A bank transfer deposit credits your wallet from an account at your own bank. You pay the organisation's account at its bank, and DALP never holds the money. Once the bank reports the payment, the organisation's bank rail, its connection to that bank, matches the payment to you by a reference or a virtual IBAN. The organisation then approves the mint, by its approval policy or by a second person, and the tokens appear in your wallet. A cash-out runs the other way and appears in the same Transfers list. The bank rail page covers the operator side of the same connections.
Copy the details from the Deposit dialog. They belong to one bank connection and one token. A payment that carries the wrong reference, or arrives after its connection was paused, cannot be matched to you, so ask the organisation about it, quoting the amount and the date.
Steps
Choose a deposit method
Open “Portfolio”, then select “Deposit”. The dialog lists the ways this organisation offers you. “From a wallet” is the custody route, described in Wallet deposits and withdrawals, and “By bank transfer” opens the bank details. A dialog with one method opens that method directly.
The Deposit button appears when the organisation's custody deposits are on and licensed, or the bank rail is switched on. The “From a wallet” method needs custody operations to be on. The dialog waits while it reads which methods apply, and shows a retry when reading your bank details fails.
Find your token group
Each token you can receive is a group, headed by the token's symbol and a line that says you receive that token in your wallet. When the platform cannot name a token, the group is headed by the token's shortened address instead.
Under the group, each bank connection you are a client of is one card with the bank's name. A card on a paused connection or a paused token link carries a “Paused” badge and says “This bank connection is paused. Do not send a payment until it resumes.”
Copy the account and the reference, or the virtual IBAN
A reference connection shows two values: the organisation's reserve account at its bank, labelled with its currency, and the payment reference that goes in the payment. A virtual IBAN connection shows one value, the virtual IBAN the bank assigned to you. Every value has a copy control.
The reference is what matches the payment to you, so put it in the payment exactly as shown. On a virtual IBAN connection the IBAN itself matches the payment to you.
Make the payment from your bank
Send the amount in the currency of the account you copied, to that account or IBAN, with the reference when the connection uses one. The platform does not see the payment until the bank reports it, so an instruction your bank has not sent yet cannot appear in the portal.
Follow the payment in Portfolio transfers
Open “Portfolio”, then “Transfers”. Each bank payment you made is one “Bank payment” row, merged with your custody transfers and withdrawals, newest first. The Type filter narrows the list to bank payments.
A payment that has arrived and is not in your wallet yet sits in the “In progress” section, separate from the history, however many newer transfers exist. It moves into the history once it is minted or returned.
Read the outcome
A bank payment row shows the amount and currency, the date and time, the payment reference and the value date, and one of three outcomes.
“Waiting” is a normal state. The payment has reached the organisation and the mint has not completed, often because it waits for the organisation's approval, which lapses after seven days. The row gives no reason.
The page refreshes the list on its own while a payment is waiting, so you do not need to reload it.
When your bank later reverses the payment, the organisation can recall the tokens, with a second bank rail manager's approval, by a forced transfer from your wallet or a booked correction.
Follow a cash-out
A cash-out turns tokens back into money paid to one of your own bank accounts.
Request the cash-out from “Withdraw” in the Investor portal, as How to cash out describes. A cash-out pays only into an active bank account. Propose a bank account from the account menu of the Investor portal or the Console: open “Bank accounts”, select “Propose a bank account”, then enter the account holder, the bank, and the IBAN or the account number and bank identifier. When you are a client for more than one token, also choose the token the account is for. The account shows “Proposed” until a second person at the organisation approves it, then “Active”. The menu item shows only once the organisation has linked you as a bank client. Without a link, the Bank accounts address says the page is not available. A refused or revoked account keeps its row with that state, and the organisation's reason is not shown to you.
How a cash-out starts depends on the token link's supply mode:
- In Booked movements mode, your wallet requests a redemption on the token with “Request redemption” on the token's “Booked movements” card, or with
POST /api/. The organisation then records the cash-out, or you record it through the API.v2/ tokens/ {asset Id}/ features/ register- lines/ lines - In Supply delegate mode, you approve the rail's escrow for the amount with
POST /api/on the token, naming the escrow as the spender, and then record the cash-out through the API.v2/ tokens/ {asset Id}/ approvals
The organisation tells you which mode your token uses and the escrow's address. The bank rail page describes both modes.
Through the API, record a cash-out at POST /api/ from a fresh signed-in session with an Idempotency-Key header. A call without the key, or with an API key instead of a session, is refused.
Each cash-out is one outgoing “Cash-out” row in “Transfers”, with the amount in the currency of the bank connection and its state. The Type filter lists “Cash-out”, and the search matches the amount, the currency, the state and the detail text. A cash-out that has not finished sits under “In progress”. Once it is “Paid”, “Released” or “Returned” it moves to “History”.
In these state names, “your bank” means the organisation that pays you out, which approves the cash-out, not the bank that holds your own account. “The bank” means the organisation's bank, which sends the payment.
