Canonical: https://unicorncurrencies.com/send-money-to/united-states/

# Intelligence: Sending Money to United States

## Banking Requirements

- **Code:** **ABA Routing Number**

- **Format:** 9-digit routing number

## Route Context

- **Use case:** Pay US suppliers for manufacturing equipment, technology, raw materials

- **Published local rails:** ACH (Automated Clearing House), Fedwire, RTP (Real-Time Payments)

- **Timing note:** Settlement and credit timing depend on rail availability, funding, cut-offs, compliance review, correspondent handling, and receiving-bank release.

## Payment Control

- Check beneficiary details before release.

- Confirm payment purpose and invoice context.

- Keep proof available if the supplier says funds have not arrived.

- Review deductions if the amount lands short.

## Regulatory

- OFAC (Office of Foreign Assets Control) sanctions screening

- FinCEN (Financial Crimes Enforcement Network) reporting

- State-specific sales tax considerations

- Export control regulations (ITAR, EAR)

## Key Industries

- Manufacturing Equipment

- Technology

- Machinery

- Aerospace

- Chemicals

## Tips

- Use ACH for recurring supplier payments (cheaper than wire)

- Fedwire for urgent/same-day payments

- USD is global reserve - most stable for hedging

- US banks close early (3pm EST) - plan timing