Money Movement

Rails and their standing, funding an account, pricing a payment, sending transfers and payouts, and reading the transaction list.

Money movement has three parts: getting money in, sending it out, and knowing what it cost. Pricing comes first in every outbound flow — you never submit a payment without a quote in hand.

Rails and their standing

A rail is a route money travels. Two are offered today:

Rail	Typical use
ach	Domestic US bank transfers
wire	High-value and international bank transfers

Further rails are enabled progressively. Which ones are open to you is shown in the app, and that list — not this page — is the authoritative answer for your space.

A rail being offered does not mean it is open to you. Two separate gates decide that, and the difference matters:

The deployment switch

Whether the rail is switched on for the environment you are using at all. A rail that is off is off for everyone.

The provider endorsement

Whether the payment provider has endorsed your space for that family of rails. Endorsements are issued per family, and a payout over a rail you hold no endorsement for is refused by the provider. A space registered before a rail was switched on holds no endorsement for it and has to ask for one.

Listing your rails returns every rail this environment offers, each with its standing and, where it is closed, the reason. One state deserves attention: when an endorsement has not been read back from the provider yet, the rail is reported as available, because an unread endorsement never refuses a payout — but nothing should promise the rail works until it is confirmed. Where a rail needs documents or approval, you can request it and attach what it asks for.

Funding

Getting money in is a two-step flow, then a wait.

1. Choose a funding method

   Pick the wallet and the method — a fiat rail, or crypto.

2. Fetch the instructions

   For a fiat rail you receive the account details to pay into. For crypto you receive a deposit address together with its chain and asset. Send only the named asset, on the named chain.

3. Send from your side

   Initiate the payment at your bank or wallet. Inbound funds land in your transaction list on their own once they clear — there is no deposit to confirm on the platform.

Pricing: the fee quote

Every outbound payment is priced before it exists.

1. Request a preview

   Ask for a fee preview for the amount and route you intend. You receive a quote carrying a fee_quote_id, the net amount, the fee, and the total that will be debited.

2. Submit against the quote

   Create the payment citing that fee_quote_id. The price you were shown is the price you are charged.

Three properties of a quote are worth committing to memory:

• Fee on top. The recipient receives exactly the amount you entered. Your wallet is debited that amount plus the fee. Net and fee always sum to the total debited.
• Single use. A quote is consumed by one payment. A second payment needs a second quote.
• Ten minutes. A quote expires ten minutes after it is issued. Submitting against a lapsed quote is refused, and the fix is to price again.

The fee is set per payment from the destination and the risk of the route, so it is not a single published percentage. The preview is the authoritative price for your payment, and it is the number to show your own users.

Transfers

A transfer moves money between wallets. Price it, submit it against the quote, then follow its status in the transaction list.

Payouts

A payout sends money to someone outside the platform.

1. Create a recipient

   Record who is being paid, once. Recipients are reusable, and you can update or delete them later.

2. Price the payout

   Request a withdrawal fee preview for the amount and rail.

3. Send and track

   Submit against the quote and follow the payout in your transaction list.

Recipients and beneficiaries

These are two layers of the same idea, and the split matters when something needs repairing:

• A recipient is your record of a payee — the one you create, edit, and reuse.
• A beneficiary is the link between that record and the provider’s own account reference. When a provider changes a reference, the beneficiary can be unlinked and relinked without you rebuilding the recipient.

Transactions

Every money event lands in one list: funding, transfers, payouts, and fees alike. Each carries a kind and a status, and you can filter by account, wallet, kind, or status. A payment and its fee are separate entries, so the ledger reconciles against your own books without inference.

Rates

Current exchange rates are shown in the app, so you can see what a conversion will produce before you commit to it.