Wire infrastructure built for speed and finality
Supporting high-value domestic and cross-border payments with same-day settlement over Federal Reserve rails and API-driven automation.
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Manage wires through COS
Domestic wire transfers
Send payments through FedWire with same-day settlement. IMAD1 tracking provides transparent visibility into payment status and simplified reconciliation.
International wire transfers
Process USD payments to international beneficiaries through correspondent banking.2 Single API handles domestic and cross-border transfers without separate integration.
API-based automation
Programmatic access reduces manual processing overhead. Initiate bulk transfers, automate recurring payments, and integrate directly with ERP or workflow tools.
Unified wire operations
Send and receive wires through one API. Inbound transfers post automatically, and webhook notifications are sent to the originator for real-time reconciliation and cash positioning.
Drawdown capability
Pull funds from external accounts on demand. Treasury teams initiate incoming transfers from counterparty accounts for proactive liquidity management.
Compliance workflows
OFAC screening runs automatically before Federal Reserve processing. Approval workflows route flagged transactions to reviewers with audit trails for regulatory reporting.
Common uses for wire payments
Treasury operations
Same-day intercompany funding, vendor payments, and drawdown for cash positioning.
Marketplace disbursements
High-value seller payouts with same-day settlement for large transactions.
International vendor payments
USD payments to international suppliers through correspondent banks via API.
Payroll payments
Employee compensation for bonuses, commissions, and urgent payroll needs.
Real estate transactions
Large, time-sensitive payments for deposits, closings, and property disbursements.
Business-to-business payments
High-value commercial transactions with payment request workflows for invoices.
Emergency liquidity management
Pull funds from partner banks immediately for urgent cash needs.
