International Financial Institutions
An approved pathway to U.S. dollar accounts and payment rails.
Structure U.S. account, payment, settlement, and reporting workflows to reach U.S. counterparties and settle cross-border activity within a reviewed program.
Use cases
What foreign regulated entities typically need.
- U.S. dollar account structures for foreign regulated entities
- U.S. dollar collections and payouts
- ACH and domestic wire access through the participating financial institution
- Named-account and FBO program structures
- Cross-border settlement with U.S. counterparties
- Stablecoin settlement where supported
- Conversion, reporting, and reconciliation
- Reliance and responsibility allocation
Limitations
Licensing limitations and partner approvals apply.
Ledger1 does not grant regulatory status and does not replace an institution's licenses, compliance program, or risk ownership. Every capability is scoped through diligence, underwriting, and partner approval.
Availability
Products and services are subject to eligibility, customer and use-case review, due diligence, underwriting, jurisdictional restrictions, partner approval, and applicable agreements. Availability varies by product, country, state, currency, asset, network, corridor, and program structure.Questions
Frequently asked questions.
- Can a foreign regulated institution obtain U.S. dollar account infrastructure?
- Potentially. Approval depends on the entity, ownership, jurisdiction, licensing, business model, customers, funds flow, expected activity, documentation, and provider risk appetite. A clear U.S. dollar use case and complete flow-of-funds documentation materially improve reviewability.
- Does the institution get direct access to ACH or Fedwire?
- No. Ledger1 is not a Fedwire participant, and approved programs reach U.S. rails through the participating financial institution. Rails are separate capabilities that may be enabled, limited, or unavailable depending on the program, account structure, bank, jurisdiction, and use case.
- Can the institution extend account details to its own clients?
- Only under an account and program structure specifically approved for that purpose. Named or virtual account details, FBO structures, and underlying-customer programs each require a defined allocation of onboarding, verification, monitoring, recordkeeping, and escalation responsibilities.
- What is a reliance model and does it apply here?
- A banking reliance model is a documented arrangement in which a bank relies on another eligible financial institution to perform specified elements of the bank's Customer Identification Program for shared customers. It is available only where legally permissible and approved by the applicable bank and program partners.
- What limitations should we expect?
- Licensing limitations, jurisdictional restrictions, sanctions requirements, partner policy, and program approval all constrain what a program can do. Availability varies by product, country, currency, asset, network, corridor, and program structure.
Discuss Your Program
Define the U.S. connectivity your institution needs.
Tell Ledger1 the entity, the counterparties, the corridors, the currencies, and the settlement workflows involved.