---
title: Send a Wire
slug: tutorials/cos-explorer/wires/send-a-wire
description: Learn how to initiate a wire transfer on the COS Explorer platform with this step-by-step tutorial, covering essential information and processing guidelines.
docTags: 
createdAt: 2025-08-27T07:46:33.646Z
---

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## What you will learn

✅ <font color="#808080">H</font>ow to send a wire in COS Explorer

You can also use the [Wire transfer](docId\:mC0d1W1u80umazO85mEIz) endpoint to perform this task via API.

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Learn about [Wires](docId\:hFNmQa22W2BNqAJijpAVT).
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## Before you begin

Make sure you have:

- [COS Explorer access](docId\:JwSEUG3ELF_gXLhy6T9KI)&#x20;
- Originator details:
  - Originator account number
- Receiver details:
  - Receiving bank routing number
  - Beneficiary Identifier, which can be a personal bank account number, a driver's license number, or some other unique identifier
  - Payment amount in US dollars

## Process overview

To send a wire in COS Explorer, enter the originating bank account number and the required information for the account receiving the wire.

## To send a Wire payment

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A red **\*** indicates a required field.
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Go to **Originate Wire** under **Wires**.
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Enter th&#x65;**&#x20;Business Function Code.**

The business function code erves as an identifier that indicates the nature and intent of the wire transfer transaction within the banking system.

- **CTR (Customer Wire Transfer)**: The recommended standard code for most wire transfers initiated by customers.
- **DRC**: The designated code to use specifically for drawdown requests.
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Enter the Cross River bank account number for the originator.
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Enter the receiver details:

| Required Field | Description                                                                               |
| -------------- | ----------------------------------------------------------------------------------------- |
| Routing number | Routing number of the receiver's bank. For example, Chase's routing number is 021000021.  |
| Purpose        | Explain in 50 characters or less what the wire is for                                     |
| Amount         | The US dollar amount of the transaction                                                   |
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Enter the **Beneficiary Identifier**.

The beneficiary identifier comprises:

- A **Business Function Code**: This is an identifier used in banking transactions, particularly in wire transfers and electronic funds transfers, to specify the type of identifier being provided in the transaction. For example, if you provide an account number, the business function code is **D**.
- The identifier number
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Enter the **Beneficiary Name**.
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The beneficiary financial institution (FI) fields are optional. Use the Intermediary FI fields if indicated in a financial institution’s wiring instructions.
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Click **Originate Wire** to process the Wire transfer.
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A new screen with the text **Success! Wire Created&#x20;**&#x6F;pens.
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Click **View Wires** to see **Wire Details.**
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