> ## Documentation Index
> Fetch the complete documentation index at: https://docs.augustus.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://app.stainless.com/api/spec/documented/augustus/openapi.documented.yml) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate, older surface covering two products — Open Banking (instant bank transfer) checkout and refunds, and Manual Bank Transfer (MBT); use it only when one of those products is specifically required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# Fedwire

> Send and receive USD wires with same-day, final settlement over the Federal Reserve's Fedwire network.

Fedwire is the Federal Reserve's real-time gross settlement network: each wire settles individually, in central bank money, and is final on settlement. Use it for high-value or time-critical USD payments.

This page covers domestic wires between US bank accounts. For international USD wires over the correspondent network, see [SWIFT](/docs/rails/swift).

## What Augustus supports

|                  | Today                                                                                                                                                                                     |
| ---------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Direction**    | Send wires to any US bank account, and receive wires from any US bank. International senders reach you over [SWIFT](/docs/rails/swift) instead.                                           |
| **Scheduling**   | Payouts execute immediately; future-dated wires are not supported. The API accepts payouts 24/7: a wire created while Fedwire is closed queues automatically and settles when it reopens. |
| **Cancellation** | Not possible through the API. See [Finality and cancellation](#finality-and-cancellation).                                                                                                |

## Sending wires

Create a payout with `currency: "USD"`, `rail: "fedwire"`, and an `aba` counterparty financial address:

```ts 2026-05-01 theme={null}
import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const payout = await client.payouts.create({
  account_id: 'your-usd-account-id',
  amount: '250000.00',
  currency: 'USD',
  rail: 'fedwire',
  unstructured_remittance_information: 'Invoice 1234',
  counterparty: {
    financial_address: {
      type: 'aba',
      routing_number: '021000021',
      account_number: '123456789',
      account_holder_name: 'Acme Trading LLC',
    },
  },
})
```

[**POST** `/v1/payouts` in the API Reference →](/api-reference/payouts/create-payout)

| Field                                 | Behavior                                                                                 |
| ------------------------------------- | ---------------------------------------------------------------------------------------- |
| `rail`                                | Required for USD payouts; set to `"fedwire"`.                                            |
| `unstructured_remittance_information` | Reaches the receiving bank as remittance information on the wire (up to 140 characters). |

The `aba` financial address:

| Field                 | Behavior                                   |
| --------------------- | ------------------------------------------ |
| `routing_number`      | The receiver's 9-digit ABA routing number. |
| `account_number`      | The receiver's account number.             |
| `account_holder_name` | Full name of the receiver.                 |

A settled wire cannot be recalled, so verify the beneficiary details before sending.

### Valid characters

Names, addresses, and the remittance text travel in the wire message, which allows the characters `A–Z a–z 0–9 / - ? : ( ) . , ' +` and space. Text containing other characters is sanitized before sending.

## Operating hours and cut-offs

Submit payouts 24/7; a payout is sent as soon as it is created, and wires cannot be future-dated. Wires instructed before **6:45 PM US Eastern** on a Fedwire day settle the same day; later instructions queue and settle when Fedwire next opens.

Fedwire opens at 9:00 PM US Eastern the evening before each banking day and closes at 7:00 PM US Eastern. It is closed on weekends and Federal Reserve holidays. Within operating hours, settlement on the Fed takes seconds; when the beneficiary sees the funds depends on their own bank, usually under a minute, sometimes hours.

For example:

* A wire created on a Tuesday at 4:00 PM Eastern settles within minutes.
* A wire created on a Tuesday at 7:15 PM has missed the 6:45 PM cut-off. It queues and settles when Fedwire reopens at 9:00 PM that evening, as a Wednesday payment.
* A wire created on a Friday at 7:30 PM, or any time on the weekend, queues until Fedwire reopens on Sunday at 9:00 PM Eastern and settles then, as a Monday payment.

## Limits

Fedwire has no network limit on the size of a wire. Account-level limits are agreed per customer at onboarding; there is no fixed platform limit beyond that.

## Status and lifecycle

A wire payout moves through the standard [payout statuses](/docs/payments/payouts):

1. Created: status `initiated`, `payout.initiated` fires. A wire instructed outside operating hours stays `initiated` in the queue.
2. Submitted to Fedwire: status `submitted`, `payout.submitted` fires.
3. Settled on the Fed: status `sent`, `payout.sent` fires.
4. Rejected before submission, for example by validation or screening: status `failed`, `payout.failed` fires.

## Finality and cancellation

A settled wire is final: there is no return window on the network, and recovering funds is a request the receiving bank is free to refuse. If it agrees, the funds usually arrive as a new incoming wire — a new [deposit](/docs/payments/deposits), with the original payout staying `sent`. A return that references the original payment (a pacs.004 quoting the UETR) instead moves the payout to `returned`.

Cancellation is not possible through the API. Before a wire is submitted to Fedwire, support may be able to stop it; after settlement, only a voluntary return by the receiving bank remains.

## Receiving wires

Senders address your account with its US routing and account number, available on the account's `financial_addresses` via API or the dashboard.

* Incoming wires appear as [deposits](/docs/payments/deposits) with `rail: "fedwire"`.
* `deposit.settled` fires when the wire arrives; wire funds are final and immediately available.
* The sender's bank details are referenced through the deposit's `counterparty_id`.
* Wires that cannot be applied to any account are returned to the sending bank.
* If a sending bank requests a wire to be returned, Augustus asks you first; a Fedwire payment is never reversed without your consent.

For payments from senders outside the US, see [Receive USD internationally](/docs/rails/swift#receive-usd-internationally).

## Out of scope today

* Requesting the return of a wire you have sent is not supported through the API or Dashboard. Contact support, and Augustus contacts the receiving bank.
* Drawdown requests are not supported: asking another bank to pull funds out of its account via Fedwire, or honoring such a request against your account.