HIFI Docs

Payment Methods

Payment Method	Direction	Typical Duration
Wire	Payin, Payout	< 1 business day
ACH	Payin, Payout	1-3 business days
SWIFT	Payout	1-5 business days
RTP	Payin, Payout	Instant

SWIFT cut-off times: SWIFT operates Monday to Friday. The daily cut-off time is 11:30 AM EST; any transactions processed after this time will be queued for processing at approximately 2:00 AM EST the following business day. Saturday and Sunday are treated as non-working days.

Currency Support

Country	Currency	Direction	Payment Methods
United States	USD	Payin, Payout	Wire, ACH, RTP, SWIFT(Payout-only)
United Arab Emirates	USD	Payout	SWIFT
Australia	USD	Payout	SWIFT
Austria	USD	Payout	SWIFT
Belgium	USD	Payout	SWIFT
Canada	USD	Payout	SWIFT
Estonia	USD	Payout	SWIFT
Finland	USD	Payout	SWIFT
France	USD	Payout	SWIFT
Germany	USD	Payout	SWIFT
Greece	USD	Payout	SWIFT
India	USD	Payout	SWIFT
Ireland	USD	Payout	SWIFT
Italy	USD	Payout	SWIFT
Japan	USD	Payout	SWIFT
Lithuania	USD	Payout	SWIFT
Luxembourg	USD	Payout	SWIFT
Mexico	USD	Payout	SWIFT
Malaysia	USD	Payout	SWIFT
Netherlands	USD	Payout	SWIFT
New Zealand	USD	Payout	SWIFT
Norway	USD	Payout	SWIFT
Oman	USD	Payout	SWIFT
Philippines	USD	Payout	SWIFT
Portugal	USD	Payout	SWIFT
Slovenia	USD	Payout	SWIFT
Spain	USD	Payout	SWIFT
United Kingdom	USD	Payout	SWIFT
Colombia	USD	Payout	SWIFT
Guatemala	USD	Payout	SWIFT
Uruguay	USD	Payout	SWIFT

USD SWIFT payouts are currently limited to senders based in the United States. For other regions, please use the Global Network rail.

Virtual Account Eligibility

Business users incorporated in India, Nigeria, Panama, the Philippines, Saudi Arabia, and Vietnam can be enabled for USD virtual accounts after every UBO with 10% ownership or above completes the required identity and liveness checks.

This eligibility applies to virtual accounts only. It does not expand USD SWIFT payout coverage for businesses incorporated in these countries. See Liveness Checks for the complete requirements.

Individual

The USD rail for individual users requires comprehensive KYC (Know Your Customer) verification to comply with US financial regulations.

KYC Fields

Field	Description	`Required`
firstName	User’s first name	`Required`
lastName	User’s last name	`Required`
email	User’s email address	`Required`
phone	User’s phone number	`Required`
address	The address the user currently resides. Required fields: `addressLine1`, `city`, `stateProvinceRegion`, `postalCode`, `country`. Optional: `addressLine2`	`Required`
nationality	User’s nationality	`Required`
dateOfBirth	User’s date of birth	`Required`
taxIdentificationNumber	For individual US customers, this has to be SSN or ITIN	`Required`
documents	Refer to the Documents section	`Required`

Documents

Document Group	Min Count	Document Types	`Required`
identity	1	DRIVERS, ID_CARD, PASSPORT, RESIDENCE_PERMIT	`Required`
proofOfResidence	1	UTILITY_BILL, BANK_STATEMENT, RENTAL_AGREEMENT, TAX_DOCUMENT, VOTER_REGISTRATION_CARD, BANK_REFERENCE_LETTER, LEASE_OR_TENANCY_AGREEMENT, PROOF_OF_ADDRESS, DRIVERS (US and Canada Only) , ID_CARD (US and Canada Only), RESIDENCE_PERMIT (US and Canada Only)	`Required`

Document types

Document Type	Description
DRIVERS	Drivers license
ID_CARD	Identification card
PASSPORT	National passport
RESIDENCE_PERMIT	Residence permit or document

Business

The USD rail for business users requires comprehensive KYB (Know Your Business) verification to comply with US financial regulations.