A released row names the reason, for example “Released: the payout deadline passed”. A release can also follow a move of your tokens: “Released: the tokens were taken back before the payment went out” when you took them back from the escrow after its deadline, and “Released: your bank paused cash-outs; you can request again” when a token custodian returned them from an escrow the rail no longer controls, or the token link stopped being active.
The detail line shows the destination account with all but its last four characters hidden, the bank's reference once the bank gives one, the transaction hash, the payout deadline while the payment has not gone out, and the date it was paid.
The row is read-only. In Booked movements mode you stop a cash-out by withdrawing its redemption request before the payment goes out: select “Withdraw” on the request in the “Booked movements” card, then confirm “Withdraw request”. The row then reads “Released: the request was withdrawn”.
Troubleshooting
The bank transfer method is missing
The dialog lists “By bank transfer” only when the organisation has the bank rail switched on and has made you a client on at least one of its bank connections. Ask the organisation to add you as a client on a connection, then open the dialog again.
Your bank details cannot be read
The panel says your bank details could not be read and offers “Try again”. Your links do not change on their own while that message shows, so retry before you ask anyone for the details.
A card says Paused
Do not send a payment to a paused connection or a paused token link. Keep the details, because they are the ones you use once the connection resumes.
Your payment does not appear
A bank transfer appears only after the bank reports it, and the row is matched by the reference or the virtual IBAN. Check that the payment carried the exact value you copied, and that you paid the account shown on the card.
A payment shows as Waiting for a long time
A waiting payment has arrived and the mint has not completed. The row carries no reason, so ask the organisation to check the payment against its bank reconciliation rather than sending a second payment.
How to cash out
Open “Portfolio”, select “Withdraw”, then “To my bank account”. This method appears when the organisation has enabled the bank rail and linked you as a bank client. If it is your only withdrawal method, it opens directly. Choose the token when you have more than one, then choose your active payout bank account. Propose your own account through Account > Bank accounts. Another person at your bank approves it before it can receive a payout.
The Console Portfolio offers the same method under Withdraw. There the booked step lists only the redemption lines you already requested, and a missing payout account links to Bank accounts in the Console account menu, the same page as in the Investor portal. Your bank payments and cash-outs also show on the Console Portfolio Transfers tab, with the same rows as here.
The bank link determines which of these two paths you see:
- A redemption line: choose a request to redeem tokens from the wallet linked to your bank. If you have not requested one, select “Request a redemption” and complete that request. Returning to the bank method selects the new line. A line that already has a cash-out shows its state and cannot be selected again.
- An amount: enter the amount in the currency shown. Use the wallet linked to your bank. When its allowance is too small, select “Approve exact amount” and authorise that amount for the escrow, the account that holds tokens until the payment can proceed. An allowance that already covers the amount lets you proceed directly.
Select “Request cash-out”. The dialog closes and the payment appears in Portfolio > Transfers. Payments still being processed sit under “In progress”. A payment that exceeds the bank's approval limits waits for another person at the bank to approve it. A retry after a refused request or an unconfirmed response keeps the same request identity, including when you close and reopen Withdraw, so it cannot create a second payment for that attempt.
A paused bank link, an escrow that is not ready or a missing active payout account replaces the form with its current readiness message. Propose an account through Account > Bank accounts when none is active for the token. A failed read offers “Try again” and does not mean that your bank link has disappeared.
After your bank replaces its wallet
Cash-out can be temporarily unavailable while the bank replaces its wallet. Reopen the method or select “Try again” to read its current details. The replacement escrow needs its own allowance, so approve the exact amount again when prompted. The Portal reads the current bank link before approval and before requesting payment. Changed details stop the write so you can use the new details.
When a request is refused
Follow the sentence shown in the dialog. A line already paying into another account cannot be requested again for the account you chose. An open recall of a bank credit takes tokens from the linked wallet. Cash-out becomes available again once it closes. While your participant account is suspended, closed, terminated or restricted from withdrawals, every cash-out request is refused. An administrator can lift a suspension, closure or restriction. A termination is final. If the wallet's existing allowance covers the amount but its balance is too small, the bank's message remains visible and the Portal does not ask you to approve the same amount again.
Read the same data from the API
The Deposit method only reads. GET /api/ returns the caller's own links: the bank's name, the currency, the reference or virtual IBAN, the reserve account, the token, and the link's state. GET /api/ returns the caller's bank payments, filtered by filter[progress] with open or done and by filter[q] for a search term, and pages through the cursor in links.next.
The Withdraw method sends POST /api/ with the connection, active payout account and either a redemption line or a currency amount. GET /api/ returns the caller's cash-outs in Transfers, newest first, filtered by filter[progress] with open or done, in offset pages. These routes are described in the Platform API reference.
Related pages
Use Portfolio for the holdings the minted tokens arrive in, and the bank rail page to understand what the organisation does with a payment before it reaches your wallet.