12+ domestic and international settlement channels, certified PDF audit receipts, digital asset custody, and commercial bill pay in one unified account.
Fund your checking or reserve account via domestic bank transfer, ACH, wire, debit/credit card, digital assets, or direct payment rails.
Disburse capital quickly with zero-fee ACH transfers, same-day domestic/international wires, crypto payouts, and card settlements.
Execute instant ledger-to-ledger transfers to any Blue ridge Bank client or external institution with full reference tracking.
Hold and settle Bitcoin, Ethereum, USDT, BNB, and Solana directly alongside your USD checking ledger.
Settle utility obligations, commercial leases, vendor invoices, and recurring subscriptions directly from your primary balance.
Every transaction automatically generates a downloadable, bank-certified PDF statement with full ledger metadata.
CLEARING SPECIFICATIONS
| Code | Settlement Method | Standard Fee | Clearing Speed | Status |
|---|---|---|---|---|
| BNK-01 | Bank Transfer | Free | Instant | ACTIVE |
| ACH-02 | ACH Transfer | Free | 1–3 Business Days | ACTIVE |
| WIR-03 | Wire Transfer | $25.00 | Same Day | ACTIVE |
| CRD-04 | Debit / Credit Card | 2.5% | Instant | ACTIVE |
| BTC-05 | Bitcoin (BTC) | $2.50 | 10–30 Mins | ACTIVE |
| ETH-06 | Ethereum (ETH) | $2.50 | 2–5 Mins | ACTIVE |
| USD-07 | Tether (USDT) | $2.50 | Instant | ACTIVE |
| BNB-08 | BNB Network | $2.50 | 3–5 Mins | ACTIVE |
| SOL-09 | Solana (SOL) | $2.50 | < 1 Min | ACTIVE |
| PPL-10 | PayPal Direct | Free | Instant | ACTIVE |
| ZEL-11 | Zelle Network | Free | Instant | ACTIVE |
| APL-12 | Apple Pay | Free | Instant | ACTIVE |
REGULATORY THRESHOLDS
DAILY DEPOSIT LIMIT
$50,000
Per day across all settlement rails
SINGLE WITHDRAWAL
$10,000
Standard single disbursement limit
DAILY TRANSFER LIMIT
$10,000
Combined internal & external daily
MONTHLY DEPOSIT VOLUME
$250,000
Rolling 30-day clearing threshold
SINGLE TRANSFER
$5,000
Standard individual transfer cap
FDIC COVERAGE
$250,000
Per depositor institutional insurance
Immediate online provisioning. Zero monthly maintenance fees.