A Dappr Financial Account cannot accept a cross-border payment sent directly to its Fifth Third routing and account number, because those credentials have no SWIFT linkage. Instead, Dappr issues a Virtual Bank Account Number (VBAN)—a one-time set of wire instructions linked to a single sender. The VBAN lets overseas partners remit U.S.-dollar funds while giving Dappr and its banking partners the extra context they need to screen international traffic for fraud and sanctions risk. Once a VBAN is active, the sender may reuse it indefinitely to pay your company in USD.

From the desktop dashboard open Financial Account → Deposits, click New deposit, or select Receive ACH or wire from the Actions menu beside Send funds. Choose International Wire when prompted, enter the sender’s name and an estimated first payment amount, and submit. The system generates VBAN instructions instantly; copy them or click the button to forward the details to the sender via email. (VBAN issuance is not yet available in the mobile app.)

The sender wires USD only to the VBAN details you provide. If their bank tries to push another currency, the transfer will bounce without fee. Some originating banks convert foreign funds to USD before sending; that is acceptable because the VBAN rails recognize only the incoming U.S.-dollar amount. Each VBAN is tied to the sender’s name, so sharing it with other counterparties or altering the beneficiary information results in an automatic return.

Every incoming international wire incurs a $20 fee, deducted from the posted amount (never more than the transfer itself). Individual wires are capped at $1 million; there is no explicit daily or annual volume ceiling, though Dappr’s risk engine monitors aggregate activity and can deactivate a VBAN or freeze the account if patterns look suspicious.

Settlement speed varies widely. A routine USD payment from a major European bank often lands in one to three business days, whereas wires from higher-risk jurisdictions can take up to ten business days—or longer if intermediary banks perform extra checks. Dappr manually reviews every first-time sender and any transfer the system flags for sanctions or fraud. These investigations add anywhere from a few hours to several weeks depending on the complexity of the case and whether additional documents are required.

VBAN details live under Financial Account → Deposits; you can copy them again or archive a VBAN you no longer need by opening Senders & recipients on the desktop site. An unused VBAN may expire without notice, but Dappr will email the legal representative if deactivation occurs. If a sender’s payment bounces because the VBAN has lapsed—or because it originated from a sanctioned country such as Russia, Iran, North Korea, or Belarus—no fee is charged to your account, and the funds return to the originator automatically.

Deposit status updates flow to both desktop and mobile. On desktop, navigate to Financial Account → Deposits; in the mobile app choose Finance → Deposits. Email and push notifications alert the legal representative and any authorized user who has opted in when a VBAN is created and when funds post or are placed on hold.

Maintain clear documentation—such as invoices, contracts, or investment agreements—to prove the purpose of incoming funds if Dappr requests it during a review. When the wire is payment for products or services, issuing the invoice through Dappr Sales automatically links the paperwork to the deposit and reduces the chance of a hold. Because VBANs are sender-specific, remind your counterparties not to share those instructions with anyone else.