# Fluidkey Documentation

> Documentation for the Fluidkey interface: private, self-custodial onchain accounts, receiving and sending funds, and technical architecture.

## Docs

- [Terms & Conditions](/frontier-boost-terms): Campaign open to select users who have completed identity verification (KYC).
- [Frontier Campaign Terms & Conditions](/frontier-campaign-terms): Campaign open to select users who have completed identity verification (KYC).
- [Tokenised Stock Sprint Campaign - Terms & Conditions](/stock-sprint-terms): The APY rewards apply to tokenised stock holdings calculated on a rolling weekly basis. Rewards are calculated using your 7-day average tokenised stock balance and made claimable each week. Rewards are distributed in USDC on the Base network. Users must manually claim rewards in the "+" section within 3 days of each weekly distribution.
- [條款與條件](/zh-TW/frontier-boost-terms): **活動資格** 本活動僅限特定用戶參與，須完成身份驗證（KYC）。
- [Frontier 活動條款與條件](/zh-TW/frontier-campaign-terms): 活動資格：本活動僅限特定用戶參與，須完成身份驗證（KYC）。
- [Fluidkey 主頁](/zh-TW): 歡迎來到 Fluidkey，你的理財基地。
- [Tokenised Stock Sprint 獎勵活動 - 條款與條件](/zh-TW/stock-sprint-terms): APY 獎勵適用於每週滾動計算的代幣化股票持倉。獎勵依據您 7 日的平均代幣化股票餘額計算，並於每週開放領取。獎勵將以 Base 鏈上的 USDC 做發放，用戶須在每週獎勵發放後的 3 日內，於「+」頁面手動領取獎勵。
- [ENS 鏈下解析器（Offchain Resolver）](/zh-TW/technical-documentation/ens-offchain-resolver): [ENS 鏈下解析器](https://docs.ens.domains/learn/ccip-read#offchain-resolution)在 Fluidkey 的使用者體驗中扮演關鍵角色：在維持良好體驗與相容性的同時，產生保護隱私的地址。與每次解析都須寫入鏈上紀錄的傳統解析器不同，Fluidkey 的做法主要在鏈下完成，可**大幅降低手續費與延遲**，也是唯一能**藉由鏈下解析維持預期隱私水準的方式。Coinbase 的 cb.id、Uniswap 的 uni.eth 等服務亦採用鏈下解析**；Fluidkey 則進一步利用鏈下解析來強化隱私，這是其他系統所不具備的特點。
- [Stealth Account Initdata（初始化資料）](/zh-TW/technical-documentation/stealth-account-initdata): 當**自動收益**功能關閉時，Fluidkey **不會**使用任何 initdata。
- [技術導覽](/zh-TW/technical-documentation/technical-walkthrough): 本導覽說明 Fluidkey 的核心密碼學功能；相關程式碼以[開放程式庫](https://github.com/fluidkey/fluidkey-stealth-account-kit)釋出。
- [建立帳戶](/zh-TW/readme/account-set-up): Fluidkey 採自託管機制，由使用者自行持有資金私鑰。我們打造僅是應用程式，且永遠無法動用你的資金。即使 Fluidkey 明天消失，你依然可以存取自己的帳戶。
- [進階隱私功能](/zh-TW/readme/advanced-privacy): 此功能由 [Houdini Swap](https://houdiniswap.com/) 提供。Houdini Swap 是一款具備獨特[隱私模式](https://docs.houdiniswap.com/houdini-swap/private-swaps/private-mode)的交易聚合器：資金會經由兩家交易所進行路由，藉此切斷原始地址與新入金地址之間的鏈上關聯。
- [銀行轉帳](/zh-TW/readme/bank): 只需幾分鐘即可開通帳戶，開始透過任何銀行收發美元與歐元轉帳。收到的款項將自動以 USDC 形式存入您的自託管 Fluidkey 帳戶，並以保護隱私的方式處理。
- [自動收益（Auto-earn）](/zh-TW/readme/earn): Fluidkey 自動收益功能讓您的帳戶在收到特定代幣後，即可自動開始為選定的代幣賺取收益。
- [匯出交易](/zh-TW/readme/exporting-transactions): 若要匯出交易紀錄，請前往 **活動（Activity）** 區塊上方。
- [整合](/zh-TW/readme/exporting-transactions): 透過[此連結](https://www.cointracker.io/home?add_integration=fluidkey_exchange)即可將 Fluidkey 的交易匯入 CoinTracker。
