Authenticate with your Fedwire-connected bank or correspondent's API using your assigned credentials and routing number.
Construct the Fedwire message with mandatory fields: sender and receiver ABA routing numbers, amount in cents, business function code (CTR for customer transfer), sender and receiver reference numbers, and beneficiary details.
Include optional type subtype code and imad/omad fields; populate the beneficiary financial institution block if the destination bank differs from the wire address.
Submit the wire before the third-party origination cutoff of 6:45 PM ET — the Fedwire Funds Service itself closes at 7:00 PM ET, but banks set their own earlier cutoffs for customer-submitted wires.
Poll your bank's transaction status endpoint or monitor the OMAD (output message accountability data) returned in the acknowledgment to confirm settlement.
Reconcile the settled wire using the IMAD/OMAD pair as the unique identifier against your internal payment records.
Known gotchas
The Fedwire Funds Service closes at 7:00 PM ET, but third-party origination cutoffs are typically 6:45 PM ET or earlier — missing this window means next-business-day settlement.
Fedwire messages are final and irrevocable once settled; cancellations must be requested before settlement via a separate cancellation message and are not guaranteed.
Amount fields must be in whole cents (no decimal point); an off-by-one error in denomination will send 100x or 1/100x the intended amount.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp