Fedwire Payins

The Fedwire Payins solution enables your U.S. Cobre Balance to receive inbound USD wire transfers from any Fedwire-participating financial institution. Every Cobre Balance created with the pr_usa_cobre provider is automatically assigned a dedicated ABA routing number and account number — exposed through the account's payment_methods object — and can begin receiving wires immediately with no additional setup.

When a third party sends a Fedwire credit to those coordinates, Cobre automatically detects the wire, credits the FBO Balance in real time, and creates a fedwire_credit transaction with complete sender metadata attached.

Allowed Combinations

When using a Cobre Balance to receive Fedwire Payins, the following account type and provider are required:

Account Type	Provider	Geo	Payment Method	Transaction Type Generated
Cobre Balance	`pr_usa_cobre`	USA	Account number + ABA Routing number	`fedwire_credit`

The ABA routing number and account number assigned to your FBO Balance are available in the payment_methods object returned by the Obtain one Account endpoint. Share these directly with your payers to instruct inbound Fedwire transfers.

Receiving Credentials

Unlike Virtual CLABEs in Mexico or Transfer-In in Colombia, Fedwire Payin credentials are not created via an Account References endpoint. They are issued automatically at account provisioning:

Every pr_usa_cobre Cobre Balance includes a payment_methods object containing a dedicated ABA routing number and account number

These credentials are unique to your FBO Balance — no shared pools or virtual account mappings

They are available immediately once the account is active

Retrieve them at any time via the Obtain one Account endpoint or the Cobre Portal

Payin Lifecycle

1. Retrieve your payment_methods credentials
Call Obtain one Account with your FBO Balance account_id and locate the ABA routing number and account number inside the payment_methods object.

2. Share credentials with your payer
Provide the ABA routing number and account number to the party sending funds. Instruct them to include a reference or memo field in their wire if attribution or reconciliation is needed on your end.

3. Payer initiates the Fedwire credit
The sender submits a standard Fedwire credit transfer from their institution using your coordinates as the destination.

4. Federal Reserve settles the wire
The Fedwire Funds Service processes the transfer on a real-time gross settlement (RTGS) basis. Settlement is final and irrevocable once it completes.

5. Cobre credits your FBO Balance
Upon settlement, Cobre automatically matches the wire to your FBO Balance and applies the credit in real time. No manual action is required on your end.

6. A fedwire_credit transaction is created
A transaction record is generated on your Cobre Balance with the full sender metadata captured from the wire.

7. Receive a webhook notification
An accounts.balance.credit event is dispatched to notify your system of the incoming credit.

Payin Limitations and Behavior

Operating Hours

Fedwire operates Monday–Friday, 9:00 AM–7:00 PM ET, excluding U.S. federal holidays. Wires submitted outside these hours are queued by the originating institution and credited during the next available Federal Reserve operating window.

Open Acceptance

Cobre does not filter or reject inbound wires based on sender identity. Any Fedwire credit addressed to your ABA routing number and account number will be accepted and credited, including wires from unrecognized senders.

If you receive a fedwire_credit from an unrecognized sender and need to return the funds, you must initiate a separate outbound Fedwire payout to the originating account. There is no automatic return mechanism. See Money Movements with Fedwire for details.

Settlement Finality

Each Fedwire credit is final and irrevocable upon settlement. No recall, reversal, or chargeback is possible once the wire has cleared, regardless of circumstances.

Actions Performed on a Fedwire Payin

🔍 Retrieve Credentials

🔍 Retrieve Transactions

Description: Retrieve your pr_usa_cobre Cobre Balance, including the payment_methods object containing the ABA routing number and account number to share with your payers.
What to expect after the action: The account object for your FBO Balance with payment_methods populated.
📘 Learn more:

🔗 Obtain one Account

🔗 Obtain all Accounts

Notification Events

Subscribe to the following event to be notified in real time when a Fedwire credit is posted to your FBO Balance:

Event	Description
`accounts.balance.credit`	Triggered when a `fedwire_credit` transaction is posted to your `pr_usa_cobre` Cobre Balance

See Notifications & Subscriptions for details on subscribing.

How to Get Started

Before you begin, we recommend reviewing the following considerations.

Before Using This API

You need an active Cobre Balance with provider pr_usa_cobre

Fedwire Payins are only available on Cobre Balances created with the pr_usa_cobre provider. The payment_methods object — containing your ABA routing number and account number — is populated automatically when the account becomes active.

Retrieve your payment_methods credentials

Call Obtain one Account with your FBO Balance account_id and locate the payment_methods object. This contains the ABA routing number and account number your payers will use to send funds.

Share your ABA routing number and account number with your payers

Provide these credentials to any party sending funds to your FBO Balance — clients, treasury counterparties, affiliated entities, or your own external bank accounts. If you need to attribute incoming wires to specific senders, instruct them to include a unique reference or memo field in their wire instruction.

Implement Webhooks to track incoming credits

Subscribe to the accounts.balance.credit event to receive real-time notifications when a fedwire_credit is posted to your FBO Balance, avoiding the need to poll the Transactions API.

See Notifications & Subscriptions for details.

What to Expect After Using This API

Your payer initiates the Fedwire wire

The sender submits a standard Fedwire credit transfer from their institution using your ABA routing number and account number. Timing depends on the payer's bank and whether the wire is submitted within Fedwire operating hours.

Cobre credits your FBO Balance in real time

Once the Federal Reserve settles the wire, Cobre applies the credit to your pr_usa_cobre Cobre Balance immediately. No action is required on your end.

Reconcile using the fedwire_credit transaction

A fedwire_credit transaction is created on your FBO Balance and includes the sender's name, institution, originating ABA routing and account number, wire amount, value date, and any reference memo. Use the Transactions API or Cobre reports to retrieve and reconcile incoming payments.

Fedwire Payins and the U.S. Liquidity Loop

Fedwire Payins are the inbound leg of Cobre's closed U.S. liquidity loop. After receiving funds into your FBO Balance, you can execute outbound Fedwire payouts or sweep surplus funds back to your Global Balance via an internal USA-to-Global transfer — all within the Cobre platform, with no external bank transfers required.

Fedwire Payins

Allowed Combinations#

Receiving Credentials#

Payin Lifecycle#

Payin Limitations and Behavior#

Actions Performed on a Fedwire Payin#

Notification Events#

How to Get Started#

Before Using This API#

What to Expect After Using This API#

Allowed Combinations

Receiving Credentials

Payin Lifecycle

Payin Limitations and Behavior

Actions Performed on a Fedwire Payin

Notification Events

How to Get Started

Before Using This API

What to Expect After Using This API