> ## Documentation Index > Fetch the complete documentation index at: https://docs.hifi.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a virtual account > Create a virtual account for a user. A virtual account provides bank details that, when funded via fiat, automatically onramp the deposit into a stablecoin delivered to the configured wallet. The `source` combination of `currency`, `country`, and `transferType` must be a supported pair. Provide exactly one of `destination.walletId` or `destination.externalWalletId`. ## OpenAPI ````yaml https://production.hifi.com/api/v3/openapi.json post /v3/users/{userId}/virtual-accounts openapi: 3.0.0 info: title: Hifi API version: 3.0.0 description: API documentation for HIFI servers: - url: https://production.hifi.com description: Production server - url: https://sandbox.hifi.com description: Sandbox server security: - bearerAuth: [] tags: - name: Common description: Common endpoints - name: User description: User endpoints - name: Counter Party description: Counter party endpoints - name: Crypto Transfer description: Crypto transfer and batch transfer endpoints - name: Wallet description: Wallet and wallet offer endpoints - name: External Account description: External bank account endpoints (under a counter party) - name: External Wallet description: External wallet endpoints (under a counter party) - name: External Card description: External card endpoints (under a counter party) - name: Token Swap description: Token swap endpoints - name: Bridge description: Bridge endpoints - name: Virtual Account description: Virtual account endpoints - name: Compliance description: Compliance and compliance link endpoints - name: Webhook Endpoint description: Webhook endpoint endpoints - name: File description: File upload endpoints - name: Onramp description: Onramp (fiat to crypto) endpoints - name: Offramp description: Offramp (crypto to fiat) endpoints - name: Orchestration Address description: Orchestration (liquidation) address endpoints - name: KYC Link description: Hosted and custom KYC/KYB link endpoints - name: Transfer Approval description: Transfer approval endpoints - name: Corridor description: Supported fiat/crypto transfer corridor endpoints - name: Migration description: v2-to-v3 ID mapping endpoints paths: /v3/users/{userId}/virtual-accounts: post: tags: - Virtual Account summary: Create a virtual account description: > Create a virtual account for a user. A virtual account provides bank details that, when funded via fiat, automatically onramp the deposit into a stablecoin delivered to the configured wallet. The `source` combination of `currency`, `country`, and `transferType` must be a supported pair. Provide exactly one of `destination.walletId` or `destination.externalWalletId`. operationId: v3CreateVirtualAccount parameters: - $ref: '#/components/parameters/UserIdPathParameter' requestBody: $ref: '#/components/requestBodies/CreateVirtualAccountBody' responses: '200': $ref: '#/components/responses/CreateVirtualAccountResponse' '400': $ref: '#/components/responses/BadRequestResponse' '401': $ref: '#/components/responses/UnauthorizedResponse' '409': $ref: '#/components/responses/ConflictResponse' '500': $ref: '#/components/responses/InternalServerErrorResponse' components: parameters: UserIdPathParameter: name: userId in: path schema: type: string pattern: ^user_[A-Za-z0-9]+$ description: ID of the user. required: true requestBodies: CreateVirtualAccountBody: required: true description: > 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. content: application/json: schema: $ref: '#/components/schemas/VirtualAccountCreate' examples: HifiWalletDestination: summary: Deliver to a HIFI custodial wallet value: source: currency: USD country: USA transferType: ACH destination: currency: USDC walletId: wlt_1aLcs3Kf9dQ2mNpXwZ7bV ExternalWalletDestination: summary: Deliver to an external wallet value: source: currency: USD country: USA transferType: WIRE destination: currency: USDT externalWalletId: extw_4mNpXwZ7bV1aLcs3Kf9dQ responses: CreateVirtualAccountResponse: description: Virtual account created successfully. content: application/json: schema: $ref: '#/components/schemas/VirtualAccountObject' example: 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' BadRequestResponse: description: Bad Request — the request was malformed or failed validation. content: application/json: schema: $ref: '#/components/schemas/ApiError' example: 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 UnauthorizedResponse: description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/Unauthorized' ConflictResponse: description: >- Conflict — the request collides with the current state of the resource (e.g. idempotency-key reuse with a different payload). content: application/json: schema: $ref: '#/components/schemas/ApiError' example: type: RESOURCE_CONFLICT message: Resource already exists or conflicts with current state InternalServerErrorResponse: description: Internal Server Error content: application/json: schema: $ref: '#/components/schemas/InternalServerError' schemas: VirtualAccountCreate: type: object description: Virtual account creation request. required: - source - destination properties: source: $ref: '#/components/schemas/VirtualAccountSource' destination: $ref: '#/components/schemas/VirtualAccountDestination' VirtualAccountObject: type: object description: A virtual account. properties: id: type: string description: Public ID of the virtual account (prefixed with `va_`). example: va_5Kf9dQ2mNpXwZ7bV1aLcs userId: type: string description: >- Public ID of the user this virtual account belongs to (prefixed with `usr_`). example: usr_3Kf9dQ2mNpXwZ7bV1aLcs source: $ref: '#/components/schemas/VirtualAccountSourceObject' destination: $ref: '#/components/schemas/VirtualAccountDestinationObject' status: type: string enum: - ACTIVE - INACTIVE example: ACTIVE microDeposits: $ref: '#/components/schemas/VirtualAccountMicroDeposits' depositInstructions: $ref: '#/components/schemas/VirtualAccountDepositInstructions' settlementRuleId: type: string description: >- Public ID of the applied settlement rule (prefixed with `sr_`), if any. nullable: true example: null createdAt: type: string format: date-time example: '2026-07-01T10:30:00.000Z' updatedAt: type: string format: date-time example: '2026-07-01T10:30:00.000Z' ApiError: type: object description: >- Standard v3 error shape, returned by validation failures and business-logic errors alike. properties: type: type: string description: >- Machine-readable error type, e.g. VALIDATION_ERROR, ACTION_NOT_ALLOWED, RESOURCE_CONFLICT. example: VALIDATION_ERROR message: type: string description: Human-readable error message. example: One or more fields are invalid or missing. fields: type: array description: >- Present on field-level validation errors. One entry per problem field. items: type: object properties: code: type: string description: Error code related to the field issue. message: type: string description: Error message for the specific issue. field: type: string description: The name of the field that has an issue. Unauthorized: type: object properties: type: type: string description: Unauthorized enum example: UNAUTHORIZED message: type: string description: Unauthorized message example: Authentication required InternalServerError: type: object properties: type: type: string example: INTERNAL_SERVER_ERROR description: Internal server error enum message: type: string example: An internal server error occurred description: Internal server error message VirtualAccountSource: type: object description: | Fiat source the virtual account receives deposits in. The combination of `currency`, `country`, and `transferType` must be a supported pair. required: - currency - country - transferType properties: currency: type: string enum: - USD description: ISO 4217 fiat currency the virtual account accepts. example: USD country: type: string enum: - USA description: ISO 3166-1 alpha-3 country code of the source rail. example: USA transferType: type: string enum: - ACH - WIRE - RTP description: Fiat transfer rail used to fund the virtual account. example: ACH VirtualAccountDestination: type: object description: > Stablecoin destination that incoming fiat deposits are converted to and delivered to. Exactly one of `walletId` or `externalWalletId` must be set. required: - currency properties: currency: type: string enum: - USDC - USDT - PYUSD - USDG - PYUSD0 - USDCX description: Destination stablecoin. example: USDC walletId: type: string description: >- Public ID of a HIFI custodial wallet (prefixed with `wlt_`). Mutually exclusive with `externalWalletId`. example: wlt_1aLcs3Kf9dQ2mNpXwZ7bV externalWalletId: type: string description: >- Public ID of an external wallet (prefixed with `extw_`). Mutually exclusive with `walletId`. example: extw_4mNpXwZ7bV1aLcs3Kf9dQ VirtualAccountSourceObject: type: object description: Fiat source configuration of the virtual account. properties: transferTypes: type: array description: Fiat transfer rails accepted by this virtual account. items: type: string enum: - ACH - WIRE - RTP example: - ACH - WIRE - RTP currency: type: string enum: - USD example: USD VirtualAccountDestinationObject: type: object description: Stablecoin destination of the virtual account. properties: chain: type: string description: Blockchain the destination stablecoin is delivered on. enum: - ETHEREUM - POLYGON - SOLANA - BASE - FLOW_EVM - ARBITRUM - BSC - TRON - CANTON example: POLYGON currency: type: string enum: - USDC - USDT - PYUSD - USDG - PYUSD0 - USDCX example: USDC walletAddress: type: string description: On-chain address funds are delivered to. example: '0x1234567890abcdef1234567890abcdef12345678' walletId: type: string description: >- Public ID of the HIFI custodial wallet, if the destination is a HIFI wallet (prefixed with `wlt_`). nullable: true example: wlt_1aLcs3Kf9dQ2mNpXwZ7bV externalWalletId: type: string description: >- Public ID of the external wallet, if the destination is an external wallet (prefixed with `extw_`). nullable: true example: null VirtualAccountMicroDeposits: type: object nullable: true description: Deposits received into the virtual account. properties: count: type: integer example: 0 data: type: array items: $ref: '#/components/schemas/VirtualAccountMicroDepositItem' example: [] VirtualAccountDepositInstructions: type: object nullable: true description: | Bank details for funding the virtual account. Null until the account is active. properties: bankName: type: string example: Example Bank bankAddress: type: string example: 123 Main Street, New York, NY 10001 beneficiary: type: object properties: name: type: string example: ACME Corp address: type: string example: 123 Main Street, New York, NY 10001, USA ach: type: object properties: routingNumber: type: string example: '021000021' accountNumber: type: string example: '123456789012' wire: type: object properties: routingNumber: type: string example: '021000021' accountNumber: type: string example: '123456789012' rtp: type: object properties: routingNumber: type: string example: '021000021' accountNumber: type: string example: '123456789012' reference: type: string nullable: true example: null depositBy: type: string format: date-time nullable: true example: null instruction: type: string example: Please deposit USD to the bank account provided. VirtualAccountMicroDepositItem: type: object properties: createdAt: type: string format: date-time example: '2026-07-01T10:35:00.000Z' currency: type: string example: USD amount: type: number example: 100 sourceBankInfo: $ref: '#/components/schemas/VirtualAccountMicroDepositSourceBankInfo' VirtualAccountMicroDepositSourceBankInfo: type: object description: Details of the bank that sent a deposit. properties: bankName: type: string example: Example Bank senderName: type: string example: Jane Doe routingNumber: type: string example: '021000021' accountNumber: type: string example: '123456789' accountType: type: string example: CHECKING fedBatchId: type: string nullable: true example: null imad: type: string nullable: true example: null omad: type: string nullable: true example: null traceNumber: type: string nullable: true example: null bankAddress: type: string nullable: true example: null description: type: string nullable: true example: null references: type: object nullable: true example: null paymentRail: type: string example: ach securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT ````