WireWharf gives businesses and individuals dedicated US bank accounts, transparent USD → USDC conversion, and withdrawals to self-custody wallets.
Individual and business accounts · Verification required before funding
No exchange queues, no OTC desks, no opaque pricing. A clean, auditable path from bank rails to on-chain dollars.
Create an individual or business account and complete verification. Your legal name is recorded as the reference for incoming funding.
Identity verificationReceive a dedicated US bank account in your name. Deposit via ACH, wire, or RTP — deposits are matched against your verified identity before they touch your balance.
ACH · Wire · RTPConvert USD to USDC at a live rate with the fee shown up front, then withdraw to your own wallet.
Self-custody by defaultMove operational dollars into digital dollars without routing through exchanges built for retail traders.
Get your dollars on-chain with the same compliance standards institutions expect — and keep custody of the keys.
Banking runs on licensed rails. Transactions run through structured controls and recorded decisions.
Deposits are matched to the account holder's verified name before they reach your balance. Third-party funding is held for review and typically returned.
Conversions, withdrawals, and review decisions are written to an append-only log with multi-year retention. Records can't be edited.
Banking, money transmission, and identity verification are provided by licensed partners. WireWharf is not a bank.
Two-factor authentication, re-verification for sensitive actions, and identity collection on qualifying withdrawals.
The platform's payment layer is a clean interface — banking rails are pluggable providers behind it. Integrations are engineering tasks, not rewrites.
Every provider event arrives signed, idempotent, and reconciled — with dead-letter handling and audit persistence. No silent drops.
Balances are projections of an append-only ledger. Every dollar in, out, and converted has matching entries — reconciliation is a property, not a chore.
Neither. WireWharf is a technology platform: banking, money transmission, and identity verification run on licensed, regulated infrastructure partners. Your funds stay inside that licensed perimeter at all times — WireWharf never takes custody of them itself.
Individuals and businesses. Individual accounts require government-ID verification; business accounts add beneficial-owner declaration and an expected-activity review. Both are completed online, and funding unlocks after verification.
No — and this protects you. Deposits must come from an account in your own verified name. Payments made on your behalf by someone else are held for review and typically returned to the sender.
A single, transparent fee shown before you commit — the rate you see on the quote is the rate that executes. Network fees on withdrawals are estimated at request time and settled at actual cost.
To a wallet you control. Withdrawals go to self-custody addresses you register and verify — WireWharf holds no withdrawal addresses of its own on your behalf, and new addresses are subject to a security hold before first use.
WireWharf serves customers in supported jurisdictions, screened at signup. Availability of specific funding rails and features can vary by region — contact us for your market.
Sensitive documents are processed by licensed verification providers — WireWharf stores verification outcomes, not document originals. Operational data lives behind session-based authentication with two-factor support, and every access-relevant action is written to an append-only audit log.
Open an account in minutes. Verify once, fund, convert, and withdraw — on rails built for compliance.