Wire transfer
When it has to land today.
Domestic CAD wires for large-value settlement: real estate closings, supplier finals, treasury moves between institutions. Instructed from the portal or the API, released after dual approval, confirmed with a wire reference you can give the beneficiary.
Wire transfer features
Same-day value
Instructed and approved before 2:00 PM ET, delivered to the beneficiary institution the same business day.
No ceiling
Large-value settlement is what wires are for. Your limit is your wallet balance, not a product cap.
Wire reference returned
Every released wire returns a reference you can hand to the beneficiary for tracing.
Dual approval
Wires above your threshold require a second approver. The audit log records who instructed and who released.
Beneficiary library
Store validated beneficiaries once. Repeat wires reuse the record, so nobody retypes an account number.
Recall support
If an instruction goes out in error, your account manager initiates a recall request the same day.
Cut-off times
Wires instructed and approved before the cut-off settle the same business day. After cut-off, the value date rolls to the next business day.
- Instruction submitted
- BY 2:00 PM ET
- Final approval released
- BY 2:30 PM ET
- Delivered to beneficiary
- SAME BUSINESS DAY
- Confirmation available
- WITHIN 30 MIN OF RELEASE
Controls on every wire
Maker-checker by default
The person who creates the instruction cannot be the person who releases it.
Per-user daily limits
Cap what any individual can instruct in a day, independent of the wallet balance.
Beneficiary allow-lists
Restrict wires to pre-approved beneficiaries only. New records need compliance sign-off.
Full audit trail
Timestamped, immutable, exportable. Every view, edit, approval and release.
Domestic only
Canadian dollars, Canadian institutions.
Grayde wires settle between Canadian financial institutions in CAD. We do not send or receive cross-border or foreign-currency wires, and no conversion takes place on the platform.