Payout Rails

All supported payout rails for sending funds from your Devdraft account to bank accounts and mobile wallets worldwide.

Send funds from your Devdraft USDC balance to bank accounts and mobile wallets across supported corridors. All payouts are converted from USDC to the destination currency at the time of transfer.

Supported Corridors

Currency	Rail	Country	Estimated Arrival
USD	ACH (Same-Day / Next-Day)	🇺🇸 United States	Same day or next business day
USD	Wire (Fedwire)	🇺🇸 United States	~2 hours
MXN	SPEI	🇲🇽 Mexico	Minutes
BRL	Pix	🇧🇷 Brazil	Instant
COP	ACH Colombia	🇨🇴 Colombia	~1 business day
ARS	Transfers 3.0 (CVU)	🇦🇷 Argentina	Instant
USD	International SWIFT	🌎 Global	~5 business days
ZMW	Mobile Money (MTN, Airtel, Zamtel)	🇿🇲 Zambia	Instant
ZMW	Local Bank Transfer	🇿🇲 Zambia	Same day

All transactions are subject to a $4,999 USD per-transaction cap. Contact support to request a higher limit.

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USD (ACH and Wire)

Send USD to US bank accounts via ACH or Fedwire.

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

Both rails operate Monday through Friday, excluding US bank holidays.

Wire transfers submitted after 4:45 PM ET are processed on the next business day.

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MXN (SPEI)

Send MXN to Mexican bank accounts via SPEI.

MXN / SPEI is currently in beta. Availability and limits may change as the rail is stabilized.

Field	Notes
beneficiary_name	Recipient’s full name
clabe	18-digit CLABE account identifier
bank_name	Name of the recipient’s bank

Go to Send Money → Bank Transfer, select Mexico, and enter the recipient’s CLABE, full name, and bank name.

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.

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BRL (Pix)

Send BRL to Brazilian bank accounts via Pix.

Field	Notes
pix_key	Recipient’s Pix key, which can be a CPF/CNPJ, phone number, email address, or random key

Pix is the only payment rail where a single key (pix_key) is enough to identify the recipient’s account. No separate bank code, branch, or account number is required.

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COP (ACH Colombia)

Send COP to Colombian bank accounts via ACH.

Field	Notes
account_type	Bank account type, e.g. checking
ach_cop_beneficiary_first_name	Recipient’s first name
ach_cop_beneficiary_last_name	Recipient’s last name
ach_cop_document_id	Recipient’s identification document number
ach_cop_document_type	Type of identification document
ach_cop_email	Recipient’s email address
ach_cop_bank_code	Code for the recipient’s bank
ach_cop_bank_account	Recipient’s bank account number

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ARS (Transfers 3.0)

Send ARS to Argentine bank accounts via Transfers 3.0 (CVU).

Field	Notes
beneficiary_name	Full legal name of the recipient
transfers_type	Type of account identifier being used
transfers_account	The recipient’s account identifier

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International SWIFT

Send payments globally via SWIFT, processed through tier 1 banks.

Every SWIFT payout is placed on hold immediately after creation. Before funds are released, you must submit a compliance document that proves the relationship between the sender and the recipient.

All bank name and address fields must be submitted in UPPERCASE only with no punctuation (no commas, periods, or special characters).

✅ JPMORGAN CHASE BANK NA SINGAPORE

❌ J.P. Morgan Chase Bank, N.A., Singapore.

Required Fields

Field	Notes
beneficiary_name	Full legal name
bank_name	Receiving bank name (UPPERCASE, no punctuation)
swift_code	SWIFT/BIC code of the receiving bank
account_number	IBAN or local account number
bank_address	Full bank address (UPPERCASE, no punctuation)
beneficiary_address	Full beneficiary address
beneficiary_country	ISO 3166-1 alpha-2 country code
tax_id	Local tax ID for the beneficiary’s country

Compliance Documents

Document Type	Description
invoice	Commercial invoice for goods or services
contract	Service or purchase agreement
delivery_slip	Proof of goods delivered
customs_declaration	Official customs documentation
bill_of_lading	Shipping and transport document
first_party	Sender and recipient are the same entity. No document file required
others	Any other document that establishes the sender-recipient relationship

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Mobile Money and Bank Transfers (Zambia)

Send ZMW to mobile wallets and bank accounts in Zambia.

Method	Providers	Direction
Mobile Money	MTN, Airtel, Zamtel	Send & Receive
Local Bank Account	All major Zambian banks	Send only