> ## 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.
# USD Rail
> The USD Rail enables pay-ins and pay-outs from stablecoins to USD. It also enables Virtual Accounts for recurring payments.
### 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](/rails/global-network) rail.
## 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](#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 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](/docs/compliance/references/business-industries) 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](#source-of-funds-and-expected-use-questionnaire-1) section | `Required` |
| **documents** | Refer to the [Documents](#documents-1) section | `Required` |
| **ultimateBeneficialOwners** | Refer to the [Ultimate Beneficial Owners](#ultimate-beneficial-owners-ubos) 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 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
**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.
| 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` |