This is also the reason generic money transfer services like Wise or Western Union are typically not suitable for funding a brokerage account like DriveWealth.

These services are designed mainly for person-to-person transfers or payments to standard bank accounts. In many cases:

• they do not allow you to pass the detailed beneficiary reference fields exactly as required
• they may pool transfers together before onward remittance
• the final transaction may not carry your unique brokerage account identifier cleanly

For brokerage funding, this reference detail is not optional. It is the key that tells the receiving institution which account to credit.

If the incoming transfer reaches DriveWealth without the required reference information, DriveWealth cannot confidently allocate it to a specific investor account. In such cases, the transfer is often rejected or returned, or it may get stuck until the sender provides additional documentation.

That is why Vested provides precise wire instructions through the app and expects investors to use bank wires that can carry the required details end-to-end.