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Senders outside the United States can fund your USD wallet by international wire over SWIFT. Deposits settle without quorum and carry no receiver-side fee. For the shared model, see Deposit. As with a domestic wire, an international 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.

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SWIFT/BIC code

Your USD wallet’s wire instructions include a SWIFT/BIC (Bank Identifier Code) for international wires. A SWIFT/BIC identifies a specific bank rather than an individual account, and routes an international wire to the correct bank. Once you enroll in the USD Interest Program, BNY serves as the primary bank for deposits. BNY is a SWIFT member, so senders can wire funds over SWIFT without an intermediary bank. Your wallet’s deposit instructions update to reflect BNY details, and previous instructions continue to operate.

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Receive and reconcile an international wire

1

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.
2

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 SWIFT/BIC code and account details with the sender.
The depositInstruction object in the response carries the wire details, including beneficiaryName, beneficiaryAccountNumber, bankName, and bankSwiftCode. Reading a wallet requires the Read vault activity permission.
3

Receive the deposit.attributed webhook

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.
4

Read the deposit with GET /v2/transactions

Fetch the transaction and reconcile the funds against your ledger using the fiatDetails object. The response shape matches a domestic wire—see Domestic deposit for an example payload and field reference.
For more on USD accounts, see the USD banking user guide.