PAN
Permanent Account Number. Required at sign-up. The name on PAN must match the name on the bank account that handles withdrawal. Mismatch is the single most common KYC hold-up.
Wecap wallet and KYC
Wallet, KYC, and the withdrawal timeline — verified, not invented.
Wecap's wallet carries deposits, contest entry, and withdrawal. KYC gates the first withdrawal. This page documents the PAN, Aadhaar, UPI, and bank-linking steps, and the T+1 to T+3 settlement norm on first withdrawal.
18+ only
Permitted states
Responsible play
KYC documents
Customer care →
What you need, and why.
Aadhaar
Required before the first withdrawal. Aadhaar can be uploaded as an XML (the masked download from uidai.gov.in) or as a masked image of the card. Full Aadhaar is never stored.
Bank account
Required for withdrawal only. The IFSC, account number, and the name on the account are verified against the PAN. Penny-drop verification confirms the account is live.
UPI handle
Used for deposit and (where supported) withdrawal. UPI handles are linked to a bank account; withdrawal to UPI returns to the linked bank handle.
Selfie verification
A live selfie is captured at sign-up to match against the PAN photograph. The image is hashed and stored against the account, never shared.
Re-verification triggers
Ninety days of inactivity triggers re-verification. A change of device, mobile number, or email triggers re-verification. Withdrawal to a new bank handle triggers re-verification.
Withdrawal timeline
What to expect, in plain numbers.
First withdrawal
T+1 to T+3 after KYC re-verification. The first request always triggers KYC review. Subsequent requests on the same bank handle complete faster.
UPI withdrawal
Twenty-four hours on most banks. The withdrawal returns to the same UPI handle used for deposit, where supported.
Bank transfer
T+1 to T+2 on most banks after the first verification. IMPS on supported banks completes within thirty minutes during business hours.
Withdrawal cap
The operator sets a per-transaction cap and a daily cap. Verify inside the app under Wallet → Withdrawal. The desk does not publish a static cap.
Common hold-ups
Why withdrawals queue.
PAN-bank name mismatch
The single most common cause. The name on PAN must match the name on the bank account to the character. Re-submit the bank details or update PAN records first.
Aadhaar not verified
The first withdrawal requires Aadhaar. Aadhaar XML or masked image accepted. Full Aadhaar is never accepted. Verification completes in fifteen minutes typically.
Bonus rollover incomplete
If the withdrawal is partly bonus-derived, the bonus rollover must be complete. Unfinished rollover holds the bonus portion until the rollover clears.
Inactivity re-verification
Ninety days of inactivity triggers re-verification. Withdrawal requests during re-verification queue until the re-verification completes.
Restricted state
If the account moves to a restricted state, withdrawal still completes for prior balances, but new contest entry is blocked.
Bank downtime
Most banks have a short nightly maintenance window. Withdrawals placed during that window queue for the next business morning.
FAQ — Wallet and KYC
Six short answers about verification and withdrawal.
How long does KYC take?
PAN verification at sign-up is instant. Aadhaar verification takes fifteen minutes typical. Bank linking takes one to two working hours during business hours.
What documents do I need?
PAN (required at sign-up), Aadhaar (XML or masked; required for first withdrawal), bank account details (for withdrawal), and a live selfie for photograph match.
Why is my withdrawal pending?
Most pending withdrawals are KYC re-verification holds. The first withdrawal always triggers re-verification. Subsequent withdrawals on the same bank handle complete faster.
Can I withdraw to a different bank than I deposited from?
Yes, but the new bank handle triggers KYC re-verification. The first withdrawal to a new bank handle runs the same T+1 to T+3 timeline as the first withdrawal ever.
What is the withdrawal cap?
The operator sets per-transaction and daily caps. Verify inside the app under Wallet → Withdrawal. The desk does not publish a static cap.
Is my PAN data safe?
Wecap uses audited KYC partners. PAN is stored hashed against the account. The KYC partner's storage is SOC-2 audited. The desk has no access to the underlying KYC data.
Today's the day
Verify inside the app. Then build your team.
Wecap publishes what the desk has read and verified. Deposit limits, contest structures, and welcome terms are governed by the operator — confirm inside the app before you commit.