> ## Documentation Index
> Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Payin Rails

> All supported payin rails for receiving funds into your Devdraft account.

Receive funds into your Devdraft wallet from bank accounts, payment networks, and on-chain transfers. All incoming payments are converted to and stored as **USDC** automatically.

## Supported Corridors

| Currency | Rail | Country | Settlement |
| - | - | - | - |
| **USD** | ACH (Same-Day / Next-Day) | 🇺🇸 United States | Same day or next business day |
| **USD** | Wire (Fedwire) | 🇺🇸 United States | \~2 hours |
| **USD** | FedNow (RTP) | 🇺🇸 United States | Seconds (24/7/365) |
| **MXN** | SPEI | 🇲🇽 Mexico | Minutes |
| **USDC** | Base | On-chain | \< 1 min |
| **ZMW** | Mobile Money (MTN, Airtel, Zamtel) | 🇿🇲 Zambia | Instant |

***

## USD (ACH, Wire, and FedNow)

Receive USD deposits via ACH, Fedwire, or FedNow. All USD deposits settle as USDC at a 1:1 peg.

### Processing Windows

| Rail | Cutoff (ET) | Settlement |
| - | - | - |
| Next-Day ACH | 1:00 PM | 8:30 AM next business day |
| Same-Day ACH | 9:30 AM / 1:45 PM / 3:45 PM | 1:00 PM / 5:00 PM / 6:00 PM same day |
| Fedwire | 4:45 PM | \~2 hours after submission |
| FedNow (RTP) | None | Seconds (24/7/365) |

> [!NOTE]
>
> FedNow requires no setup. It is automatically available on your account. Settlement speed depends on the sending institution's FedNow participation.

### Permitted Transactions

> [tab] Non-US Residents
>
> Virtual accounts can receive:
>
> * **First-party** payments from your own bank, fintech app, or brokerage account
> * **Third-party** payments from a registered business's bank account
> * **Third-party** payments from a family member's bank account (shared surname)
> * **Third-party P2P** payments under \$4,999

> [tab] US Residents
>
> Virtual accounts can receive:
>
> * **First-party** payments from your own bank, fintech app, or brokerage account
>
> * **Payroll** payments from businesses
>
> * **Third-party** payments in most states
>
> > [!WARNING]
> >
> > Third-party payments are **not available** for US customers in New York, Pennsylvania, or Texas.

***

## MXN (SPEI)

Receive MXN deposits via SPEI. All MXN deposits settle as USDC.

> [!NOTE]
>
> MXN / SPEI is currently in **beta**. Availability and limits may change as the rail is stabilized.

Go to **Deposits → MXN** and copy your CLABE and reference number. Share both with your payer. The reference must be included for automatic matching.

> [!WARNING]
>
> The sender must include your reference number in the SPEI transfer. Without it, the payment cannot be matched automatically and may be delayed or returned.

***

## USDC (Base)

Receive USDC on the Base network directly into your Devdraft wallet. No currency conversion required.

Go to **Deposits**, select USDC, and copy your deposit address. Share it with your sender.

> [!WARNING]
>
> Always verify the token and network before sending. Sending to the wrong network or address will result in permanent loss of funds.

***

## Mobile Money (Zambia)

Receive ZMW deposits via mobile money in Zambia. All ZMW deposits settle as USDC.

> [!NOTE]
>
> Depositing ZMW from a Zambian bank account is not supported. Deposits must be made via mobile money.


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