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

# Credit (push)

> Receive US Dollars by ACH credit pushed from a sender's bank account and reconcile inbound funds.

An ACH credit, also called an **unoriginated credit**, is when a sender pushes USD from their own bank account into Anchorage Digital. It works much like a [domestic wire](/knowledge-base/platform/developers/move-money/deposit/wire/domestic): the sender initiates the transfer from their bank, using the deposit instructions for your USD wallet. For the shared model, see [Deposit](/knowledge-base/platform/developers/move-money/deposit).

<Note>
  ACH is in development. Reach out to your relationship manager for beta access—see [USD rails](/knowledge-base/platform/users/usd-banking#usd-rails).
</Note>

To pull funds from a source bank account instead, see [Debit (pull)](/knowledge-base/platform/developers/move-money/deposit/ach/debit).

## Receive and reconcile an ACH credit

<Steps>
  <Step title="Get or create your USD wallet">
    A vault doesn't get a USD wallet automatically when it's created. If it doesn't have one yet, create it with `POST /v2/vaults/{vaultId}/wallets`—see [Create a wallet and address](/knowledge-base/platform/developers/move-money/deposit#create-a-wallet-and-address).
  </Step>

  <Step title="Get your deposit instructions">
    Retrieve the deposit instructions for your USD wallet from the web dashboard, or programmatically with [`GET /v2/wallets/{walletId}`](/knowledge-base/api-reference/v2/wallets/wallet-details-for-a-wallet), and share them with the sender.
  </Step>

  <Step title="Receive the deposit webhook">
    The sender initiates an ACH credit from their bank to those instructions. Once the funds settle, a webhook notifies you of the deposit. See [Webhooks](/knowledge-base/platform/developers/webhooks/webhooks-overview).
  </Step>

  <Step title="Read the deposit with GET /v2/transactions">
    Fetch the transaction to reconcile the funds against your ledger. The `fiatDetails` object carries the sender's details.

    ```json theme={null}
    {
      "data": [
        {
          "id": "8a1f3c9d2e7b4a6f9c0d1e2f3a4b5c6d",
          "transactionType": "DEPOSIT",
          "status": "SUCCESS",
          "assetType": "USD_R",
          "amount": {
            "assetType": "USD_R",
            "quantity": "25000.00",
            "currentPrice": "1",
            "currentUSDValue": "25000.00"
          },
          "fiatDetails": {
            "paymentRail": "ACH",
            "name": "Acme Holdings",
            "accountNumber": "987654321",
            "bankId": "021000021",
            "bankName": "Example Bank",
            "achTraceNumber": "021000021234567",
            "memo": "Q2 funding"
          },
          "dateTime": "2026-06-03T20:40:43.299Z",
          "description": "Inbound ACH credit",
          "sourceAddresses": [],
          "destinationAddresses": [""],
          "vaultId": "c6b0292e409963141824694e44a37e09",
          "vaultName": "End Client A",
          "walletId": "f947e1645384deb79d2f3e7260e4f1c0"
        }
      ],
      "page": { "next": "/v2/transactions?afterId=8a1f3c9d2e7b4a6f9c0d1e2f3a4b5c6d&limit=1&types=DEPOSIT" }
    }
    ```

    ACH fields in the API are in development, so this response is illustrative and may change before general availability.
  </Step>
</Steps>

<Note>
  For more on USD accounts, see the [USD banking](/knowledge-base/platform/users/usd-banking) user guide.
</Note>


## Related topics

- [ACH credit withdrawal](/knowledge-base/platform/developers/move-money/withdraw/usd/ach/credit.md)
- [ACH credit transfer](/knowledge-base/platform/developers/move-money/transfer/usd/ach/credit.md)
- [Debit (pull)](/knowledge-base/platform/developers/move-money/deposit/ach/debit.md)
- [Get trading account credit limit and usage](/knowledge-base/porto/api-reference/v2/trading/get-trading-account-credit-limit-and-usage.md)