- [費用總覽](/zh-TW/readme/fee-structure): 為了讓您更清楚 Fluidkey 的各項費用與收費方式，我們整理了這份說明文件。以下涵蓋鏈上網路手續費、法幣出入金、自動收益與美股代幣交易等項目的收費規則，協助你安心使用 Fluidkey 的各項服務。
- [常見問題](/zh-TW/readme/frequently-asked-questions): <summary>Fluidkey 可以用來做什麼？</summary>
- [什麼是 Fluidkey Frontier？](/zh-TW/readme/frontier): Fluidkey Frontier 是我們的終身 VIP 會員計劃，專為與我們一同打造隱私自託管金融未來的用戶而設。
- [標籤（Labels）](/zh-TW/readme/labels): 透過標籤，你可以決定 **每一筆對外交易** 要動用哪些資金，從而掌握隱私。例如將收款分別標記為 `clients`、`personal`、`investments`，並限制在某筆交易中僅使用標記為 `clients` 的資金。
如此一來，該筆交易的收款方只會看到來自你標記為 ˋclientsˋ 的資金來源。我們的演算法也會從所有標記為 `clients` 的交易中，自動計算出最能保護隱私的發送路徑。
- [兩步驟驗證（MFA）](/zh-TW/readme/multi-factor-authentication): Fluidkey 支援兩步驟驗證，防止未經授權的存取，並在高額交易前增加確認步驟。啟用後，**還原帳戶**、進行**任何轉帳**，以及**匯出金鑰**前皆須通過驗證。
- [接收資金](/zh-TW/readme/receiving-funds): 透過 Fluidkey，你可以接收並管理 ETH、USDC，以及任何其他 [ERC-20 代幣](https://ethereum.org/en/developers/docs/standards/tokens/erc-20/)。
- [資金復原](/zh-TW/readme/recovery): 若未透過 Fluidkey 介面即將資金移出隱匿地址，可能導致 Fluidkey 介面內部分功能異常。請僅在需要驗證地址、以測試帳戶演練復原流程，或作為最後手段取回資金時使用本介面。
- [Fluidkey Score](/zh-TW/readme/score): [閱讀公告](https://www.fluidkey.com/blog/fluidkey-score)
- [發送資金](/zh-TW/readme/sending-funds): 您可點選任一代幣餘額旁的 ↗ 箭頭，從該代幣發起轉帳。
- [代幣化股票](/zh-TW/readme/tokenized-stocks): Fluidkey 上顯示的代幣化股票由 [Ondo Global Markets](https://docs.ondo.finance/ondo-global-markets/overview) 發行。Fluidkey 是一個自託管錢包介面，本身不發行、不託管、也不為這些資產提供背書擔保，亦非券商。發行方為 Ondo，您的代幣則全程保管於您自己的帳戶中。
- [如何在 Fluidkey 上完成 KYC](/zh-TW/guides/how-to-complete-kyc-on-fluidkey): Fluidkey 整合了 Bridge 的銀行基礎設施，讓使用者能直接在 App 內串接傳統金融服務，無需在多個平台之間來回切換。透過這項整合，你可以用自己的名義開立銀行帳戶，直接接收美元或歐元、或透過 ACH / IBAN 將資金匯出至外部銀行帳戶——所有操作皆在 Fluidkey 的自託管架構下進行，資金始終由你掌控。
- [建立 Fluidkey 帳戶：新手入門指南](/zh-TW/guides/how-to-create-fluidkey-account): Fluidkey 採用**自託管（Self-Custody）機制**，意即你的帳戶資金由你自己持有與掌控——Fluidkey 提供的是應用程式介面與功能服務，但無法存取或動用你的資金。你的私鑰完全由你持有，不經過任何第三方。
- [將加密貨幣轉入與轉出 Fluidkey](/zh-TW/guides/how-to-deposit-withdraw-crypto-with-fluidkey): 透過 Fluidkey，你可以接收、管理並發送 ETH、USDC，以及任何其他 ERC-20 代幣。和一般錢包不同的是，即使是使用 ENS，Fluidkey 也會讓每筆收款使用新的地址，幫助你降低不同鏈上交易被外部觀察者互相連結的可能性。
- [補充：跨鏈轉入加密貨幣至 Fluidkey](/zh-TW/guides/how-to-deposit-withdraw-crypto-with-fluidkey): 收款地址：貼上從 Fluidkey 複製的地址
- [透過 Fluidkey 免費出入金盈透證券教學](/zh-TW/guides/how-to-fund-ibkr-with-fluidkey): 在您的 Fluidkey 帳戶中，USDC 會以 1:1 的比例視為美元（USD），您可以用它在 Fluidkey 餘額與外部銀行帳戶之間進行美元的入金（on-ramp）或出金（off-ramp）。
- [如何透過 Fluidkey 與 Wise 進行美元出入金](/zh-TW/guides/how-to-fund-wise-with-fluidkey): 在您的 Fluidkey 帳戶中，USDC 以 1:1 的比例視為美元（USD）。您可以透過此餘額，在 Fluidkey 與外部銀行帳戶之間進行美元的入金（on-ramp）與出金（off-ramp）。
- [使用 ENS 轉帳：讓加密貨幣轉帳更簡單](/zh-TW/guides/how-to-send-with-ens): **什麼是 ENS？**
- [使用指南](/zh-TW/guides): 這裡整理了常見操作教學，協助你一步步完成設定與資金流程。
- [代幣化美股強勢上線｜華語區徵稿活動＋推薦獎勵計劃](/zh-TW/community-events/fluidkey-story-campaign): Fluidkey 第二波華語區徵稿活動正式開始！這一次，我們想邀請你分享自己使用 Fluidkey 的真實經驗，以及你對代幣化美股上線後的心得和期待。
- [社群活動](/zh-TW/community-events): 這裡整理 Fluidkey 華語社群的活動公告與參與資訊。