KYB Fields

Fields	Description	`Required`
businessName	The full legal name of the business	`Required`
businessIndustry	The industry in which this business operates. Click here for the complete list of valid industries and codes	`Required`
businessType	The type of business structure	`Required`
registrationNumber	Business Registration Number	`Required`
address	Business address. Required fields: `addressLine1`, `city`, `stateProvinceRegion`, `postalCode`, `country`. Optional: `addressLine2`	`Required`
registeredAddress	The official registered office address of the business as filed with the government authority in its jurisdiction of incorporation. Required fields: `addressLine1`, `city`, `stateProvinceRegion`, `postalCode`, `country`. Optional: `addressLine2`	`Required`
incorporationDate	Date when the business was incorporated	`Required`
email	Business email address	`Required`
phone	Business phone number	`Required`
taxIdentificationNumber	Company tax number. For US business, EIN has to be provided	`Required`
website	Business website URL	`Required`
incorporationCountry	Country where the business was incorporated
incorporationState	State where the business was incorporated
sofEuQuestionnaire	Refer to the Source of Funds and Expected Use section	`Required`
documents	Refer to the Documents section	`Required`
ultimateBeneficialOwners	Refer to the Ultimate Beneficial Owners section	`Required`

Questionnaire

Fields	Description	`Required`
primaryPurpose	What is the primary purpose of the customer’s account?	`Required`
primaryPurposeOther	Required if the primary purpose is ‘other’
sourceOfFunds	What is the source of funds for the customer’s account?	`Required`
sourceOfFundsDescription	Additional description of the source of funds
transmitsCustomerFunds	Does the business transmit customer funds? (boolean)	`Required`
transmitsCustomerFundsDescription	Description of how customer funds are transmitted
conductsMoneyServices	Does the business conduct money services? (boolean)	`Required`
highRiskActivities	List of high-risk activities the business is involved in (array)	`Required`
estimatedAnnualRevenueUsd	Estimated annual revenue in USD	`Required`
expectedMonthlyPaymentsUsd	Expected monthly volume of payments in USD	`Required`
customerFundsDescription	Description of how customer funds are handled	`Required`
operatesInProhibitedCountries	Does the business operate in prohibited countries?

Documents

Document Group	Min Count	Document Types	`Required`
legalPresence	1	INCORPORATION_ARTICLES, INCORPORATION_CERT, STATE_REGISTRY	`Required`
ownershipStructure	1	SHAREHOLDER_REGISTRY, TRUST_AGREEMENT, INFORMATION_STATEMENT, STATE_REGISTRY	`Required`
companyDetails	1	PROOF_OF_ADDRESS	`Required`
controlStructure	1	DIRECTORS_REGISTRY, TRUST_AGREEMENT, INFORMATION_STATEMENT, STATE_REGISTRY	`Required`

Document types

UBOs

Role Requirements: The combined roles across all provided UBOs must include at least one DIRECTOR and one UBO.

Share Threshold: Only UBOs with a share proportion greater than 25% need to be provided.

For businesses seeking virtual-account enablement that are subject to liveness checks, provide every UBO with 10% ownership or above. Those UBOs must complete full individual KYC through the hosted verification flow, including live ID capture and biometric liveness verification.

Fields	Description	`Required`
roles	Array of roles (e.g., DIRECTOR, UBO). Combined roles across all UBOs must include at least one DIRECTOR and one UBO	`Required`
businessTitle	UBO’s business title	`Required`
firstName	UBO’s first name	`Required`
middleName	UBO’s middle name
lastName	UBO’s last name	`Required`
nationality	UBO’s nationality	`Required`
email	UBO’s email address	`Required`
phone	UBO’s phone number	`Required`
address	The address where the UBO currently resides. Required fields: `addressLine1`, `city`, `stateProvinceRegion`, `postalCode`, `country`. Optional: `addressLine2`	`Required`
dateOfBirth	UBO’s date of birth	`Required`
taxIdentificationNumber	UBO’s tax identification number	`Required`
shareProportion	UBO’s share proportion in the business	`Required`
relationshipEstablishedAt	Date when the relationship was established	`Required`
documents	Identity documents. Required: minimum 1 document. Accepted types: DRIVERS, ID_CARD, PASSPORT, RESIDENCE_PERMIT	`Required`

Introduction

Core concepts

Features

Compliance

Payments

References

USD Rail

Payment Methods

Currency Support

Virtual Account Eligibility

Individual

KYC Fields

Documents

Business

KYB Fields

Questionnaire

Documents

UBOs

​Payment Methods

​Currency Support

​Virtual Account Eligibility

​Individual

​KYC Fields

​Documents

​Business

​KYB Fields

​Questionnaire

​Documents

​UBOs

Payment Methods

Currency Support

Virtual Account Eligibility

Individual

KYC Fields

Documents

Business

KYB Fields

Questionnaire

Documents

UBOs