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Lucid Trading Payout Methods: How to Withdraw Your Profits

Written by Paul

Published on

December 29, 2025

Lucid Trading supports three payout methods: Plaid for instant US bank transfers, WorkMarket by ADP for US and international bank transfers or PayPal, and cryptocurrency (coming soon). Understanding withdrawal options before getting funded prevents delays when requesting your first payout.

This guide covers every payout method, setup instructions, processing times, and strategic considerations for choosing the right withdrawal option.

Quick heads-up: This article is based on my real experience with Lucid Trading and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check Lucid Trading´s website or their help center.

Lucid Trading Payout Methods Overview

Plaid (US Only):

Instant bank transfers to US-based traders
Direct connection to your US bank account
Fastest withdrawal method available
Setup through Lucid dashboard

WorkMarket by ADP (US + International):

Available to all traders globally
Withdraw via bank transfer or PayPal
Funds received as early as next business day
Supports international banking systems

Cryptocurrency (Coming Soon):

Not yet available
Timeline not specified
Expected to support Bitcoin, Ethereum, USDT (speculation)

Plaid: Instant US Bank Transfers

Plaid enables instant bank-to-bank transfers for US traders, providing the fastest access to profits. Funds transfer directly from Lucid to your connected US bank account within minutes to a few hours.

Availability: US traders with accounts at Plaid-supported banks (12,000+ institutions including Chase, Bank of America, Wells Fargo, credit unions, online banks like Ally and Chime).

Setup (5-10 minutes):Dashboard → Payouts → Add Bank Account → Select Plaid → Choose your bank → Enter online banking credentials (secure) → Select checking/savings → Verify

Some banks require micro-deposit verification (1-2 business days). Most offer instant verification.

Processing: Instant to same-day. Most transfers complete within 1-3 hours. Maximum 4-8 hours for slower banks.

Pros: Fastest method available. Direct deposits, no intermediary. Works with virtually all US banks.

Cons: US-only. Requires sharing online banking credentials (though Plaid is secure).

WorkMarket by ADP: US & International Payouts

WorkMarket provides withdrawal flexibility through bank transfers and PayPal, supporting both US and international traders. This serves as Lucid's primary international payout solution.

Availability: All traders globally in non-restricted countries.

Bank transfer option:Direct transfers to accounts worldwide. Provide account number, routing/SWIFT/IBAN codes, bank details. WorkMarket handles currency conversion for non-USD accounts using standard banking rates.

Processing: US domestic (next business day), international (1-3 business days).

PayPal option:Link PayPal to WorkMarket for payouts directly to PayPal balance. Works in 190+ countries. Process within 1-2 business days. Then transfer to bank (3-5 days standard, instant for 1.75% fee) or spend with PayPal debit card.

Setup (15-30 minutes first time):Request payout → Receive WorkMarket email → Create account → Complete profile (name, address, tax info) → Add bank account or PayPal → Verify identity (ID upload) → Approve payout

Processing: Next business day (US bank), 1-3 business days (international bank), 1-2 business days (PayPal).

Pros: Global availability. Bank or PayPal flexibility. Reliable ADP infrastructure.

Cons: Slower than Plaid for US traders. Separate account setup required. PayPal withdrawal fees apply. International transfers may involve currency conversion and intermediary bank fees.

Cryptocurrency Payouts: Coming Soon

Lucid lists crypto as "coming soon" without specifying timeline or supported currencies. Based on industry trends, likely BTC, ETH, and stablecoins (USDT/USDC).

Expected pros: Faster international transfers, lower fees than wire transfers, greater privacy, hold funds in crypto.

Expected cons: Volatility (non-stablecoins), tax complexity, requires crypto wallet, conversion fees to fiat.

Until launch, use WorkMarket then purchase crypto separately through exchanges.

Choosing the Right Method

US traders: Use Plaid for speed (instant to same-day, typically 2-4 hours from request to bank). Enables same-day access to profits.

Use WorkMarket if you can't/won't connect bank credentials to Plaid, prefer PayPal, or experience Plaid verification issues.

International traders: WorkMarket is your only option. Choose bank transfer (1-3 days, direct to bank) or PayPal (1-2 days to PayPal, then transfer to bank).

PayPal works better in countries with slow/expensive banking (Latin America, Africa, parts of Asia) where wires take 5-7 days and cost $30-$50. PayPal's 1-2 day processing beats traditional banking timelines.

Bank transfer works better in countries with modern banking (UK, EU, Australia, Canada) for direct deposits without PayPal's fees and conversion spreads.

Fee considerations: Check incoming wire fees ($10-$25 international), PayPal withdrawal fees (1-3% by country), and currency conversion. A $1,000 payout might become $950-$970 after fees. Compare total cost.

Common Payout Issues

Plaid connection failures: Some banks require 1-2 day micro-deposit verification instead of instant verification. If your bank isn't listed, use WorkMarket.

WorkMarket identity verification delays: Manual verification adds 1-3 business days if automatic checks fail. Upload clear ID documents and ensure legal name matches across all accounts.

PayPal limitations: PayPal occasionally limits accounts receiving business payments. Verify PayPal with ID and linked bank. Business PayPal accounts work better than personal for recurring payouts.

International bank delays: Provide accurate SWIFT/IBAN codes and complete bank addresses. Missing/incorrect information causes rejections.

Currency conversion costs: Compare conversion rates—WorkMarket bank transfer (standard banking rates), PayPal (3-4% above spot), or local bank (varies).

Payout Processing Timeline

Plaid (US): Same day (typically 1-8 hours total)WorkMarket bank (US): 1-2 business daysWorkMarket bank (International): 2-4 business daysWorkMarket PayPal: 2-3 business days

Bottom Line

Lucid's payout options prioritize speed for US traders (Plaid instant) while maintaining global access through WorkMarket (bank/PayPal for international).

US traders should use Plaid for fastest access—instant to same-day beats all alternatives. International traders should compare WorkMarket bank versus PayPal based on local banking, fees, and currency preferences.

Crypto payouts remain in development with no confirmed launch date. Traders requiring crypto liquidity must withdraw via WorkMarket, then purchase crypto separately.

Set up your preferred method (Plaid or WorkMarket) before requesting first payout to avoid delays. Factor processing times, fees, and currency conversion costs into your withdrawal strategy.