We provide two options for funding these cardholder bank accounts: (1) you can load money into your card program and allocate funds to cardholders however you see fit; and (2) cardholders can load their account directly via ACH, debit card, or reload networks.
Learn more about cardholder funding methods here https://docs.aptopayments.com/docs/instant-issuance-programs#cardholder-funding-methods