1. What is EDAS?

EDAS (Embedded Deposit Account Solution) is a bank-owned custodial deposit account product that enables enterprise fintechs and SaaS platforms to integrate compliant and scalable deposit account functionality into their applications.

For more information please visit the "What is EDAS?" section of the Newline's Embedded Deposit Account Solutions (EDAS) Guide.

2. What types of accounts does EDAS support?

EDAS supports two types of deposit accounts:

• Custodial Accounts: Pooled deposit accounts held by the bank to manage funds on behalf of end users.
• Business DDAs: Traditional demand deposit accounts issued directly to the platform or business entity.

For more information please visit the Product Features section of the Newline's Embedded Deposit Account Solutions (EDAS) Guide.

3. What payment services are integrated with EDAS?

EDAS supports ACH, Wire, Real-Time Payments (RTP), Book Transfers, and Checks.

For more information please visit the Product Features section of the Newline's Embedded Deposit Account Solutions (EDAS) Guide.

4. What are Virtual Reference Numbers (VRNs)?

VRNs are unique identifiers used to tag and route externally originated payments to the correct end-user sub-ledger. They are used for receiving payments only and do not represent real bank accounts or hold balances.

For more information please visit Virtual Reference Numbers (VRNs) Guide or the VRNs section of the Newline's Embedded Deposit Account Solutions (EDAS) Guide.

5. How does EDAS handle payments originated from an external bank account?

Payments from external banks are tagged with a VRN to ensure accurate routing to the correct end-user sub-ledger.

For more information please visit Payment Originated from External Bank Account section of the Newline's Embedded Deposit Account Solutions (EDAS) Guide.

6. What integration methods are available for EDAS onboarding?

Two methods are available:

• Managed File Transfer (MFT): Secure file exchange for batch payments and reconciliation.
• API: Real-time access for payment initiation and reporting.

For more information please visit Integration section of the EDAS Onboarding Guide.

7. What data files are required for EDAS?

Required files include:

• EDAS Specific: Payment Transactions, Person Entity
• Common: Accounts, Business, Beneficial Ownership

For more information please visit Required Data Files section of the EDAS Onboarding Guide.

8. What authentication method does EDAS use?

EDAS uses token-based authentication via API credentials (Program UID and HMAC Key). Tokens are obtained using POST /auth.

For more information please visit Authentication & Security section of the EDAS Onboarding Guide.

9. Which payment rails does EDAS support?

EDAS supports ACH, Wire Transfers, and Instant Payments.

For more information please visit Payment Rails section of the EDAS Onboarding Guide.

10. What testing resources are available before launch?

Newline provides a sandbox environment for connectivity and UAT testing, including error simulation scenarios.

For more information please visit Testing & UAT section of the EDAS Onboarding Guide.

11. Where can I find support after production launch?

Email [email protected] or refer to resources like FAQs, Support, and Error Guides.

For more information please visit Support section of the EDAS Onboarding Guide.

12. What is Bring Your Own Ledger (BYOL) in EDAS?

BYOL allows clients to maintain their own internal system of record while leveraging EDAS for compliant, bank-backed deposit account infrastructure.

For more information please visit the Bring Your Own Ledger (BYOL) Guide.

13. What are the supported ACH transaction types?

ACH supports both credit and debit transactions, including Standard and Same-Day processing. International ACH is currently unsupported.

For more information please visit the ACH (Automated Clearing House) section of the Bring Your Own Ledger (BYOL) Guide.

14. What are the supported Wire transfer capabilities?

Wire transfers support secure, high-priority USD payments via Federal Reserve or CHIPS networks. Domestic wires only; international wires are currently unsupported.

For more information please visit Wire Transfers section of the Bring Your Own Ledger (BYOL) Guide.

15. What is required for Account Reconciliation?

Clients must provide reconciliation files daily via sFTP in the specified format. Reconciliation occurs at least one day post-activity.

For more information please visit the Account Reconciliation Guide.