Transfer in Action

Funds flow Overview

Zynk supports - payin flows for converting FIAT currency to Stablecoins, payout flows for converting stabelcoins to FIAT and also FIAT to FIAT conversion. A typical workflow looks like below.

Payin flows(Fiat to stablecoins):
Screenshot 2025-08-13 at 10.35.01 PM.png

Payout flows(Stablecoins to FIAT):

Screenshot 2025-08-13 at 10.35.09 PM.png

FIAT to FIAT flows:

Screenshot 2025-08-13 at 10.35.20 PM.png

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Zynk enables global corridors with just two APIs - Simulate and Transfer.

After KYC/KYB is done, partners can proceed with actual transactions for their customers. The Simulate API returns the deposit detail and quote for partners to show its customers.

For Payin flows the simulate response will contain the following details:

In and out amounts

Fee details

Deposit details - In case of Payin flows this will be the bank account to which customers have to make the deposit. In case of payout flows this will be the deposit wallet to which customers should send crypto for conversion to FIAT. In case of FIAT to FIAT flow, it will again be a deposit bank account.

As a best practice we advise our partners to thouroughly review the fee details and notify Zynklabs of any discrepancy.

Customers to add the displayed account as a beneficiary in their bank account and then make fiat deposit of desired amount to this account manually from their bank application/webpage.

In USD jursidcition, if the deposit message is not included partners will have to work with Zynk to manually claim the transaction against a customer.

In case customers have opted for virtual/named accounts then the deposit details will not include deposit message.

For payout flows, if you want us to include a memo message in the final fiat deposit into the destination bank account, please pass the message in the optional depositMemo field fo Simulate API

This is only available for USD payout flows. For ACH the maximum length of message is 10 chars. For wire it is 35 chars.

For stablecoins to fiat payout transactions, the deposit wallet address will always be unique for each transaction, so make sure to check the address before sending stablecoins to the address.

Deposit object examples for each jurisdiction

AED

BRL

MXN

ARS

PHP

IDR

USD

EUR

INR

{
   "account_holder_name": "Varni Labs FZE Client Money Account",
   "currency_code": "AED",
   "account_number": "AE9381921089018011",
   "bank_display_name": "Zand Bank",
   "routing_code_type_1": "SWIFT",
   "routing_code_value_1": "TESTXXXX",
   "routing_code_type_2": "",
   "routing_code_value_2": "",
   "bank_address": "HD-189 SRT, FLOOR 23, SHEIKH RASHID TOWER, DUBAI",
   "bank_account_type": "LOCAL"
}

Calling Transfer will start the transaction in Zynklabs platform. The status can be fetched from the callback url that partners provide. Alternatively, partners can poll the Get Transfer API to get status.

For payout flows, partners should collect the transaction hash for the crypto deposit that was made in the address provided during Simulate response. This hash should be passed in the payload of Transfer API

field: transferAcknowledgement

Source information object is required in the request body when the transaction is stablecoin to fiat payout and the counterpartyriskflag is True.

Settlement Time Estimates

ACH Processing

RTP / FedNow Processing

EFT Processing

Wire Processing

Stablecoins processing

ACH's are processed during business days, beginning at ~8am eastern, and continuing through to ~3:30pm eastern. ACH transactions occurring outside of business hours, including in the evenings after 3:30pm eastern or on the weekends, will not be processed until 8am eastern on the following business day.

This schedule applies to both ACH debits (deposits to the platform) and ACH credits (withdraws from the platform), for a bank that has a Reserve account.

SAME-DAY ACH

For same-day ACH, if the pull is initiated before 3pm it will land that same day. Usually around 8pm. If initiated in the morning, or previous day, it will land around 2-3pm.

The processing of ACHs is fairly consistent. If we ever notice any delays, for whatever reason, we will notify you in advance.

The cutoff time for the first batch is typically 10:30 ET and the funds are generally settled by 13:00 ET

The cutoff time for the second batch is typically 14:45 ET and the funds are generally settled by 17:00 ET

The last cutoff time of the day is at 16:50 ET and the funds are generally settled by 18:00 ET

Note: If you have not provided a Reserve in USD if applicable, there is a 2 business day hold placed on ACH transactions received and all counterpartyriskflag=True will be converted to False by default.

Transfer in Action

Funds flow Overview#

Deposit object examples for each jurisdiction#

Settlement Time Estimates#

SAME-DAY ACH#

Funds flow Overview

Deposit object examples for each jurisdiction

Settlement Time Estimates

SAME-DAY ACH