> ## 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.

# Wire deposits at Anchorage Digital Bank

> Understand how Anchorage Digital Bank clients receive USD by domestic and international wire, and how long wires take.

export const WireFlow = ({nodes = [], title, label = title || "Flow of funds"}) => {
  const isDark = () => typeof document !== "undefined" && (document.documentElement.classList.contains("dark") || document.documentElement.getAttribute("data-theme") === "dark");
  const [dark, setDark] = useState(isDark);
  useEffect(() => {
    if (typeof document === "undefined") return;
    const read = () => setDark(isDark());
    read();
    const obs = new MutationObserver(read);
    obs.observe(document.documentElement, {
      attributes: true,
      attributeFilter: ["class", "data-theme"]
    });
    return () => obs.disconnect();
  }, []);
  const C = dark ? {
    surface: "#1B1E24",
    card: "#14161B",
    line: "#2C3038",
    ink: "#E8E9EC",
    ink2: "#9EA2AA",
    blue: "#7C9DF8",
    blueF: "#1B2742",
    track: "#3A3F48"
  } : {
    surface: "#F7F7F5",
    card: "#FFFFFF",
    line: "#E3E2DD",
    ink: "#23262D",
    ink2: "#666666",
    blue: "#5681F6",
    blueF: "#E8F2FD",
    track: "#D5D4CF"
  };
  const vars = {
    "--wf-surface": C.surface,
    "--wf-card": C.card,
    "--wf-line": C.line,
    "--wf-ink": C.ink,
    "--wf-ink2": C.ink2,
    "--wf-blue": C.blue,
    "--wf-blue-f": C.blueF,
    "--wf-track": C.track
  };
  const n = nodes.length;
  const links = Math.max(n - 1, 1);
  const cycle = 1.6 * links + 1.2;
  const slot = 100 / (links + 0.75);
  const linkKeyframes = Array.from({
    length: links
  }, (_, i) => {
    const a = (i * slot).toFixed(1), b = ((i + 0.85) * slot).toFixed(1);
    return `@keyframes wf-v${i}{0%,${a}%{top:0;opacity:0}${(+a + 1).toFixed(1)}%{opacity:1}${b}%{top:calc(100% - 22px);opacity:1}${(+b + 1).toFixed(1)}%,100%{top:calc(100% - 22px);opacity:0}}
@keyframes wf-h${i}{0%,${a}%{left:0;opacity:0}${(+a + 1).toFixed(1)}%{opacity:1}${b}%{left:calc(100% - 22px);opacity:1}${(+b + 1).toFixed(1)}%,100%{left:calc(100% - 22px);opacity:0}}`;
  }).join("\n");
  const nodeKeyframes = nodes.map((_, i) => {
    const at = i === 0 ? 0 : (i - 1 + 0.85) * slot;
    const s = Math.max(at - 0.5, 0).toFixed(1), p = (at + 2).toFixed(1), e = Math.min(at + 14, 99).toFixed(1);
    return `@keyframes wf-n${i}{0%{border-color:var(--wf-line);background:var(--wf-card)}${s}%{border-color:var(--wf-line);background:var(--wf-card)}${p}%{border-color:var(--wf-blue);background:var(--wf-blue-f)}${e}%{border-color:var(--wf-blue);background:var(--wf-blue-f)}100%{border-color:var(--wf-line);background:var(--wf-card)}}`;
  }).join("\n");
  const css = `
.wf{border:1px solid var(--wf-line);border-radius:18px;background:var(--wf-surface);color:var(--wf-ink);padding:20px;margin:16px 0}
.wf,.wf *{box-sizing:border-box}
.wf-title{margin:0 0 14px;font-size:15px;font-weight:600;line-height:1.3;color:var(--wf-ink)}
.wf-row{display:grid;grid-template-columns:1fr;gap:0;justify-items:center}
.wf-node{width:100%;max-width:280px;border:1.5px solid var(--wf-line);background:var(--wf-card);border-radius:14px;padding:12px 14px;text-align:center;animation-duration:${cycle}s;animation-iteration-count:infinite;animation-timing-function:ease-out}
.wf-node b{display:block;font-size:15px;font-weight:600;line-height:1.3}
.wf-node span{display:block;margin-top:2px;font-size:12.5px;color:var(--wf-ink2);line-height:1.35}
.wf-link{position:relative;width:2px;height:56px;background:var(--wf-track);margin:4px 0}
.wf-link::after{content:"";position:absolute;bottom:-2px;left:-5px;border:6px solid transparent;border-top:8px solid var(--wf-track);border-bottom:0}
.wf-coin{position:absolute;left:-10px;top:0;width:22px;height:22px;border-radius:50%;background:var(--wf-blue);color:#fff;font-size:12px;font-weight:700;display:grid;place-items:center;opacity:0;box-shadow:0 0 0 4px var(--wf-blue-f);animation-duration:${cycle}s;animation-iteration-count:infinite;animation-timing-function:ease-in-out}
@media (min-width:640px){
  .wf-row{grid-template-columns:${nodes.map(() => "minmax(0,1fr)").join(" 72px ")};align-items:center}
  .wf-node{max-width:none;height:100%;display:flex;flex-direction:column;justify-content:center}
  .wf-link{width:auto;height:2px;justify-self:stretch;margin:0 6px}
  .wf-link::after{bottom:auto;left:auto;right:-2px;top:-5px;border:6px solid transparent;border-left:8px solid var(--wf-track);border-right:0}
  .wf-coin{top:-10px;left:0}
}
${linkKeyframes}
${nodeKeyframes}
@media (prefers-reduced-motion:reduce){.wf *{animation:none!important}.wf-coin{display:none}}
`;
  return <div className="wf not-prose" style={vars} role="img" aria-label={`${label}: ${nodes.map(x => x.title).join(" to ")}`}>
      <style>{css}</style>
      {title && <p className="wf-title" aria-hidden="true">{title}</p>}
      <div className="wf-row">
        {nodes.flatMap((node, i) => [i > 0 && <div key={`l${i}`} className="wf-link" aria-hidden="true">
              <i className="wf-coin" style={{
    animationName: `wf-v${i - 1}`
  }}>$</i>
            </div>, <div key={`n${i}`} className="wf-node" style={{
    animationName: `wf-n${i}`
  }} aria-hidden="true">
            <b>{node.title}</b>
            {node.caption && <span>{node.caption}</span>}
          </div>].filter(Boolean))}
      </div>
      <style>{`@media (min-width:640px){${Array.from({
    length: links
  }, (_, i) => `.wf-link:nth-child(${2 * i + 2}) .wf-coin{animation-name:wf-h${i}!important}`).join("")}}`}</style>
    </div>;
};

