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A Rail enables users to perform pay-ins and pay-outs from specific regions. Rails are unlocked after a user completes KYC verification and determine which payment methods and currencies are available for onramps and offramps. HIFI supports four rails:
  • USD Rail – enables USD pay-ins and pay-outs via ACH, RTP and Wire
  • Global Network Rail – enables payouts to Asia and Africa
  • Africa Rail – enables payouts to African countries
  • South America Rail – enables payins from South American countries

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Details

The USD Rail enables USD pay-ins and pay-outs through multiple payment methods and supports virtual accounts for onramps.Payment Methods:
  • ACH (Automated Clearing House)
  • RTP (Real-Time Payments)
  • Wire transfers
Features:
  • Virtual accounts for onramps
  • Payouts include user’s KYC/B name
  • Full USD onramp and offramp capabilities
Compliance Requirements:
  • Individual: KYC verification, Source of Funds questionnaire, identity documents
  • Business: KYB verification, UBO information, business registration documents
The Global Network Rail enables payouts to Asia and Africa with support for multiple currencies.Supported Regions:
  • China (CN): USD and CNY
  • Hong Kong (HK): USD and HKD
  • Other regions: BRL, MXN, NGN
Compliance:
  • Standardized compliance requirements
  • Multi-currency support
  • Cross-border transaction capabilities
The Africa Rail enables payouts to various African countries with local currency support.Supported Currencies:
  • BWP (Botswana Pula)
  • GHS (Ghanaian Cedi)
  • KES (Kenyan Shilling)
  • MWK (Malawian Kwacha)
  • NGN (Nigerian Naira)
  • RWF (Rwandan Franc)
  • TZS (Tanzanian Shilling)
  • UGX (Ugandan Shilling)
  • XAF (Central African CFA Franc)
  • XOF (West African CFA Franc)
  • ZAR (South African Rand)
  • ZMW (Zambian Kwacha)
Compliance:
  • Pan-African compliance standards
  • Regional regulatory requirements
  • Mobile money integration
The South America Rail enables payins from South American countries with local currency support.Supported Currencies:
  • ARS (Argentine Peso)
  • BRL (Brazilian Real)
  • COP (Colombian Peso)
  • MXN (Mexican Peso)
Compliance:
  • Region-specific compliance requirements
  • Local regulatory standards
  • South American banking partnerships

Submit KYC

Learn how to submit KYC and unlock a Rail
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