Funding Accounts

Choosing your funding method

There are several ways to fund an account with fiat currency:

1. Plaid-connected bank account — Transfer funds from a customer's Plaid-connected external bank account to their fiat account via ACH or EFT.
2. Book transfer — Transfer funds from the bank's fiat account to the customer's fiat account. Settles almost instantly. Sandbox only.
3. Deposit bank account — Receive funds via ACH push, wire transfer, RTP, or FedNow into a customer's deposit bank account.
4. Interac E-Transfer — Deposit CAD via Interac E-Transfer. Available to Canadian banks only.

Access transaction data and bank statements

Cybrid does not provide downloadable bank statements via the dashboard or API. Use the following endpoints to retrieve transaction-level data for reconciliation or custom reporting:

• GET /api/transfers — transfer data, filterable by account_guid, customer_guid, state, side, and other parameters
• GET /api/trades — trade activity

Webhooks are also available for real-time monitoring. Contact support for additional reporting assistance.

ACH Deposit Returns and Portal Status

When a customer's bank returns an ACH deposit (for example, due to insufficient funds), the Cybrid portal continues to display the original transfer as completed. The details for that transfer include a return_code field indicating the reason for the return. Cybrid also creates a new funding_return transfer to record the return event and reference the original transfer.

To confirm a returned deposit:

• Check the original transfer for a value in the return_code field.
• Look for a funding_return transfer linked to the original transfer ID.
• The funding_return transfer includes the ACH trace number and return code (e.g., R03 for insufficient funds).

The original transfer status remains completed in the portal, but the funding_return transfer records the return.

Canadian (EFT) Funding Withdrawals

For Canadian (CAD) funding withdrawals using the EFT rail, you must specify the destination_account_guid (the external bank account GUID) in the quote API request. If this field is omitted, you may receive a 422 error with message_code: no_destination_account. This requirement is specific to certain banking providers and may differ from the US (ACH) flow, where the destination account may not be required at the quote stage. Always ensure the destination account is valid and active.