HIFI Docs

curl --request POST \
  --url https://production.hifi.com/v3/users/{userId}/virtual-accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "source": {
    "currency": "USD",
    "country": "USA",
    "transferType": "ACH"
  },
  "destination": {
    "currency": "USDC",
    "walletId": "wlt_1aLcs3Kf9dQ2mNpXwZ7bV"
  }
}
'

{
  "id": "va_5Kf9dQ2mNpXwZ7bV1aLcs",
  "userId": "usr_3Kf9dQ2mNpXwZ7bV1aLcs",
  "source": {
    "transferTypes": [
      "ACH",
      "WIRE",
      "RTP"
    ],
    "currency": "USD"
  },
  "destination": {
    "chain": "POLYGON",
    "currency": "USDC",
    "walletAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "walletId": "wlt_1aLcs3Kf9dQ2mNpXwZ7bV",
    "externalWalletId": null
  },
  "status": "ACTIVE",
  "microDeposits": {
    "count": 0,
    "data": []
  },
  "depositInstructions": {
    "bankName": "Example Bank",
    "bankAddress": "123 Main Street, New York, NY 10001",
    "beneficiary": {
      "name": "ACME Corp",
      "address": "123 Main Street, New York, NY 10001, USA"
    },
    "ach": {
      "routingNumber": "021000021",
      "accountNumber": "123456789012"
    },
    "wire": {
      "routingNumber": "021000021",
      "accountNumber": "123456789012"
    },
    "rtp": {
      "routingNumber": "021000021",
      "accountNumber": "123456789012"
    },
    "reference": null,
    "depositBy": null,
    "instruction": "Please deposit USD to the bank account provided."
  },
  "settlementRuleId": null,
  "createdAt": "2026-07-01T10:30:00.000Z",
  "updatedAt": "2026-07-01T10:30:00.000Z"
}

{
  "type": "VALIDATION_ERROR",
  "message": "One or more fields are invalid or missing.",
  "fields": [
    {
      "code": "invalid_value",
      "message": "Must be a valid email address",
      "field": "email"
    }
  ]
}

{
  "type": "UNAUTHORIZED",
  "message": "Authentication required"
}

{
  "type": "RESOURCE_CONFLICT",
  "message": "Resource already exists or conflicts with current state"
}

{
  "type": "INTERNAL_SERVER_ERROR",
  "message": "An internal server error occurred"
}

POST

users

{userId}

virtual-accounts

curl --request POST \
  --url https://production.hifi.com/v3/users/{userId}/virtual-accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "source": {
    "currency": "USD",
    "country": "USA",
    "transferType": "ACH"
  },
  "destination": {
    "currency": "USDC",
    "walletId": "wlt_1aLcs3Kf9dQ2mNpXwZ7bV"
  }
}
'

{
  "id": "va_5Kf9dQ2mNpXwZ7bV1aLcs",
  "userId": "usr_3Kf9dQ2mNpXwZ7bV1aLcs",
  "source": {
    "transferTypes": [
      "ACH",
      "WIRE",
      "RTP"
    ],
    "currency": "USD"
  },
  "destination": {
    "chain": "POLYGON",
    "currency": "USDC",
    "walletAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "walletId": "wlt_1aLcs3Kf9dQ2mNpXwZ7bV",
    "externalWalletId": null
  },
  "status": "ACTIVE",
  "microDeposits": {
    "count": 0,
    "data": []
  },
  "depositInstructions": {
    "bankName": "Example Bank",
    "bankAddress": "123 Main Street, New York, NY 10001",
    "beneficiary": {
      "name": "ACME Corp",
      "address": "123 Main Street, New York, NY 10001, USA"
    },
    "ach": {
      "routingNumber": "021000021",
      "accountNumber": "123456789012"
    },
    "wire": {
      "routingNumber": "021000021",
      "accountNumber": "123456789012"
    },
    "rtp": {
      "routingNumber": "021000021",
      "accountNumber": "123456789012"
    },
    "reference": null,
    "depositBy": null,
    "instruction": "Please deposit USD to the bank account provided."
  },
  "settlementRuleId": null,
  "createdAt": "2026-07-01T10:30:00.000Z",
  "updatedAt": "2026-07-01T10:30:00.000Z"
}

{
  "type": "VALIDATION_ERROR",
  "message": "One or more fields are invalid or missing.",
  "fields": [
    {
      "code": "invalid_value",
      "message": "Must be a valid email address",
      "field": "email"
    }
  ]
}

{
  "type": "UNAUTHORIZED",
  "message": "Authentication required"
}

{
  "type": "RESOURCE_CONFLICT",
  "message": "Resource already exists or conflicts with current state"
}

{
  "type": "INTERNAL_SERVER_ERROR",
  "message": "An internal server error occurred"
}

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Path Parameters

userId

string

required

ID of the user.

Pattern: ^user_[A-Za-z0-9]+$

Body

application/json

Virtual account details. The source combination of currency, country, and transferType must be a supported pair. Exactly one of destination.walletId or destination.externalWalletId must be provided.

Virtual account creation request.

source

object

required

Fiat source the virtual account receives deposits in. The combination of currency, country, and transferType must be a supported pair.

Show child attributes

destination

object

required

Stablecoin destination that incoming fiat deposits are converted to and delivered to. Exactly one of walletId or externalWalletId must be set.

Show child attributes

Response

Virtual account created successfully.

A virtual account.

string

Public ID of the virtual account (prefixed with va_).

Example:

"va_5Kf9dQ2mNpXwZ7bV1aLcs"

userId

string

Public ID of the user this virtual account belongs to (prefixed with usr_).

Example:

"usr_3Kf9dQ2mNpXwZ7bV1aLcs"

source

object

Fiat source configuration of the virtual account.

Show child attributes

destination

object

Stablecoin destination of the virtual account.

Show child attributes

status

enum<string>

Available options:

ACTIVE,

INACTIVE

Example:

"ACTIVE"

microDeposits

object | null

Deposits received into the virtual account.

Show child attributes

depositInstructions

object | null

Bank details for funding the virtual account. Null until the account is active.

Show child attributes

settlementRuleId

string | null

Public ID of the applied settlement rule (prefixed with sr_), if any.

Example:

null

createdAt

string<date-time>

Example:

"2026-07-01T10:30:00.000Z"

updatedAt

string<date-time>

Example:

"2026-07-01T10:30:00.000Z"

⌘I

Overview

Endpoints

Create a virtual account

Authorizations

Path Parameters

Body

Response