Domestic deposit

USD enters Anchorage Digital by wire into the bank account associated with your USD wallet. A domestic wire comes from a sender’s bank in the United States and routes to your wallet’s US account and routing number. Deposits settle without quorum and carry no receiver-side fee. For the shared model, see Deposit. Unlike crypto, a cash deposit doesn’t go through deposit attribution. The sender’s bank details arrive on the transaction itself, so you reconcile inbound funds directly from GET /v2/transactions.

Don’t have senders push ACH deposits to your USD wallet’s account details—only wire transfers are accepted.

Senders outside the United States wire funds over SWIFT instead—see International deposit.

Receive and reconcile a domestic wire

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. Anchorage Digital also creates one automatically the first time the vault receives an internal deposit.

Get your deposit instructions

Retrieve the bank wire details for your USD wallet from the web dashboard, or programmatically with GET /v2/wallets/{walletId}. Share the account and routing number with the sender.

curl --request GET \
  --url https://api.anchorage-staging.com/v2/wallets/{walletId} \
  --header 'Api-Access-Key: {API key}' \
  --header 'accept: application/json'

The depositInstruction object in the response carries the wire details, including beneficiaryName, beneficiaryAccountNumber, bankName, and bankRoutingNumber. Reading a wallet requires the Read vault activity permission.

Receive the deposit.attributed webhook

The sender initiates a wire to those details. An incoming Fedwire posts an IMAD reference roughly 15–30 minutes after the sending bank releases it. Once the funds settle, a deposit.attributed webhook fires with the transactionId. USD deposits don’t require attribution, so deposit.pending-attribution never fires for fiat. See Webhooks.

Read the deposit with GET /v2/transactions

Fetch the transaction to reconcile the funds against your ledger. The fiatDetails object carries the sender’s name, bank, and memo—no attribution step is required.

{
  "data": [
    {
      "id": "c37f304cc2b4daf2e5db4b1370288fee",
      "transactionType": "DEPOSIT",
      "status": "SUCCESS",
      "assetType": "USD_R",
      "amount": {
        "assetType": "USD_R",
        "quantity": "250000.00",
        "currentPrice": "1",
        "currentUSDValue": "250000.00"
      },
      "fiatDetails": {
        "name": "Acme Holdings",
        "accountNumber": "987654321",
        "bankId": "021000021",
        "bankName": "Example Bank",
        "fedWire": "20260603MMQFMP6N012345",
        "memo": "Q2 funding"
      },
      "dateTime": "2026-06-03T20:40:43.299Z",
      "description": "Inbound wire",
      "sourceAddresses": [],
      "destinationAddresses": [""],
      "vaultId": "c6b0292e409963141824694e44a37e09",
      "vaultName": "End Client A",
      "walletId": "f947e1645384deb79d2f3e7260e4f1c0"
    }
  ],
  "page": { "next": "/v2/transactions?afterId=c37f304cc2b4daf2e5db4b1370288fee&limit=1&types=DEPOSIT" }
}

Reconcile from `fiatDetails`

Field	Use
`name`	Sender’s name as it appears on the wire—match against the expected end client.
`bankName` and `bankId`	Originating bank and its identifier.
`accountNumber`	Sender’s account number.
`fedWire`	The wire reference (IMAD) for the transaction.
`memo`	Any memo or OBI the sender included—have senders include a known memo to make matching unambiguous.

For more on USD accounts, see the USD banking user guide.

Platform

Solutions

Receive and reconcile a domestic wire

Reconcile from `fiatDetails`

​Receive and reconcile a domestic wire

​Reconcile from fiatDetails

Receive and reconcile a domestic wire

Reconcile from `fiatDetails`