Bridge FAQ

These are commonly asked questions as determined by Bridge, our on/off-ramp partner.

When will the funds land in the account?

Next-day ACH transactions can take 1-3 days to arrive in your account. Same-day ACH transactions sent before 4 pm EST will arrive at their destination on the same day.

Wires can take a few hours to process, but they will be processed the same day as long as they are received before 5 pm EST.

My funds are missing or have not landed in my account.

Contact us at info@cascade.xyz or open a support ticket in our Discord and we will investigate. If you have sent funds from your bank account, request a Trace ID for an ACH payment or an IMAD for a wire from your bank. Providing this information will help us track down the transaction faster.

What is the minimum amount that I can send or receive?

Minimums are enforced after fees are deducted, so the amount you send or withdraw must clear both the fee and the minimum:

Minimums
- ACH deposit: $1
- Wire deposit: $10
- ACH withdrawal: $2
- Wire withdrawal: $11
- USDC withdrawal: $1
Fees
- Wire deposit: $10
- Wire withdrawal: $10
- All other withdrawals: $1

What regions are currently supported?

Bridge can be used to facilitate payments for customers in most countries not on the OFAC sanctions list.

Within the United States, we can support users (both individuals and businesses) in most states, excluding those with a principal residential or operating addresses (as applicable) in New York.

Please refer to this page for more information regarding regional availability.

Where do I input the memo when making a payment?

Memos can be entered in the Memo or reference field when creating the ACH or Wire.

For JP Morgan Chase, the correct field is called “Message to Recipient.”

For Mercury, the correct field is called “Message to Recipient.” We recommend reaching out to your bank if you are not sure where the memo should go.

My bank doesn’t recognize the Routing Number for the payment. What should I do?

The correct routing numbers for Lead Bank are 101019644 for virtual accounts and 101206101 for most memo-based payments. Both can be found on FRB Services’ website at frbservices.org. The American Bankers Association also provides an online lookup tool for routing numbers. If you encounter any errors, please contact your bank’s support and inform them that these routing numbers are listed on the websites mentioned above and should be recognized to support wire and ACH payments.

Does Cascade provide SWIFT codes or account numbers to its customers?

Virtual accounts with Cascade do not currently support SWIFT payments, only ACH and US domestic wires.

What types of transactions can I receive in my virtual account?

Virtual accounts are fully permitted to receive the following transactions for non-US residents:

First-party payments where you are sending USD from your bank, fintech app, or brokerage account

Third-party payments where a registered business sends USD from its bank account

Third-party payments from a family member’s bank account where you share a surname

Third-party person-to-person payments for an amount less than $4,000

The following types of transactions are fully permitted to be received by virtual accounts for US residents:

First-party payments where you are sending USD from your bank, fintech app, or brokerage account

Payroll payments from businesses

Third-party payments in most states. Please refer to First and Third-Party Payment Support for details.

My bank did a microdeposit to my virtual account. How do I get the amounts for the microdeposits?

Notifications for microdeposits made to virtual accounts are sent via email, SMS, or push notification. It can take up to 1 day for the microdeposits to arrive.

I am being asked for a 3-letter code by Plaid that was sent to my virtual account. Where can I find this code?

The 3-letter code is included as part of the descriptor of the microdeposit.

I have a question about a payment. How can I contact support?

Reach out to Cascade at info@cascade.xyz or open a support ticket in our Discord. Please avoid contacting our banking partners directly, as they are not best suited to help you.