- [ENS Offchain Resolver](/technical-documentation/ens-offchain-resolver): An [ENS Offchain Resolver](https://docs.ens.domains/learn/ccip-read#offchain-resolution) represents a crucial part of Fluidkey's UX, facilitating the generation of privacy-preserving addresses while keeping a great UX and compatibility. Unlike traditional resolvers that require each transaction to be recorded on the blockchain, Fluidkey's solution operates offchain. This approach significantly reduces transaction fees and processing times, and it's the only way to maintain privacy. Other ENS systems like Coinbase's cb.id and Uniswap's uni.eth also use offchain resolvers, Fluidkey is however the only system that also provides enhanced privacy through an offchain resolver.
- [Stealth Account Initdata](/technical-documentation/stealth-account-initdata): Fluidkey does not use any initdata when the auto-earn feature is disabled.
- [Technical Walkthrough](/technical-documentation/technical-walkthrough): This walkthrough provides background on Fluidkey's core crypto functions, which are released as an [open source kit](https://github.com/fluidkey/fluidkey-stealth-account-kit).
- [Account Set-up](/readme/account-set-up): Fluidkey is self-custodial - you hold the keys to your money. We build the app, but we can never touch your funds. Even if Fluidkey disappeared tomorrow, you could still access your account if you have a backup.
- [Advanced Privacy Features](/readme/advanced-privacy): This feature is powered by [Houdini Swap](https://houdiniswap.com/), a swap aggregator with a unique [private mode](https://docs.houdiniswap.com/houdini-swap/private-swaps/private-mode) that routes funds through two exchanges to remove the link between your existing address and the newly funded one.
- [Bank Transfers](/readme/bank): Get an account in minutes and start receiving & sending USD & Euro transfers from any bank. Incoming transfers will automatically be deposited as USDC into your self-custodial Fluidkey account in a privacy-preserving manner.
- [Auto-earn](/readme/earn): Fluidkey auto-earn allows you to earn yield on selected tokens as soon as they are added to your account.
- [Exporting transactions](/readme/exporting-transactions): To export your transactions, go to the top of the Activity section.
- [Integrations](/readme/exporting-transactions): Use [this link](https://www.cointracker.io/home?add_integration=fluidkey_exchange) to import your Fluidkey transactions into CoinTracker.
- [Fee Structure Overview](/readme/fee-structure): To help you better understand Fluidkey's fees and how they are charged, we've prepared this overview. It covers the fee structures for on-chain gas fees, fiat deposits and withdrawals, Auto-Earn, and tokenized U.S. stock trading, so you can use Fluidkey's services with full confidence.
