Since launching the Chia Cloud Wallet, it’s been exciting to see everyone digging into it! We’ve been keeping track of the feedback and questions and compiled answers for a few of the FAQs we’ve seen. If you have a question that isn’t on the list, send it our way and we’ll do our best to get it answered!
Frequently Asked Questions
What’s new in this release?
This release adds Buy XCH via ACH bank transfers, Coin Management, Offer Coin Reservation and in-app Bug Reporting.
Who can use Buy XCH?
Buy XCH is currently available for users with US based, ACH-enabled bank accounts. We’re working to expand to other regions.
How does the Buy XCH Process work?
Securely link your bank account and complete a purchase in the Cloud Wallet. A clawback transaction appears in your vault immediately. A day or so after the payment is initiated, the funds will leave your bank. Once your payment settles (usually within four business days) the clawback transaction is finalized and your XCH is ready to spend.
Why do I see a “pending” transaction in my vault?
XCH purchase transactions use Chia’s Clawback 2.0 feature, which ensures that if your bank payment doesn’t clear, the transaction can be safely reversed.
What does “Finalizing“ a Clawback Transaction mean?
Unlike the original implementation of Clawback, Clawback 2.0 lets the sender finalize a transaction early, immediately releasing the funds to the recipient. This enhanced flexibility is used in Buy XCH to complete your transaction as soon as your bank payment clears.
What are the purchase limits for Buy XCH?
Users currently have a minimum of $25 and a daily maximum of $100. These limits help keep the system stable and secure during rollout.
What is Coin Management?
Coin Management lets you view, split, and combine coins in your vault, helping you keep transactions efficient and your vault organized.
What does Offer Coin Reservation do?
If an appropriately sized coin doesn’t exist in your vault when creating an offer, a larger coin is automatically split into two coins, one of which will be the correct size, ensuring the offer does not lock larger coins in your vault.
Will using Coin Management cost anything?
Like all on-chain actions, these operations require a small blockchain fee.
Is this still Early Access?
No — this release marks the transition to General Release.
Will multi-sig vaults be available soon?
Yes. Multi-sig vaults are in active development and coming soon.
Do I need to migrate my existing vault?
No migration is needed. All existing vaults will continue to work with the new features.
What makes the Cloud Wallet a self-custody solution?
You always control your private keys, they’re never stored by the Chia Cloud Wallet. Vaults, recovery options, and the Chia Signer app together ensure only you can access and manage your funds.
What happens if I lose my device or signer?
Recovery tools and third-party recovery (coming soon) are designed to help you safely restore access to your vault.
Is the Cloud Wallet free to use?
Yes. All core features are available on the free plan. The upcoming Pro plan will offer advanced tools like multi-sig, token management, and bulk payments.
We’re always looking to make improvements where we can and your experiences help, so please keep the questions and the feedback coming!
Updated Nov 17, 2025 to clarify the explanation of Offer Coin Reservations.