> ## 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.

# 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](mailto:support@devdraft.io) to request a higher limit.

***

## 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.

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

***

## MXN (SPEI)

Send MXN to Mexican bank accounts via SPEI.

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

| 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.

<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>

***

## 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 |

<Note>
  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.
</Note>

***

## 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            |

***

## 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    |

***

## 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.

<Warning>
  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.`
</Warning>

### 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 |

***

## 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      |