The USD Rail enables USD pay-ins and pay-outs through multiple payment methods. It also supports virtual accounts for onramps.
Individual The USD rail for individual users requires comprehensive KYC (Know Your Customer) verification to comply with US financial regulations.
KYC Fields
Field Description RequiredfirstName User’s first name RequiredlastName User’s last name Requiredemail User’s email address Requiredphone User’s phone number Requiredaddress The address the user currently resides. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2 Requirednationality User’s nationality RequireddateOfBirth User’s date of birth RequiredtaxIdentificationNumber For individual US customers, this has to be SSN or ITIN Requireddocuments Refer to the Documents section Required
Documents
Document Group Min Count Document Types Requiredidentity 1 DRIVERS, ID_CARD, PASSPORT, RESIDENCE_PERMIT Required
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 RequiredbusinessName The full legal name of the business RequiredbusinessIndustry The industry in which this business operates. Click here for the complete list of valid industries and codes RequiredbusinessType The type of business structure RequiredregistrationNumber Business Registration Number Requiredaddress Business address. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2 RequiredregisteredAddress 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 RequiredincorporationDate Date when the business was incorporated Requiredemail Business email address Requiredphone Business phone number RequiredtaxIdentificationNumber Company tax number. For US business, EIN has to be provided Requiredwebsite Business website URL RequiredincorporationCountry Country where the business was incorporated incorporationState State where the business was incorporated sofEuQuestionnaire Refer to the Source of Funds and Expected Use section Requireddocuments Refer to the Documents section RequiredultimateBeneficialOwners Refer to the Ultimate Beneficial Owners section Required
Questionnaire
Fields Description RequiredprimaryPurpose What is the primary purpose of the customer’s account? RequiredprimaryPurposeOther Required if the primary purpose is ‘other’ sourceOfFunds What is the source of funds for the customer’s account? RequiredsourceOfFundsDescription Additional description of the source of funds transmitsCustomerFunds Does the business transmit customer funds? (boolean) RequiredtransmitsCustomerFundsDescription Description of how customer funds are transmitted conductsMoneyServices Does the business conduct money services? (boolean) RequiredhighRiskActivities List of high-risk activities the business is involved in (array) RequiredestimatedAnnualRevenueUsd Estimated annual revenue in USD RequiredexpectedMonthlyPaymentsUsd Expected monthly volume of payments in USD RequiredcustomerFundsDescription Description of how customer funds are handled RequiredoperatesInProhibitedCountries Does the business operate in prohibited countries?
Documents
Document Group Min Count Document Types RequiredlegalPresence 1 INCORPORATION_ARTICLES, INCORPORATION_CERT, STATE_REGISTRY RequiredownershipStructure 1 SHAREHOLDER_REGISTRY, TRUST_AGREEMENT, INFORMATION_STATEMENT, STATE_REGISTRY RequiredcompanyDetails 1 PROOF_OF_ADDRESS RequiredcontrolStructure 1 DIRECTORS_REGISTRY, TRUST_AGREEMENT, INFORMATION_STATEMENT, STATE_REGISTRY Required
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 Requiredroles Array of roles (e.g., DIRECTOR, UBO). Combined roles across all UBOs must include at least one DIRECTOR and one UBO RequiredbusinessTitle UBO’s business title RequiredfirstName UBO’s first name RequiredmiddleName UBO’s middle name lastName UBO’s last name Requirednationality UBO’s nationality Requiredemail UBO’s email address Requiredphone UBO’s phone number Requiredaddress The address where the UBO currently resides. Required fields: addressLine1, city, stateProvinceRegion, postalCode, country. Optional: addressLine2 RequireddateOfBirth UBO’s date of birth RequiredtaxIdentificationNumber UBO’s tax identification number RequiredshareProportion UBO’s share proportion in the business RequiredrelationshipEstablishedAt Date when the relationship was established Requireddocuments Identity documents. Required: minimum 1 document. Accepted types: DRIVERS, ID_CARD, PASSPORT, RESIDENCE_PERMIT Required
