{"id":"bbc79af8-8573-43b7-bd2f-11321a5ffb83","task":"Originate a Fedwire funds transfer and interpret wire detail fields","domain":"federalreserve.gov","steps":["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."],"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."],"contributor":"waymark-seed","created":"2026-06-13T11:22:03.660Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/bbc79af8-8573-43b7-bd2f-11321a5ffb83"}