International accounts are the external bank accounts you send money to: your own or a third party's (a supplier, a family member), in the US (ACH, Wire) or abroad (SEPA, SWIFT). When you create an international transfer, the USDC in your wallet is paid out to one of these accounts. They are not accounts for receiving money into Prismapay. They are added through a 3-step wizard.
Step 1 — General details
- Transfer type/rail: ACH, ACH Same Day, Wire, SEPA or SWIFT.
- Bank name.
- Account holder's name: between 3 and 35 characters; it cannot contain a double underscore __.
- Currency: automatically USD for ACH/ACH Same Day/Wire, EUR for SEPA, and EUR or USD (your choice) for SWIFT.
- Holder type: individual person (first and last name) or company (legal name).
Step 2 — Bank details (varies by rail)
For ACH / ACH Same Day / Wire (US accounts):
- Account number.
- Routing number: exactly 9 digits. The system validates it in real time against external databases to confirm it exists and supports the chosen transfer type (ACH or Wire). If validation is unavailable because those external services are temporarily down, you are not blocked.
- Account type: checking or savings.
For SEPA / SWIFT (international / IBAN accounts):
- Bank address (line 1 and city required, country required).
- IBAN details, where applicable: IBAN account number, BIC code, country.
- Relationship category (customer, parent company, subsidiary, supplier) — optional.
- Purpose of funds (intragroup transfer, invoice for goods/services) — optional.
Step 3 — Holder's address and contact
- Full address of the account holder (line 1 and city required, country required in 3-letter format).
- Contact email and phone (optional).
- For ACH/Wire, the address must be a valid US postal address format: number + street name, or a "P.O. Box" format.
What happens when you finish
The account goes to "Processing" status:
- For ACH, ACH Same Day, Wire and SEPA, the system processes the payment route in the background; when that finishes, it becomes "Registered" and ready to use in transfers.
- For SWIFT there is no automation: the account waits for manual enablement by the Prismapay team.
Only accounts in "Registered" status — or SWIFT accounts already enabled — appear as an option when creating a transfer.