Deposits
Incoming transfers credited to one of your accounts. A deposit appears once the funds are final and has one status,
settled.Payouts
Outgoing transfers from an account to a bank account or wallet. A payout moves
initiated → submitted → sent, or ends failed or returned (2026-05-01 statuses).Counterparties
The bank account or wallet on the other side of a payment, saved once and referenced by
counterparty_id. Every payout targets one. Deposits carry one where the rail delivers the sender’s account details; ACH does not share the originator’s account number, so inbound ACH deposits have none.Returns
A deposit sent back to its sender. An outbound payment with the same lifecycle as a payout, linked to the deposit it undoes; the deposit stays
settled.Where to find them
Every completed movement also lands as a booked transaction on the account, and each state change fires a webhook.
Rails
The rail is how the money travels. It follows from the currency and the counterparty’s financial address; for USD you choose it on the payout. Each page covers timing, limits, and return behavior.ACH
USD, batch-based, same-day or next-day. Returns within the network windows.
Fedwire
USD, real-time and final. No return procedure on the network.
SWIFT
International USD over the correspondent network. Returns can arrive net of fees.
SEPA
EUR, standard and instant.
Faster Payments
GBP, near-instant.
Blockchain
Stablecoins to and from linked wallets on supported chains.