Canonical: https://unicorncurrencies.com/receive-money-from/united-states/

# Intelligence: Receiving Money from United States

## Collection Methods

- **ACH (Automated Clearing House):** US domestic bank transfers. Low cost, reliable. Timing depends on route, funding, review, and receiving-bank handling.

- **FedNow:** US Federal Reserve instant payment system. 24/7/365. Timing depends on route, funding, review, and receiving-bank handling.

- **Wire Transfer (Fedwire):** High-value, time-critical USD payments. Timing depends on route, funding, review, and receiving-bank handling.

- **RTP (Real-Time Payments):** Instant USD transfers, 24/7. Growing network. Timing depends on route, funding, review, and receiving-bank handling.

## Benefits

- Local US bank account (routing + account number)

- FedNow instant settlement

- ACH for recurring/bulk collections

- No FX conversion for USD → USD

- Cheaper than international wire

## Settlement & Use

- **Settlement time:** Instant (FedNow/RTP) or T+1 (ACH)

- **Use case:** Accept USD payments from American customers using domestic ACH or instant FedNow. No SWIFT delays.