> ## 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.

# Domestic deposit

> Receive US Dollars by domestic wire and reconcile inbound funds from the transaction's fiat details.

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](/knowledge-base/platform/developers/move-money/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`.

<Warning>
  Don't have senders push ACH deposits to your USD wallet's account details—only wire transfers are accepted.
</Warning>

Senders outside the United States wire funds over SWIFT instead—see [International deposit](/knowledge-base/platform/developers/move-money/deposit/wire/international).

## Receive and reconcile a domestic wire

<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). Anchorage Digital also creates one automatically the first time the vault receives an internal deposit.
  </Step>

  <Step title="Get your deposit instructions">
    Retrieve the bank wire details 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). Share the account and routing number with the sender.

    ```bash theme={null}
    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.
  </Step>

  <Step title="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](/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 name, bank, and memo—no attribution step is required.

    ```json theme={null}
    {
      "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" }
    }
    ```
  </Step>
</Steps>

### 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. |

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


## Related topics

- [Deposit](/knowledge-base/platform/developers/move-money/deposit.md)
- [International deposit](/knowledge-base/platform/developers/move-money/deposit/wire/international.md)
- [USD deposits](/knowledge-base/platform/users/usd-deposits.md)
- [Domestic wire withdrawal](/knowledge-base/platform/developers/move-money/withdraw/usd/wire/domestic.md)
- [Domestic wire transfer](/knowledge-base/platform/developers/move-money/transfer/usd/wire/domestic.md)