- [Frequently Asked Questions](/readme/frequently-asked-questions): <summary>What can Fluidkey be used for?</summary>
- [What is Fluidkey Frontier?](/readme/frontier): Fluidkey Frontier is our lifetime VIP membership, built for the users shaping the future of private, self-custodial finance with us.
- [Labels](/readme/labels): Fluidkey uses stealth addresses, generating a new address for every payment you receive to protect your privacy. For users with advanced privacy needs, we also offer labels, giving you more flexible control over how you manage addresses and payments, and deeper control over your financial privacy.
- [Multi-Factor Authentication (MFA)](/readme/multi-factor-authentication): Fluidkey supports multi-factor authentication to protect your account from unauthorized access and to add a confirmation step before high-value transactions. When enabled, MFA is required to restore your account, before any transfer, and before exporting your keys.
- [Receiving Funds](/readme/receiving-funds): With Fluidkey, you can receive and manage ETH, USDC, and any other [ERC-20 token](https://ethereum.org/en/developers/docs/standards/tokens/erc-20/).
- [Recovery](/readme/recovery): Moving funds out of a stealth address without using the Fluidkey UI may lead to loss of functionality within the Fluidkey UI. Only use this interface to verify addresses, test the recovery process with a test account, or as a last resort to recover funds.
- [Fluidkey Score](/readme/score): [Read the announcement here](https://www.fluidkey.com/blog/fluidkey-score)
- [Sending Funds](/readme/sending-funds): You can send funds from any of your available tokens by pressing the ↗ arrow next to the balance of your choice.
- [Tokenized Stocks](/readme/tokenized-stocks): The tokenized stocks shown in Fluidkey are issued by [Ondo Global Markets](https://docs.ondo.finance/ondo-global-markets/overview). Fluidkey is a non-custodial interface: it does not issue, custody, or back these assets, and is not a broker. Ondo is the issuer, and your tokens stay in your own account at all times.
- [How to Complete KYC on Fluidkey](/guides/how-to-complete-kyc-on-fluidkey): Fluidkey integrates Bridge’s banking infrastructure, allowing users to access traditional financial services directly within the app without switching between multiple platforms. Through this integration, you can open a bank account under your own name, receive USD or EUR directly, and send funds to external bank accounts via ACH or IBAN.
- [How to Create a Fluidkey Account](/guides/how-to-create-fluidkey-account): Fluidkey uses a self-custody mechanism, which means users hold the private keys to their account funds themselves. We provide the application and user interface, but we cannot directly access or move your funds.
- [Deposit and Withdraw Cryptocurrency with Fluidkey](/guides/how-to-deposit-withdraw-crypto-with-fluidkey): With Fluidkey, you can receive, manage, and send ETH, USDC, and any other ERC-20 token. Unlike regular wallets, Fluidkey generates a new address for each incoming payment even when using ENS, helping reduce the possibility of different on-chain activities being linked together by outside observers.
- [Additional Guide: Cross-Chain Crypto Deposits to Fluidkey](/guides/how-to-deposit-withdraw-crypto-with-fluidkey): **Receiving address:** Paste the address copied from Fluidkey
- [How to Fund and Withdraw Your IBKR Account Using Fluidkey with No Fees](/guides/how-to-fund-ibkr-with-fluidkey): In your Fluidkey account, USDC is treated as USD on a 1:1 basis, which you can use to on-ramp or off-ramp USD between your Fluidkey balance and an external bank account.
- [How to Fund Your IBKR with Fluidkey](/guides/how-to-fund-ibkr-with-fluidkey): After completing registration, IBKR will first prompt you to link a bank account.\
At this step, you need to enter your **Routing Number** and **Account Number**.
- [How to Withdraw from IBKR to Fluidkey](/guides/how-to-fund-ibkr-with-fluidkey): Withdrawing funds from IBKR (Interactive Brokers) to Fluidkey is quick and straightforward. Follow the steps below to get started.
- [How to Deposit and Withdraw USD with Fluidkey and Wise](/guides/how-to-fund-wise-with-fluidkey): In your Fluidkey account, USDC is treated as US dollars (USD) at a 1:1 ratio. You can use this balance to on-ramp or off-ramp USD between Fluidkey and external bank accounts.
- [Send with ENS: Making Crypto Transfers Simpler](/guides/how-to-send-with-ens): **What is ENS?**
- [Guides](/guides): This section collects practical tutorials to help you complete setup and funding flows step by step.