Funding Overview

There are three ways to put money in:

Method	Start it from	Best for
ACH pull from your linked bank	App or API	Regular deposits from your own US bank.
Wire or ACH push from another bank	That bank	Larger amounts, or banks you haven’t linked.
Stablecoin (USDC)	Your wallet	Funds already on chain.

ACH pull from a linked bank

1. Link your bank (app)

In the app, click Deposit → Domestic Bank → Connect and sign in to your bank. You only do this once per bank. Step by step. Then read it with the API. You’ll need its id:

curl "$CAPITALAI_API_URL/api/v1/linked-accounts" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY"

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/linked-accounts`, {
  headers: { Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}` },
});
console.log(await res.json());

[{ "id": "lba_123", "name": "Checking", "mask": "6789", "institutionName": "Chase" }]

2. Deposit

curl -X POST "$CAPITALAI_API_URL/api/v1/deposits" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"linkedAccountId": "lba_123", "amountUsd": 250, "idempotencyKey": "rent-2026-10"}'

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/deposits`, {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({"linkedAccountId": "lba_123", "amountUsd": 250, "idempotencyKey": "rent-2026-10"}),
});
console.log(await res.json());

{ "transactionId": "txn_456", "status": "in_progress" }

Use a new idempotencyKey for each deposit. If your request times out, send it again with the same key: you’ll get the same deposit back, not a second one.

3. Follow it

curl "$CAPITALAI_API_URL/api/v1/transactions?limit=20" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY"

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/transactions?limit=20`, {
  headers: { Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}` },
});
console.log(await res.json());

The deposit shows up as a deposit with rail bank and method ach. Its status moves:

`status`	Meaning
`in_progress`	The ACH is on its way. This usually takes a few business days.
`completed`	The money is in your balance.
`failed`	The bank returned it, for example for insufficient funds. Nothing was taken.
`canceled`	Stopped before it moved.

Wire or ACH push

Get your account and routing numbers, then send from your other bank as you would to any US account:

curl "$CAPITALAI_API_URL/api/v1/deposit-instructions?method=wire" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY"

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/deposit-instructions?method=wire`, {
  headers: { Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}` },
});
console.log(await res.json());

Stablecoin

Get your deposit address for a network and asset:

curl "$CAPITALAI_API_URL/api/v1/deposit-instructions?method=blockchain&network=Solana&asset=USDC" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY"

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/deposit-instructions?method=blockchain&network=Solana&asset=USDC`, {
  headers: { Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}` },
});
console.log(await res.json());

Read the warning in the response before you send. Funds sent on the wrong network or in the wrong asset may be lost.

Check your balance

curl "$CAPITALAI_API_URL/api/v1/accounts" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY"

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/accounts`, {
  headers: { Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}` },
});
console.log(await res.json());

See Balances and deposit details for every field.

Introduction

Using the App

Compute

Accounts

Funding

ACH pull from a linked bank

1. Link your bank (app)

2. Deposit

3. Follow it

Wire or ACH push

Stablecoin

Check your balance

​ACH pull from a linked bank

​1. Link your bank (app)

​2. Deposit

​3. Follow it

​Wire or ACH push

​Stablecoin

​Check your balance

ACH pull from a linked bank

1. Link your bank (app)

2. Deposit

3. Follow it

Wire or ACH push

Stablecoin

Check your balance