Deposit Fiat
Wire fiat currency into your Alpha Ladder account using first-party bank transfer, same-name (named account), or third-party (COBO) paths via the MCP API.
Send fiat funds into a Alpha Ladder account by wiring to Alpha Ladder's bank details (first-party), using a registered named account (same-name), or initiating a managed COBO transfer (third-party).
Before you start
Call get_module_permissions and confirm the deposit module returns hasPermission: true before proceeding. If permission is missing, the downstream tools will be rejected. See Module permissions.
The flow
Alpha Ladder supports three fiat deposit paths. Choose the one that matches the depositor relationship.
Path A — First-party wire (account owner wires directly)
Discover currencies — call get_fiat_deposit_currencies to list available fiat currencies (use default parameters for first-party).
Get the wire details — call get_deposit_bank_account (currency) to retrieve Alpha Ladder's receiving bank account details (IBAN, SWIFT/BIC, bank address) that the user should wire funds to.
Show the returned bank details to the user. The user initiates the wire outside the MCP surface; no execute call is required.
Path B — Same-name (named account) deposit
Discover currencies — call get_fiat_deposit_currencies (isSameNameAccount: true) to list currencies available for named-account deposits.
Confirm same-name support — call get_named_account_currencies to confirm which currencies support the same-name transfer path.
Retrieve named accounts — call get_named_account_list to retrieve the user's registered named bank accounts (IBAN, SWIFT, owner name) to share with the sending bank.
The user wires from their own registered bank account; no execute call is required. For an explanation of first-party vs third-party and what "named account" means, see First-party vs third-party.
Path C — Third-party (COBO) deposit
Discover currencies — call get_fiat_deposit_currencies (withdrawalParty: 'third_party') to list currencies available for third-party deposits.
List COBO payors — call get_fiat_deposit_bank_accounts (withdrawalParty: 'third_party') to list the configured COBO payor bank accounts (each with baNumber, owner info, and relationship).
Preview fees — call get_third_party_fiat_deposit_estimate (currency, amount, feePayer, baNumber) to preview the fee breakdown and net/gross amounts before committing. Show the estimate to the user and ask for explicit confirmation.
Submit the deposit — call execute_third_party_fiat_deposit_submit to submit the deposit request. Returns a depositNumber reference.
get_third_party_fiat_deposit_estimate.For the feePayer field: 'paid_by_me' deducts the fee from the deposited amount; 'paid_by_third_party' adds it on top. See Fees and charge types.
Ask in chat
"I want to deposit 5,000 USD into my Alpha Ladder account. The funds are coming from a third-party COBO payor."
The agent will call get_fiat_deposit_currencies (third_party), list your COBO payors via get_fiat_deposit_bank_accounts, calculate fees with get_third_party_fiat_deposit_estimate, and ask you to confirm before submitting.
What you get back
execute_third_party_fiat_deposit_submit returns { depositNumber } — the unique deposit reference (e.g. "DP2026..."). For first-party and same-name paths, the bank wiring details are returned by get_deposit_bank_account or get_named_account_list respectively; the user completes the transfer through their bank.
For full field descriptions and status conventions, see Response Reference.