As an Anchorage Digital Bank (ADB) client, you can receive USD into your vault's USD wallet by domestic wire (Fedwire/CHIPS) or international wire (SWIFT). To get started, [create a USD wallet](/knowledge-base/platform/users/usd-deposits/adb/domestic-wire-deposits#creating-a-usd-wallet) and share its wire instructions with the sender.

<CardGroup cols={2}>
  <Card title="Domestic wire deposits" icon="building-columns" href="/knowledge-base/platform/users/usd-deposits/adb/domestic-wire-deposits">
    Receive USD from US banks over Fedwire/CHIPS.
  </Card>

  <Card title="International wire deposits" icon="globe" href="/knowledge-base/platform/users/usd-deposits/adb/international-wire-deposits">
    Receive USD from banks outside the US over SWIFT.
  </Card>
</CardGroup>

## Overview

A wire moves from the sender's bank to Anchorage Digital Bank, which credits your USD wallet. Domestic wires travel over Fedwire or CHIPS, and international wires travel over SWIFT.

<WireFlow
  title="Domestic wire deposits"
  nodes={[
{ title: "Sender's bank", caption: "Sends the wire" },
{ title: "Fedwire/CHIPS", caption: "Moves the funds" },
{ title: "Anchorage Digital Bank", caption: "Credits your USD wallet" }
]}
/>

<WireFlow
  title="International wire deposits"
  nodes={[
{ title: "Sender's bank", caption: "Sends the wire" },
{ title: "SWIFT", caption: "Moves the funds" },
{ title: "Anchorage Digital Bank", caption: "Credits your USD wallet" }
]}
/>

Most domestic US wire transfers arrive the same business day—often within a few hours—when sent before the bank's cut-off time, commonly mid-afternoon Eastern. International wires usually take 1–5 business days.

Wires don't move on weekends or US federal holidays, so timing around cut-offs matters.

## Funds availability

Funds are made available once they're posted to your account, provided the transfer hasn't been placed on hold. Wire transactions are considered final once the funds are received.

## Wire drawdown requests

A wire drawdown request lets you pull funds from another account by asking the sender's bank to send you a wire, instead of waiting for the sender to push it.

Anchorage Digital doesn't support wire drawdown requests yet. If you need them, contact your relationship manager so we can prioritize this feature request.

## Rejecting an incoming wire

To reject an incoming wire, contact your relationship manager. We currently process these requests manually.

For common questions, see [Wire deposit FAQs](/knowledge-base/platform/users/usd-deposits/adb/wire-deposit-faqs).


## Related topics

- [Domestic wire deposits at Anchorage Digital Bank](/knowledge-base/platform/users/usd-deposits/adb/domestic-wire-deposits.md)
- [International wire deposits at Anchorage Digital Bank](/knowledge-base/platform/users/usd-deposits/adb/international-wire-deposits.md)
- [Wire deposit FAQs for Anchorage Digital Bank](/knowledge-base/platform/users/usd-deposits/adb/wire-deposit-faqs.md)
- [International wire deposits at Anchorage Digital Singapore](/knowledge-base/platform/users/usd-deposits/ads/international-wire-deposits.md)
- [Wire deposits at Anchorage Digital Singapore](/knowledge-base/platform/users/usd-deposits/ads/wire-deposits-overview.md)