> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hifi.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Global Network Rail
> The Global Network Rail enables payouts across multiple regions with support for multiple currencies.
## Payment Methods
| Payment Method | Direction | Typical Duration |
| :--------------- | :-------- | :----------------- |
| SWIFT | Payout | 1-5 business days |
| CHATS | Payout | Real Time |
| FPS | Payout | Real Time |
| SPEI | Payout | Real Time |
| PIX | Payout | Real Time |
| SEPA (\< \$100k) | Payout | Instant or minutes |
| SEPA (> \$100k) | Payout | Next business day |
| Bank | Payout | 1-3 business days |
SWIFT cut-off times: SWIFT operates Monday to Friday, 8:30 AM to 4:00 AM SGT; Saturday is treated as a non-working day starting 11:59 PM SGT on Friday.
**Bank** here refers to a local payment rail. It is used for SGD payouts to Singapore and NGN payouts to Nigeria.
## Currency Support
| Country | Currency | Direction |
| :------------------- | :------- | :-------- |
| Albania | EUR | Payout |
| Andorra | EUR | Payout |
| Argentina | USD | Payout |
| Austria | USD, EUR | Payout |
| Belgium | USD, EUR | Payout |
| Brazil | USD, BRL | Payout |
| Bulgaria | USD, EUR | Payout |
| Chile | USD | Payout |
| China | USD, CNY | Payout |
| Colombia | USD | Payout |
| Croatia | USD, EUR | Payout |
| Cyprus | USD, EUR | Payout |
| Czech Republic | USD, EUR | Payout |
| Denmark | USD, EUR | Payout |
| Estonia | USD, EUR | Payout |
| Finland | USD, EUR | Payout |
| France | USD, EUR | Payout |
| Germany | USD, EUR | Payout |
| Greece | USD, EUR | Payout |
| Hong Kong | USD, HKD | Payout |
| Hungary | USD, EUR | Payout |
| Iceland | USD, EUR | Payout |
| Indonesia | USD | Payout |
| Ireland | USD, EUR | Payout |
| Italy | USD, EUR | Payout |
| Japan | USD | Payout |
| Kenya | USD | Payout |
| Latvia | USD, EUR | Payout |
| Liechtenstein | USD, EUR | Payout |
| Lithuania | USD, EUR | Payout |
| Luxembourg | USD, EUR | Payout |
| Malta | USD, EUR | Payout |
| Mexico | MXN | Payout |
| Moldova | EUR | Payout |
| Monaco | EUR | Payout |
| Montenegro | EUR | Payout |
| Netherlands | USD, EUR | Payout |
| Nigeria | NGN | Payout |
| North Macedonia | EUR | Payout |
| Norway | USD, EUR | Payout |
| Poland | USD, EUR | Payout |
| Portugal | USD, EUR | Payout |
| Romania | USD, EUR | Payout |
| San Marino | EUR | Payout |
| Serbia | USD, EUR | Payout |
| Singapore | USD, SGD | Payout |
| Slovakia | USD, EUR | Payout |
| Slovenia | USD, EUR | Payout |
| South Africa | USD | Payout |
| South Korea | USD | Payout |
| Spain | USD, EUR | Payout |
| Sweden | USD, EUR | Payout |
| Switzerland | EUR | Payout |
| Taiwan | USD | Payout |
| Thailand | USD | Payout |
| United Arab Emirates | USD | Payout |
| United Kingdom | USD | Payout |
| Vatican City | EUR | Payout |
## Individual
The Global Network rail for individual users requires comprehensive KYC (Know Your Customer) verification to comply with international 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 where 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** | User's tax identification number | `Required` |
| **sofEuQuestionnaire** | Refer to the [Questionnaire](#questionnaire) section | `Required` |
| **documents** | Refer to the [Documents](#documents) section | `Required` |
### Questionnaire
| Field | Description | `Required` |
| :----------------------- | :---------------------------- | :--------- |
| **mostRecentOccupation** | User's most recent occupation | `Required` |
| **sourceOfFunds** | What is the source of funds | `Required` |
### Documents
| Document Group | Min Count | Document Types | `Required` |
| :------------------- | :-------- | :--------------------------------------------- | :--------- |
| **identity** | 1 | DRIVERS, ID\_CARD, PASSPORT, RESIDENCE\_PERMIT | `Required` |
| **proofOfResidence** | 0 | PROOF\_OF\_ADDRESS | `Optional` |
\| Document Type | Description | | :--------------- |
\:--------------------------- | | DRIVERS | Drivers license | | ID\_CARD |
Identification card | | PASSPORT | National passport | | RESIDENCE\_PERMIT |
Residence permit or document | | PROOF\_OF\_ADDRESS | Proof of address document
|
## Business
The Global Network rail for business users requires comprehensive KYB (Know Your Business) verification to comply with international financial regulations.
