Blockchain networks
Custodial wallets
| Token | Network | Status |
|---|
| USDC | Polygon | Live |
| USDT | Polygon | Live |
Deposit addresses
Inbound crypto to a deposit address triggers a bank payout. Deposit addresses are separate from custodial wallets.
| Token | Network | Status |
|---|
| USDC | Ethereum | Live |
| USDT | Ethereum | Live |
| USDC | Polygon | Live |
| USDT | Polygon | Live |
Bank rails
Business customers
| Rail | Direction | Status |
|---|
| ACH | Inbound & outbound | Live |
| FedWire | Inbound & outbound | Live |
| SWIFT | Inbound & outbound | Live |
| RTP / FedNow | Inbound & outbound | Coming soon (~Q3 2026) |
ACH pull is not supported. Only ACH push (inbound) is available.
Individual customers (US only)
| Rail | Direction | Status |
|---|
| Cash-in at retailers | Inbound | Live |
| Cash-out at ATMs | Outbound | Live |
| Debit card | Inbound & outbound | Coming soon |
| ACH / FedWire / SWIFT | Inbound & outbound | Coming soon |
SWIFT countries
Supported today
Australia, Bermuda, Brazil, Canada, France, Germany, Hong Kong, Netherlands, Portugal, Singapore, United Kingdom
Requested, support coming soon
Mexico, Argentina, Bolivia, Chile, India, Nigeria, Colombia, China, Ghana
Requesting additional countries
To add a country not listed above, contact your account team. SWIFT coverage expands based on customer demand.
Settlement speed
Bank payouts (after a deposit address receives crypto)
| Rail | Estimated settlement |
|---|
| FedWire | ~1 hour after submission (during Fedwire hours: 9:00 PM – 5:30 PM ET) |
| Same-day ACH | Same business day, ~5:00 PM ET if submitted before 1:45 PM ET |
| Next-day ACH | 8:30 AM ET on the effective date |
| SWIFT | To be confirmed |
| RTP | To be confirmed (not yet live) |
Inbound crypto to custodial wallet
| Network | Confirmations required | Estimated time |
|---|
| Polygon | 1 confirmation | < 2 seconds |
Inbound crypto to deposit address (triggers bank payout)
| Network | Estimated time |
|---|
| Ethereum | ~5 minutes |
| Solana | ~1 minute |
| Base | ~5 minutes |
| Ink | ~5 minutes |
| Sui | ~30 minutes |
Prohibited jurisdictions
Transactions and customers associated with the following jurisdictions are blocked.
Sanctioned and blacklisted countries
Applies to all OMS services: Dashboard, API, non-custodial wallet SDK, and Trails SDK.
Cuba, Iran, Myanmar, North Korea, Ukraine (Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhia regions only)
China is also blocked at the IP level.
FATF gray list, blocked for bank ramps
In addition to the sanctioned countries above, the following jurisdictions are blocked for bank ramp transactions:
Algeria, Angola, Bolivia, Bulgaria, Cameroon, Côte d’Ivoire, Democratic Republic of Congo, Haiti, Kenya, Kuwait, Laos, Lebanon, Monaco, Namibia, Nepal, Papua New Guinea, South Sudan, Syria, Venezuela, Vietnam, Virgin Islands (UK), Yemen
The Russian Federation is blocked for SDK access (non-custodial wallet SDK and Trails SDK).
How restrictions are enforced
Prohibition is enforced against the following per transaction or customer:
- Business applicant’s incorporation address or physical address
- Associated person’s physical address
- SWIFT counterparty address country
- SWIFT counterparty bank BIC (inbound or outbound)
If a counterparty’s citizenship, nationality, or passport country falls in a prohibited jurisdiction, proof of address and proof of source of funds are required before the transaction can proceed.
