> ## 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.
</Note>

### Permitted Transactions

<Tabs>
  <Tab title="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>

  <Tab title="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.
    </Warning>
  </Tab>
</Tabs>

***

## 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.
</Note>

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.
</Warning>

***

## 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.
</Warning>

***

## 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.
</Note>