Funding FAQ

From your own bank account

Always accepted, at any amount. Send from an account held in your name.

Payroll, including from a business you run

Direct deposits from a company's payroll are accepted with no amount cap, including payroll from a business you own. It has to be sent from the business's own bank account, in the business's name, described as payroll.

A business paying you

Accepted with no amount cap when a registered business pays from its own business bank account for goods or services it received from you, for example against an invoice. The payment has to be the business settling its own bill.

A person paying you

Accepted up to $4,000 per transfer when it comes from their personal account.

A person paying you through a business account

Still counted as a personal transfer, so the $4,000 limit applies. Sending a personal payment out of a company account does not lift the limit.

Wire and ACH follow the same rules

A wire is not more permissive than ACH. What is allowed depends on who is sending and why, never on the method used.

A family member paying you

Accepted from a family member's bank account when your surnames match.

New York and Texas addresses

If your address of record is in New York or Texas, third-party transfers cannot be accepted at all. Only your own transfers and payroll can come in.

SWIFT is not supported

Deposits arrive by ACH, FedNow or US domestic wire only.

FedNow

Seconds, 24/7, when your bank supports it. Often free.

Wire

Same business day when your bank sends it before its cut-off, usually 5pm ET. Best for larger amounts. Your bank may charge $15 to $50.

ACH

1 to 3 business days. Usually free.

Include your reference

Put the reference shown with your deposit details in the memo or reference field. It is what lets us match the money to your account automatically.

Sender name: the business's legal name

Exactly as its bank has it. An individual's name as the sender makes it a personal transfer, and the $4,000 limit applies.

Description: the purpose plus the invoice

For example INVOICE 1042, DESIGN SERVICES. Avoid gift, personal, loan, living expenses and on behalf of, all of which make it a personal transfer.

Reference: the code from your deposit details

Including it is what lets us match the money to your account automatically.

Sent by someone else from their personal account

A transfer from another person's personal account above $4,000 does not fit any accepted category and is returned.

A personal payment sent out of a business account

If the money is one person paying another and only the sending account belongs to a business, it is treated as a personal transfer. Anything of $4,000 or more is returned.

Payroll sent from the wrong account

Payroll has to go out from the business's own bank account, in the business's name. Sent from a personal account, or from an account in a different name, it is treated as an ordinary personal transfer and the $4,000 limit applies.

Third-party transfer with a New York or Texas address

Not accepted at all, whatever the amount or the sender.

Sender details that cannot be verified

If the sending account cannot be checked, or the details do not line up, the deposit is returned uncredited.

What to tell the sender

The full amount goes back to the bank it came from. The sender should look for it there and confirm the details before trying again.

Repeat attempts

Repeated third-party transfers to your deposit account can put the account under review, so use the right method from the start.

Business customers

Ask them to pay from the company's business bank account, for example against an invoice. Business payments have no amount cap.

Individual customers

Card payments and crypto sent to your wallet address always work. Card payments are authorized by the customer, and on-chain transfers are not restricted by sender name rules.

Keep the deposit account for your own money

It is built for your own transfers, payroll and business payments, not for collecting payments from other people's personal accounts.

Large payments: test first

Every deposit is screened on arrival, however it is sent, and a large one can still be reviewed or returned after it lands. For a big payment, ask the sender to send a small amount first and confirm it arrives before sending the rest.

Payments for your own work only

The account can receive money a customer owes you for your own goods or services. It cannot be used to collect money for someone else and pass it on, which is money transmission and is not allowed.

USDT on Tron, wallet to wallet

Each contractor is paid in USDT on Tron to the wallet address they give you. No bank account is needed on their side, and the funds do not pass through a bank on the way out.

What the contractor needs

A Tron wallet that can hold USDT. Their address starts with T and is 34 characters long. Check it against what they gave you before the first payment: a payment sent to the wrong address cannot be brought back.

How fast it arrives

The transfer settles on the Tron network in seconds and is usually visible in the contractor's wallet within minutes.

Add addresses before payday

A new payout address goes through a short security hold before its first payment, so collect contractor wallet addresses well ahead of the payout date rather than on the day itself.

Keep your own records

Payouts go from your account to the contractor directly, so keep a record of who was paid what, and collect each contractor's tax details for your own files.

Ask your bank for the reference

For an ACH that is the trace ID, for a wire it is the IMAD. Then contact support@dsbc.io with the amount, the date, the sender's name and that reference.

Please do not contact our banking partner

They cannot help you directly. Send the details to us and we will trace it with them.

1% on money received

A 1% platform fee is taken from each deposit when it arrives, so a $10,000 transfer credits your account with $9,900. The fee is shown on the deposit in your activity.

No minimum from us

Your sending bank may apply its own minimum or its own transfer fee.

Reusable account

Your deposit account stays in your name and can be used for future deposits.