Skyline Digital launches new local USD rails with ACH and Fedwire options

Skyline Digital has rolled out local USD payment rails supporting both ACH and Fedwire. Clients can now move dollars inside the United States with the right balance of speed, cost, and controls, all through a single, streamlined interface.

For Skyline Digital’s clients, especially those operating at the intersection of traditional finance and Web3, local USD rails are a cornerstone of efficiency, compliance, and market access. The US dollar remains the world’s most traded and trusted currency, and being able to move it quickly and cost-effectively within the US banking network is critical for everything from liquidity management to on- and off-ramping between crypto and fiat. According to Nacha, in 2024, the ACH Network processed approximately 33.6 billion payments, representing a 6.7% increase from 2023 to 2024, underscoring the system’s reach and reliability.

By integrating ACH and Fedwire directly into the Skyline Digital platform, clients can execute payments, settlements, and treasury operations with the same speed and reliability expected of domestic US businesses, without leaving the platform. This is particularly valuable for Web3 organizations, funds, and high-net-worth individuals that operate globally but maintain USD as a central settlement currency. 

Having native access to both ACH and Fedwire networks allows clients to choose the right personalized balance in terms of speed, cost, and compliance for each transaction, whether it’s routine operational payments, batch transactions, or time-critical transfers. Just as importantly, these rails help close the gap between decentralized financial flows and the regulated US banking system, enabling clients to manage USD exposure, counterparties, and treasury strategy in one place. With Skyline Digital, USD moves at the speed your business demands: securely, transparently, and in full regulatory alignment.

Main differences between ACH and Fedwire

The US payment landscape offers multiple settlement systems to accommodate the different needs of its users. With this implementation, Skyline Digital brings two key options into one place, providing users with a seamless experience on our all-in-one platform.

‍Automated Clearing House (ACH)

ACH is the US standard for domestic electronic bank-to-bank transfers. These rails are ideal for regular payments, payroll, and supplier settlements where cost-efficiency matters more than raw speed. Its strength lies in  processing large payment batches and recurring payments quicker than other credit or debit transfers.

• Processing time: Typically 1–2 business days (same-day ACH available for eligible transactions).
• Availability: Weekdays during US banking hours.
• Use case: Routine transfers, batch payments, recurring bills, or lower-value settlements.
• Cost: Generally lower network and transaction fees.
  

Fedwire

Fedwire is the US Federal Reserve’s real-time gross settlement (RTGS) system and the preferred choice for high-value, time-sensitive payments. Funds are released instantly electronically, with immediate confirmation. Its main advantage is the immediate transfer of domestic payments.

• Processing time: Real-time settlement during operating hours (typically 9:00 a.m.–7:00 p.m. ET).
  Availability: During working hours, RTGS.
  Use case: Treasury operations, large transfers, same-day settlements, or closing high-value deals.
• Cost: Typically higher network fees, but instant finality.

New options for local USD rails

Skyline Digital’s new USD rails are designed to give users complete control over payment routing. startups, DAOs, high-net-worth individuals, and US-based businesses can select ACH or Fedwire directly in the platform, depending on purpose, urgency, and amount, and considering what the beneficiary bank accepts.

This delivers greater flexibility for our clients, choosing the local rail that best fits each transaction, while keeping everything in one compliant workflow.

The 3-step flow

1. Account setup

When adding a USD bank account, choose your preferred rail:

• ACH account: usually used for batch or recurring transfers.
  
  
• Fedwire account: often selected for faster, high-value payments.

Each account type requires slightly different details (e.g., ACH routing number vs. Fedwire ABA code), but our platform guides you through this setup automatically.

2. Creating a payment

Once your account is configured, payments follow a simple workflow:

1. Select the USD account: you can choose between the available local rails (ACH or Fedwire).
   
   
2. Enter payment details or upload an invoice: fill in data manually or upload an invoice to fill out the fields automatically.
3. Review and confirm: Skyline Digital validates routing data and ensures the format meets ACH or Fedwire specifications.
   
   
4. Approve and send: funds are dispatched according to the selected rail’s timing and processing rules.

3. Tracking and reconciliation

All payments, regardless of rail, appear in the same transaction dashboard, with precise timestamps, settlement statuses, and confirmation references. Reconciliation reports can be exported via the Account Statements feature.

Advantages for Skyline Digital’s clients

Designed for flexibility and control

This feature extends Skyline Digital’s multi-rail infrastructure beyond CHF, EUR, and GBP, enabling clients to route USD flows with the same flexibility they already enjoy in other currencies.

• Choose the rail that fits the transaction between low-cost ACH or real-time Fedwire.
  
  
• Configure multiple USD accounts for different purposes (e.g., one for recurring vendor payments, one for high-value settlements).
  
  
• Enjoy end-to-end compliance checks, payment validation, and real-time monitoring built into every flow.

The addition of local USD rails brings Skyline Digital closer to its mission: providing a unified platform for global value movement, where users can hold, convert, and send funds seamlessly across borders, without friction from legacy processes.

Conclusion

Skyline Digital’s launch of ACH and Fedwire rails marks another step in expanding our infrastructure for global businesses. Whether you’re a Web3 company needing US settlement capabilities, a fund manager optimizing treasury flows, or an individual moving capital efficiently, you can manage USD payments directly on our platform: your way, at your speed.

At Skyline Digital, our mission is simple: to create an all-in-one global payment platform that our clients can use every day. Start using the new USD rails in your account and routing domestic transfers today!

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Want to stay ahead of the fintech changes? Reach out to our team today.

This article was written by Skyline Digital for educational purposes only and does not in any way constitute investment advice.

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