This article explains how to receive USD into your KAST account using your USD virtual account. You’ll learn the difference between ACH, Fedwire, and SWIFT transfers, how to share the correct receiving details, expected timelines, fees, and what to do if a transfer is delayed.
Temporary update: USD Global Payouts via SWIFT are currently unavailable. When SWIFT is unavailable, you can: Use Local Payouts (if available in your country/corridor) or send cryptocurrency on-chain (for example, send to another wallet address or another KAST account)
What Is the KAST USD Account?
The KAST USD account is a virtual account that allows you to receive USD transfers directly into your KAST balance. Once settled, deposits are credited to your KAST USD balance.
You can receive USD through:
- ACH for US domestic transfers
- Fedwire for US domestic bank wires
- SWIFT for international USD transfers
What Happens When I Receive USD?
When someone sends USD to your KAST USD account:
- The sender initiates a transfer using ACH, Fedwire, or SWIFT
- The transfer is processed and reviewed
- Once settled, the funds are credited to your KAST balance
Transfer speed depends on the sender’s bank, the transfer rail used, and banking hours.
What’s the Difference Between ACH, Fedwire, and SWIFT?
- ACH: Slower but lower-cost domestic US transfers
- Fedwire: Faster domestic bank wires within the US
- SWIFT: International bank transfers between countries
If the sender is unsure which rail to use, ask them to confirm with their bank before sharing your details.
How Do I Receive USD in the KAST App?
Steps
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| 2. Select USD bank transfer | |
| 3. You can choose to receive USD from the US only or from anywhere. | |
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4. If you choose Receive USD from US only, view and copy your USD receiving details 5. Ask the sender to initiate the transfer |
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6. If you choose Receive USD from anywhere, view and copy your USD receiving details 7. Ask the sender to initiate the transfer |
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8. Wait for the transfer to settle and appear in your KAST balance |
What Account Details Should I Share to Receive USD?
The details you share depend on the transfer method the sender is using.
Transfer Type |
Details to Share |
|---|---|
ACH |
Beneficiary name, bank name, routing number, and account number |
Fedwire |
Beneficiary name, bank name, wire routing number, and account number |
SWIFT |
Beneficiary name, bank name, account number/IBAN (if shown), SWIFT/BIC code, and bank address (if required) |
Always copy the details exactly as shown in your KAST app. Using incorrect details or the wrong transfer rail may cause delays, rejections, or returned transfers.
Are There Fees for Receiving USD Transfers?
Fees depend on the transfer method used.
Transfer Type |
Fee |
|---|---|
USD ACH |
$2 |
USD Fedwire |
$15 |
USD SWIFT |
$30 |
Are There Any Limits on Deposits?
Yes. The following transaction limits apply to USD deposits:
- Per transaction: $10,000 USD
- Per month (combined): $20,000 USD
If your deposit exceeds these limits, KAST may request supporting documentation (such as proof of income or source of funds). You will have 10 days to provide the required documents. If not provided, the transfer will be returned to the sender automatically.
How Long Does a Deposit Take to Arrive?
| Payment type | Expected arrival time |
|---|---|
USD via ACH |
1–3 business days |
USD via Fedwire |
Same business day (if sent before cutoff) |
USD via SWIFT |
1–3 business days |
Arrival times depend on your sender's bank and when the transfer is initiated. Transfers sent on weekends or public holidays are processed on the next business day.
Can I Receive USD From Any Country or Sender?
You can receive USD transfers from many individuals, businesses, payroll providers, and supported banks. However, some countries, banks, and transfer types may be restricted due to compliance or banking requirements.
Your transfer may be delayed, rejected, or returned if:
- The sender is located in a restricted region
- The sender’s bank does not support the selected transfer method
- The transfer requires additional security or compliance checks
Why Is My Transfer Being Reviewed or Delayed?
Some transfers may require additional compliance or security checks before they can be completed.
You may be asked to provide additional information or documentation if:
- You receive unusually high transfer volumes
- Your transfer activity appears inconsistent or unusual
- A single transaction exceeds $10,000 USD
In these cases, additional checks or source-of-wealth documentation may be required before the transfer is approved.
Frequently Asked Questions
Can I receive international USD transfers into my KAST account?
You can receive international USD transfers into your KAST account through SWIFT. Make sure the sender uses your SWIFT receiving details exactly as shown in the app.
Can I receive payroll into my KAST USD account?
You can receive payroll and many business-related USD transfers into your KAST account. Support may vary depending on the sender’s bank, region, and transfer type.
Why did I receive less USD than expected in my KAST account?
Sender banks or intermediary banks may deduct fees during processing, especially for SWIFT transfers. This can reduce the final amount credited to your KAST balance.
Can I send money using my KAST USD account?
Your KAST USD account currently supports incoming transfers only. However, KAST supports other withdrawal methods.
Do weekends or holidays affect USD transfer timing to my KAST account?
USD transfers follow banking hours and processing schedules. Weekends and bank holidays may delay ACH, Fedwire, or SWIFT settlement times.
Can I change my KAST USD receiving details?
Your USD receiving details may be updated in some cases for security or operational reasons. Contact Concierge Support if you need help with your account details.