How do I make a bank transfer / wire deposit, step by step?

1. Get a quote for the amount and currency you want to deposit.
2. Create the deposit (or fetch transfer instructions). You’ll receive bank details — bank name, account name, account number, routing number, and bank address.
3. Send the funds from your bank, including the reference/memo exactly as shown (see the reference-code question below).
4. Funds are automatically converted to USDC and delivered to your wallet as USDb once received.

For a wire, you’ll see instructions like: “Send USD via wire to the account above. Reference: {your code}. Funds will be auto-converted and delivered to your wallet.”