> ## Documentation Index
> Fetch the complete documentation index at: https://developer.fin.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Create Virtual Account V2
> Create a virtual bank account for a specific customer to convert fiat deposits to crypto. The `customer_id` path parameter identifies the customer for whom the virtual account is being created.
V3 is the current version of this endpoint. Use [Create Virtual Account V3](https://developer.fin.com/api-reference/virtual-accounts/create-virtual-account-v3)
for new integrations. V2 stays available for existing integrations.
* Check all the supported fiat and crypto rails and currencies, along with the valid combinations, in [Supported rails and currencies](https://developer.fin.com/guides/coverage/supported-rails-and-currencies).
* The available rails and currencies depend on the configuration set up for you. Contact support to know more.
* The minimum deposit amount for USD virtual accounts is 50 USD.
## OpenAPI
````yaml POST /v2/customers/{customer_id}/virtual-accounts
openapi: 3.1.0
info:
title: Fin.com API
version: 1.0.0
description: >-
A simple API specification for Fin.com, a financial services platform that
provides a range of banking and payment solutions for businesses and
individuals. This API allows developers to integrate Fin.com's services into
their applications, enabling functionalities such as customer management,
transaction processing, and access to financial data.
servers:
- url: https://sandbox.api.fin.com
description: Sandbox server
- url: https://api.fin.com
description: Production server
security: []
tags:
- name: Authentication
description: A modified OAuth 2.0 Client Credential Flow
- name: Customers
description: Customer management and document upload operations
- name: Balances
description: Retrieve wallet balance information
- name: Catalogue
description: |
A set of endpoints to retrieve contextual data to assemble requests
to fin.com's API
- name: Beneficiaries
description: Manage beneficiary accounts for payments and transfers
- name: Transactions
description: Transaction history and management for beneficiaries
- name: Virtual Accounts
description: Create and manage virtual accounts for USD to USDC conversions
- name: Fees & FX Rates
description: Retrieve fees and foreign exchange rates
- name: Crypto Orchestration
description: >-
Accept crypto deposits from exchange and external wallets and settle them
to a destination wallet
paths:
/v2/customers/{customer_id}/virtual-accounts:
post:
tags:
- Virtual Accounts
summary: Create Virtual Account V2
description: >-
Create a virtual bank account for a specific customer to convert fiat
deposits to crypto. The `customer_id` path parameter identifies the
customer for whom the virtual account is being created.
operationId: createVirtualAccountV2
parameters:
- name: customer_id
in: path
required: true
schema:
type: string
format: uuid
description: Unique identifier of the customer to create the virtual account for.
example: ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06
requestBody:
required: true
content:
application/json:
schema:
type: object
required:
- destination
- source
- developer_fee
properties:
destination:
type: object
required:
- wallet
- currency
- rail
properties:
wallet:
type: string
description: >-
Destination wallet address. The address format depends
on the rail. Ethereum, Base, and Polygon use hexadecimal
(0x...), and Solana uses base58.
example: '0x6e41e83d406185b358bd72111ab1206cb82eb67f'
currency:
type: string
enum:
- USDC
- USDT
- EURC
description: >-
Token delivered to the destination wallet. Availability
depends on both the rail and the source rail. See
[Supported rails and
currencies](https://developer.fin.com/guides/coverage/supported-rails-and-currencies)
for valid combinations.
example: USDC
rail:
type: string
enum:
- POLYGON
- ETHEREUM
- SOLANA
- BASE
description: >-
Blockchain network for the destination wallet. Not every
token is issued on every network. See [Supported rails
and
currencies](https://developer.fin.com/guides/coverage/supported-rails-and-currencies)
for valid combinations.
example: POLYGON
source:
type: object
required:
- currency
- rail
properties:
currency:
type: string
enum:
- USD
- EUR
- MXN
description: >-
Fiat currency of the incoming deposit. Each source rail
settles in a single currency.
example: USD
rail:
type: string
enum:
- ACH
- SWIFT
- FEDWIRE
- FEDNOW
- SEPA
- SPEI
description: >-
Fiat payment rail used to fund the virtual account. ACH,
Fedwire, and FedNow settle USD domestically, SWIFT
settles USD internationally, SEPA settles EUR, and SPEI
settles MXN.
example: FEDWIRE
developer_fee:
type: object
required:
- percentage
- fixed
properties:
percentage:
type: number
example: 0.1
fixed:
type: number
example: 0.1
example:
destination:
wallet: '0x6e41e83d406185b358bd72111ab1206cb82eb67f'
currency: USDC
rail: POLYGON
source:
currency: USD
rail: FEDWIRE
developer_fee:
percentage: 0.1
fixed: 0.1
responses:
'200':
description: Virtual account created successfully
content:
application/json:
schema:
type: object
properties:
data:
type: object
properties:
id:
type: string
format: uuid
example: 024e784b-bc27-4a4c-82ee-80000fbf53c5
status:
type: string
enum:
- PROCESSING
- IN_COMPLIANCE
- REQUEST_FOR_INFORMATION
- ACTIVE
- INACTIVE
- DECLINED
example: PROCESSING
customer_id:
type: string
format: uuid
example: 0fb72092-22a8-4df8-a6d9-1a28f86b7d44
created_at:
type: string
format: date-time
example: '2026-04-04T11:05:20.963676Z'
rfi:
type: object
nullable: true
example: null
examples:
OK:
summary: OK
value:
data:
id: 024e784b-bc27-4a4c-82ee-80000fbf53c5
status: PROCESSING
customer_id: 0fb72092-22a8-4df8-a6d9-1a28f86b7d44
created_at: '2026-04-04T11:05:20.963676Z'
rfi: null
'401':
$ref: '#/components/responses/AuthenticationError'
'422':
description: >-
The request failed validation. This includes the case where a
virtual account already exists for the same customer and source
combination.
content:
application/json:
schema:
type: object
required:
- message
properties:
errors:
type: array
description: >-
Context for the failure. When a virtual account already
exists, this holds the customer and source that collided,
followed by the identifier of the account that already
covers them.
items:
type: object
properties:
customer_id:
type: string
format: uuid
description: Customer the request was made for.
example: c1f4a8e2-3b57-4d09-9a61-7e2b5c8d4f30
source:
type: object
description: >-
Source currency and rail that already has a virtual
account.
properties:
currency:
type: string
example: USD
rail:
type: string
example: FEDWIRE
virtual_account_id:
type: string
format: uuid
description: >-
Identifier of the virtual account that already
exists. Use this account rather than creating
another one.
example: 9d2b7f41-6c8a-45e3-b071-2fa93c5e8d16
message:
type: string
description: Summary of why the request failed.
example: Virtual account already exists for the given parameters.
examples:
DuplicateVirtualAccount:
summary: Virtual account already exists
value:
errors:
- customer_id: c1f4a8e2-3b57-4d09-9a61-7e2b5c8d4f30
source:
currency: USD
rail: FEDWIRE
- virtual_account_id: 9d2b7f41-6c8a-45e3-b071-2fa93c5e8d16
message: Virtual account already exists for the given parameters.
security:
- bearerAuth: []
components:
responses:
AuthenticationError:
description: Authentication failed due to invalid credentials
content:
application/json:
schema:
type: object
properties:
message:
type: string
example: Authentication failed
securitySchemes:
bearerAuth:
type: http
scheme: bearer
bearerFormat: JWT
description: >-
Bearer token authentication. Obtain token from [Issue a
Token](https://developer.fin.com/api-reference/authentication/issue-a-token)
endpoint
````
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