USD SWIFT Onboarding
This guide provides step-by-step instructions for onboarding customers to create and use USD accounts through the Align platform.
Required Documents for Business USD SWIFT Onboarding
To complete the USD SWIFT onboarding, our banking partner requires the following documents:
Certificate of Incorporation - The official document from the company’s registry confirming its legal formation.
Articles of Association - The legal document outlining your company’s governance rules, internal structure, and shareholder rights.
Register of Shareholders and Directors - An official list of all current shareholders and directors.
Important: You must identify the Ultimate Beneficial Owner(s) (UBOs) who collectively hold 51% or more of the business. This can be a single individual with at least 51% ownership, or multiple individuals whose combined ownership meets or exceeds 51%.
Business Proof of Address - A document verifying your business location, dated within the last 90 days. Acceptable documents include a utility bill, bank statement, valid lease agreement, or a government-issued letter.
Proof of Source of Funds - Documentation showing the legitimate origin of the business's funds. Examples include recent bank statements, invoices, commercial contracts, or investment records.
Important: The value shown in your documents must align with your anticipated transaction volume. For example, if you expect to transact $20,000 per month, documents proving only $2,000 in monthly revenue will not be accepted.
Financial Statements - The company's most recent official financial records, typically including a balance sheet, income statement, and cash flow statement.
We cannot onboard a user for USD SWIFT Virtual Accounts unless all documents are provided.
We may require additional supporting documentation on a per-transaction basis to ensure ongoing compliance with our banking partners.
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