### KYB Fields
| Field | Description | `Required` |
| :--------------------------- | :-------------------------------------------------------------------------------------------------------------------------------------------------------------- | :--------- |
| **businessName** | The full legal name of the business | `Required` |
| **tradeName** | The trade name or DBA (Doing Business As) of the business | `Required` |
| **businessType** | The type of business structure | `Required` |
| **businessIndustry** | The industry in which this business operates. Click [here](/docs/compliance/references/business-industries) for the complete list of valid industries and codes | `Required` |
| **address** | Business address. Required fields: `addressLine1`, `city`, `stateProvinceRegion`, `postalCode`, `country`. Optional: `addressLine2` | `Required` |
| **incorporationDate** | Date when the business was incorporated | `Required` |
| **taxIdentificationNumber** | Company tax number | `Required` |
| **website** | Business website URL | `Required` |
| **email** | Business email address | `Required` |
| **phone** | Business phone number | `Required` |
| **sofEuQuestionnaire** | Refer to the [Questionnaire](#questionnaire-1) section | `Required` |
| **ultimateBeneficialOwners** | Refer to the [UBOs](#ubos) section | `Required` |
| **documents** | Refer to the [Documents](#documents-1) section | `Required` |
### Questionnaire
| Field | Description | `Required` |
| :---------------- | :-------------------------- | :--------- |
| **sourceOfFunds** | What is the source of funds | `Required` |
### Documents
| Document Group | Min Count | Document Types | `Required` |
| :--------------------- | :-------- | :------------------------------------------------------------------------------- | :--------- |
| **legalPresence** | 0 | INCORPORATION\_ARTICLES, INCORPORATION\_CERT, STATE\_REGISTRY | `Optional` |
| **ownershipStructure** | 0 | SHAREHOLDER\_REGISTRY, TRUST\_AGREEMENT, INFORMATION\_STATEMENT, STATE\_REGISTRY | `Optional` |
| **companyDetails** | 0 | PROOF\_OF\_ADDRESS | `Optional` |
| **controlStructure** | 0 | DIRECTORS\_REGISTRY, TRUST\_AGREEMENT, INFORMATION\_STATEMENT, STATE\_REGISTRY | `Optional` |
\| Document Type | Description | | :--------------------- |
\:--------------------------------- | | INCORPORATION\_ARTICLES | Incorporation
articles document | | INCORPORATION\_CERT | Incorporation certificate document
\| | STATE\_REGISTRY | State registry document | | SHAREHOLDER\_REGISTRY |
Shareholder registry document | | TRUST\_AGREEMENT | Trust agreement document |
\| INFORMATION\_STATEMENT | Information statement document | | PROOF\_OF\_ADDRESS
\| Proof of address document | | DIRECTORS\_REGISTRY | Directors registry
document |
### UBOs
| Field | Description | `Required` |
| :------------------ | :------------------------------------------------------------------------------------------------------------------------------------------------------------- | :--------- |
| **firstName** | UBO's first name | `Required` |
| **lastName** | UBO's last name | `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` |
| **shareProportion** | UBO's share proportion in the business | `Required` |
| **documents** | Identity documents. Optional: minimum 1 document. Accepted types: DRIVERS, ID\_CARD, PASSPORT, RESIDENCE\_PERMIT | `Optional` |