USD Rail

The USD Rail enables pay-ins and pay-outs from stablecoins to USD. It also enables Virtual Accounts for recurring payments.

Payment Methods

Payment Method	Direction	Typical Duration
Wire	Payin, Payout	< 1 business day
ACH	Payin, Payout	1-3 business days
SWIFT	Payout	1-5 business days
RTP	Payin, Payout	Instant

SWIFT cut-off times: SWIFT operates Monday to Friday. The daily cut-off time is 11:30 AM EST; any transactions processed after this time will be queued for processing at approximately 2:00 AM EST the following business day. Saturday and Sunday are treated as non-working days.

Currency Support

Country	Currency	Direction	Payment Methods
United States	USD	Payin, Payout	Wire, ACH, RTP, SWIFT(Payout-only)
United Arab Emirates	USD	Payout	SWIFT
Australia	USD	Payout	SWIFT
Austria	USD	Payout	SWIFT
Belgium	USD	Payout	SWIFT
Canada	USD	Payout	SWIFT
Estonia	USD	Payout	SWIFT
Finland	USD	Payout	SWIFT
France	USD	Payout	SWIFT
Germany	USD	Payout	SWIFT
Greece	USD	Payout	SWIFT
India	USD	Payout	SWIFT
Ireland	USD	Payout	SWIFT
Italy	USD	Payout	SWIFT
Japan	USD	Payout	SWIFT
Lithuania	USD	Payout	SWIFT
Luxembourg	USD	Payout	SWIFT
Mexico	USD	Payout	SWIFT
Malaysia	USD	Payout	SWIFT
Netherlands	USD	Payout	SWIFT
New Zealand	USD	Payout	SWIFT
Norway	USD	Payout	SWIFT
Oman	USD	Payout	SWIFT
Philippines	USD	Payout	SWIFT
Portugal	USD	Payout	SWIFT
Slovenia	USD	Payout	SWIFT
Spain	USD	Payout	SWIFT
United Kingdom	USD	Payout	SWIFT
Colombia	USD	Payout	SWIFT
Guatemala	USD	Payout	SWIFT
Uruguay	USD	Payout	SWIFT

USD SWIFT payouts are currently limited to senders based in the United States. For other regions, please use the Global Network rail.

Individual

The USD rail for individual users requires comprehensive KYC (Know Your Customer) verification to comply with US financial regulations.

KYC Fields

Field	Description	Required
firstName	User’s first name	Required
lastName	User’s last name	Required
email	User’s email address	Required
phone	User’s phone number	Required
address	The address the user currently resides. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2	Required
nationality	User’s nationality	Required
dateOfBirth	User’s date of birth	Required
taxIdentificationNumber	For individual US customers, this has to be SSN or ITIN	Required
documents	Refer to the Documents section	Required

Documents

Document Group	Min Count	Document Types	Required
identity	1	DRIVERS, ID_CARD, PASSPORT, RESIDENCE_PERMIT	Required
proofOfResidence	1	UTILITY_BILL, BANK_STATEMENT, RENTAL_AGREEMENT, TAX_DOCUMENT, VOTER_REGISTRATION_CARD, BANK_REFERENCE_LETTER, LEASE_OR_TENANCY_AGREEMENT, PROOF_OF_ADDRESS, DRIVERS (US and Canada Only) , ID_CARD (US and Canada Only), RESIDENCE_PERMIT (US and Canada Only)	Required

Document types

Document Type	Description
DRIVERS	Drivers license
ID_CARD	Identification card
PASSPORT	National passport
RESIDENCE_PERMIT	Residence permit or document

Business

The USD rail for business users requires comprehensive KYB (Know Your Business) verification to comply with US financial regulations.

KYB Fields

Fields	Description	Required
businessName	The full legal name of the business	Required
businessIndustry	The industry in which this business operates. Click here for the complete list of valid industries and codes	Required
businessType	The type of business structure	Required
registrationNumber	Business Registration Number	Required
address	Business address. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2	Required
registeredAddress	The official registered office address of the business as filed with the government authority in its jurisdiction of incorporation. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2	Required
incorporationDate	Date when the business was incorporated	Required
email	Business email address	Required
phone	Business phone number	Required
taxIdentificationNumber	Company tax number. For US business, EIN has to be provided	Required
website	Business website URL	Required
incorporationCountry	Country where the business was incorporated
incorporationState	State where the business was incorporated
sofEuQuestionnaire	Refer to the Source of Funds and Expected Use section	Required
documents	Refer to the Documents section	Required
ultimateBeneficialOwners	Refer to the Ultimate Beneficial Owners section	Required

Questionnaire

Fields	Description	Required
primaryPurpose	What is the primary purpose of the customer’s account?	Required
primaryPurposeOther	Required if the primary purpose is ‘other’
sourceOfFunds	What is the source of funds for the customer’s account?	Required
sourceOfFundsDescription	Additional description of the source of funds
transmitsCustomerFunds	Does the business transmit customer funds? (boolean)	Required
transmitsCustomerFundsDescription	Description of how customer funds are transmitted
conductsMoneyServices	Does the business conduct money services? (boolean)	Required
highRiskActivities	List of high-risk activities the business is involved in (array)	Required
estimatedAnnualRevenueUsd	Estimated annual revenue in USD	Required
expectedMonthlyPaymentsUsd	Expected monthly volume of payments in USD	Required
customerFundsDescription	Description of how customer funds are handled	Required
operatesInProhibitedCountries	Does the business operate in prohibited countries?

Documents

Document Group	Min Count	Document Types	Required
legalPresence	1	INCORPORATION_ARTICLES, INCORPORATION_CERT, STATE_REGISTRY	Required
ownershipStructure	1	SHAREHOLDER_REGISTRY, TRUST_AGREEMENT, INFORMATION_STATEMENT, STATE_REGISTRY	Required
companyDetails	1	PROOF_OF_ADDRESS	Required
controlStructure	1	DIRECTORS_REGISTRY, TRUST_AGREEMENT, INFORMATION_STATEMENT, STATE_REGISTRY	Required

Document types

| Document Type | Description | | :--------------------- | :--------------------------------- | | INCORPORATION_ARTICLES | Incorporation articles document | | INCORPORATION_CERT | Incorporation certificate document | | STATE_REGISTRY | State registry document | | SHAREHOLDER_REGISTRY | Shareholder registry document | | TRUST_AGREEMENT | Trust agreement document | | INFORMATION_STATEMENT | Information statement document | | PROOF_OF_ADDRESS | Proof of address document | | DIRECTORS_REGISTRY | Directors registry document |

UBOs

Role Requirements: The combined roles across all provided UBOs must include at least one DIRECTOR and one UBO.

Share Threshold: Only UBOs with a share proportion greater than 25% need to be provided.

Fields	Description	Required
roles	Array of roles (e.g., DIRECTOR, UBO). Combined roles across all UBOs must include at least one DIRECTOR and one UBO	Required
businessTitle	UBO’s business title	Required
firstName	UBO’s first name	Required
middleName	UBO’s middle name
lastName	UBO’s last name	Required
nationality	UBO’s nationality	Required
email	UBO’s email address	Required
phone	UBO’s phone number	Required
address	The address where the UBO currently resides. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2	Required
dateOfBirth	UBO’s date of birth	Required
taxIdentificationNumber	UBO’s tax identification number	Required
shareProportion	UBO’s share proportion in the business	Required
relationshipEstablishedAt	Date when the relationship was established	Required
documents	Identity documents. Required: minimum 1 document. Accepted types: DRIVERS, ID_CARD, PASSPORT, RESIDENCE_PERMIT	Required