> For the complete documentation index, see [llms.txt](https://docs.defx.com/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.defx.com/docs/pay/fiat-ramps/usd.md).

# USD

Deposit and withdraw USD directly from the Defx app via dedicated US virtual accounts under your own name. Fund your account, receive payroll, or make payments straight from Defx.

### 1. Overview

<table><thead><tr><th width="113.6171875">Customer</th><th width="111.61328125">Exchange Rate</th><th>Sources</th><th width="188.53125">EDD Thresholds</th><th>Fees</th></tr></thead><tbody><tr><td>Non-US resident</td><td>1:1 USD &#x3C;> USDC</td><td><strong>First party:</strong> Your own bank, fintechs, brokerages<br><strong>Third Party:</strong> Individuals, businesses</td><td><strong>First Party:</strong> >$10,000/ transaction<br><strong>Third party:</strong> >$5,000/ transaction<br><strong>Overall:</strong> >$20,000 per month</td><td><strong>Incoming:</strong> ACH - free<br>Wire - $20<br><br><strong>Outgoing:</strong><br>ACH - free<br>Wire - $20</td></tr><tr><td>US resident</td><td>1:1 USD &#x3C;> USDC</td><td><strong>First party:</strong> Your own bank, fintechs, brokerages<br><strong>Third Party:</strong> Businesses</td><td><strong>First Party:</strong> >$10,000/ transaction<br><strong>Third party:</strong> >$5,000/ transaction<br><strong>Overall:</strong> >$20,000 per month</td><td><strong>Incoming:</strong> ACH - free<br>Wire - $20<br><br><strong>Outgoing:</strong><br>ACH - free<br>Wire - $20</td></tr></tbody></table>

### 2. KYC

* You must complete identity verification (KYC) to get access to USD ramps.
* KYC is collected and verified by Noah; their eligibility rules and sole discretion applies.

### 3. Enhanced Due Diligence (EDD)

1. Noah will email your registered address requesting:
   * Source of Funds documentation; and
   * Purpose of the transaction.
2. The deposit will be held at the fiat layer until documents are reviewed.
3. If the requested documents are not provided within 10 days, the transaction is rejected and funds are automatically refunded back to the sending account.

### 4. Disclaimers

* Defx is not a bank.

  Fiat is not custodied by Defx; Noah orchestrate regulated rails and bank networks behind the scenes.
* Partner terms apply.

  KYC, eligibility, and compliance checks for USD are performed by Noah. Their terms and policies govern access to the USD rails.


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