American Digital Realty

Investing

Depositing funds

Accounts are funded by bank wire. Your wire instructions are shown inside your account once you are signed in, and they include a reference that ties the transfer to you.

This is not a formality. Redirecting a wire by sending a convincing email is one of the most common ways money is stolen from private funds, and it works because the instructions look ordinary. Treating your signed in account as the only source removes the attack.

Making a deposit

  1. Open the deposit page in your account

    Your instructions and your reference are both shown there.

  2. Copy the reference exactly

    The reference is how an incoming transfer is matched to your account. A wire that arrives without it still reaches us, but it sits unallocated until someone identifies it by hand, which adds days.

  3. Send the wire from an account in your own name

    The sending account has to match the identity you verified during onboarding. A transfer from a third party cannot be credited to you, for the anti money laundering reasons covered in verifying your identity.

  4. Watch for the credit in your account

    Your balance updates once the wire has landed and been matched. Bank timing is outside our control, and international transfers routed through correspondent banks take longer than domestic ones.

Things that slow a deposit down

  • The reference was omitted, truncated by the sending bank, or retyped with an error.
  • The sending account is in a different name to the verified investor.
  • The transfer was sent before onboarding finished. Funds are not applied to a fund until identity and accreditation are both complete.
  • The wire crossed a weekend or a US bank holiday, which pushes settlement to the next business day.

Wire is the only funding method

We do not accept digital currency deposits at this stage. Funds have to arrive as a bank wire from an account in your own name. This is a question we get often, and the answer is no for now rather than no in principle.

The reason is source of funds. A private fund has to evidence where an investor's money came from, and a bank wire carries that evidence with it because the sending bank has already done its own checks on the account holder. Nothing about ADR running on a public ledger changes how you pay in.

Depositing is not the same as investing

Funding your account and subscribing to a fund are two separate steps. Money sitting in your account is not yet allocated, is not earning fund income, and does not appear in your portfolio as a holding. You choose the fund and the amount, and sign the subscription documents, as a distinct action described in making an investment.