c6034a7ab1ff7fa479b02828. Export docs: https://docs.privy.io/wallets/wallets/export. Privy’s website: https://www.privy.io/
How do I export my wallet?
While signed in, open Settings → Advanced → Wallet → Export wallet. Privy opens a secure modal where only you can copy your private key - neither Bruce nor Privy sees the full key. Store it offline and never share it. Anyone with the key can move your funds. On mobile, use Export wallet (web) in Settings to open bruce.money/profile/settings. After export, import the key into MetaMask, Rainbow, or another wallet on Base Mainnet (chain ID 8453). Privy export docs: https://docs.privy.io/wallets/wallets/export. Step-by-step transfer guide: https://privy-io.notion.site/Transferring-Your-App-Account-9dab9e16c6034a7ab1ff7fa479b02828. MetaMask import: https://support.metamask.io/start/use-an-existing-wallet/. Full Terms: https://bruce.money/terms#self-custody-access
I lost my phone — how do I recover my Bruce account?
Sign in on a new device with the same Google, Apple, or email you used before (Privy links your wallet to that login). Link a recovery email in Profile → Recovery email if you have not already. If you cannot sign in, email support from the address on your account with your @username. Export your wallet key from Settings when signed in so you can access USDC on Base even if the app is unavailable. Never share OTPs or PINs with anyone claiming to be Bruce support.
I have USDC on Polygon — can Bruce move it to Base?
Bruce Money settles on Base only. We do not auto-migrate legacy Polygon USDC. Move funds with an official bridge or exchange into Base USDC at your Bruce wallet address (Settings → Advanced → Wallet). Verify the balance on Basescan after the transfer. Network and bridge fees are set by those providers, not Bruce.
What if Bruce stops working or is banned in my country?
Your USDC stays on the Base blockchain at your wallet address even if the Bruce app is down, restricted in your country, or Bruce stops operating. Bruce app access and on-chain wallet access are separate. Before or during an outage: (1) export your wallet key from Settings if you can still sign in; (2) verify your balance on Basescan using your wallet address from Settings; (3) import your exported key into another wallet on Base; (4) add native USDC if needed (contract on Basescan: https://basescan.org/token/0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913); (5) keep a small amount of ETH for network fees. Off-ramping to cash is your responsibility and subject to local law and third-party rules. Bruce may suspend app access for compliance (see Terms) without deleting on-chain assets. Continuity steps: https://bruce.money/terms#self-custody-access. Privy transfer guide: https://privy-io.notion.site/Transferring-Your-App-Account-9dab9e16c6034a7ab1ff7fa479b02828
How do I verify my balance on-chain?
Open Settings → Advanced → Wallet and copy your account address. Paste it into https://basescan.org to see your USDC balance independently of Bruce. Bruce Money is native USDC on Base (Circle contract: 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913). Token page: https://basescan.org/token/0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913. Official network list: https://developers.circle.com/stablecoins/docs/usdc-on-main-networks. If Bruce’s UI is unavailable, Basescan still shows your balance at the same address. Full detail: https://bruce.money/terms#self-custody-access
How do I delete my account?
Go to Settings → Delete account, or visit https://bruce.money/account-deletion. We remove your profile and app data from Bruce systems. Some records may be kept where required by law. On-chain history cannot be erased.
How do I stay signed in safely?
Sign in with Google, Apple, or email via Privy. Sign out from You on shared devices. Never share recovery codes or approve unexpected wallet prompts.
How do notifications work?
In-app notifications cover payments, messages, and requests. Enable push from Settings or Preferences where supported.

Referrals & troubleshooting

Invites and common issues

How do referrals work?
Open Refer friends from You and share your invite link. When someone joins with it, it counts toward your referrals.
A payment shows Failed. What should I do?
Failed means the transfer did not land. Open a support ticket with the amount and time. Successful sends show Success in Transactions.
My balance looks wrong.
Balances refresh from the network. Pull to refresh Home or Money. Confirm you’re viewing Money on Base. If it’s still off, contact support with details from Transactions.

Invoices

Create, send, and track invoices

How do I create an invoice?
Open Invoices, add the client, line items, amount, and due date, then send. Recipients pay from the link.
What do invoice statuses mean?
Draft isn’t sent. Sent means the client can pay. Paid updates when payment confirms. Overdue means the due date passed without payment.
India export paperwork on invoices
For export of services from India, add IEC, GSTIN, LUT or bond reference, HS code where applicable, and export purpose in the invoice note. Bruce does not file GST returns for you — keep copies for your CA. Issuer address country India shows a suggested note template in the invoice editor.
How do invoices fit Bruce for Business?
Invoices are how freelancers and companies get paid. Create an organization from the Business hub, set an optional pay page slug (bruce.money/b/your-slug), and manage invoices, checkout, and escrow there. Fees are shown before payment.

Treasury & export

Accounting exports and summaries

What is Treasury?
Treasury summarizes your transactions for accounting. Review volume and export records for bookkeeping.
How do I export for accounting?
Open Treasury, choose a date range, and generate a CSV. Download when the export completes.

Other

Anything else

I still need help. What next?
Open a ticket from Help with what you tried, when it happened, and any error text. Or email support@bruce.money.

Still stuck? Write to support@bruce.money or contact us.