USD Accounts

Overview

Open a USD account in your customer's own name, fund it by inbound bank transfer, and pay out — to a bank account on ACH, FEDWIRE, or SWIFT, or on-chain on CRYPTO after converting the balance into a stablecoin.

Customer's bank ──ACH / wire──▶ USD account ──payout──▶ beneficiary bank account
                                      │
                                      └──convert──▶ stablecoin balance ──on-chain──▶ beneficiary wallet

The five steps

Onboard a verified customer — KYB or KYC details, supporting documents, terms acceptance, then onboard.
Open a USD account — accounts are provisioned automatically; read the funding instructions.
On-ramp: fund the account — the customer pushes funds in; optionally convert into a stablecoin.
Add a beneficiary — a bank account or an on-chain wallet.
Off-ramp: send a payout — a bank payout or an on-chain send, then confirm the balance.

What to know before you start

Both BUSINESS and INDIVIDUAL customers are supported. A business sends a kyb block; a natural person sends a kyc block.
Onboarding one customer provisions several accounts: a USD account plus a wallet per supported stablecoin and network. Each is a separate account_id.
Inbound funds are pushed by the customer. Deposits are observed, never initiated — POST /v1/payments/deposits returns 422 OPERATION_NOT_SUPPORTED on this corridor.
Payouts must leave from a settled balance. Convert before you pay out on-chain, and wait for the conversion to reach COMPLETED.
An individual customer's payouts are capped by account limits. See Individual Payout Limits to read them and request higher ones.