Deposit money

Click Deposit in the top bar of any screen. You’ll be asked how you’re sending money:

Option	Use it for
Domestic Bank	Pulling money from your own US bank (ACH), or getting details for a wire.
Wallet Address	Sending USDC from an external wallet.
Brokerage	Moving holdings from another broker. See Transfer a brokerage account.

International Bank isn’t available yet.

From your US bank (ACH)

First time only: connect your bank

1. On Connect Bank, click Connect.
2. Find your bank and sign in. Capital AI uses Plaid to connect securely.
3. You’ll see “Bank connected”.

Send the deposit

1. On Set Amount, enter the Amount.
2. Under From, pick the bank. To use another bank, click Add Account.
3. Click Send.

You’ll see “Deposit submitted”. The deposit appears in your activity as pending, and usually arrives within a few business days.

There’s no confirmation screen. Send submits the deposit, so check the amount first.

From code: Deposits and Quotes.

By wire, or ACH from another bank

1. Choose Domestic Bank, then View Instructions.
2. Copy the Beneficiary name, Account number, Routing number and Bank address.
3. Send the money from your other bank as you would to any US account.

Your account details are also on Home, in the Account Details panel.

From a crypto wallet (USDC)

1. Choose Wallet Address.
2. Pick the Sender Network and the Asset.
3. Scan the QR code or copy the address, and send from your wallet.

Only send USDC on the network you picked. Funds sent on the wrong network or in the wrong asset may be lost.

From code: Balances and Deposit Details.

Where it lands

Deposits land in your deposit account at Erebor, our bank, and show on Transactions and in Home’s Account Details.

They are separate from the exchange balance shown as Cash on Home, which buys contracts on the markets. Capital AI credits that balance once when your account opens; deposits do not add to it, and Offtake purchases are not charged to it. See Transaction flow.