Virtual Accounts - Yativo

Yativo allows you to create dedicated virtual accounts in multiple currencies for your customers or business operations. Funds sent to these account numbers settle directly into your wallet.

1. Create a Virtual Account

POST /api/v1/business/virtual-account/create

{
  "currency": "USD",
  "customer_id": "cus_123"
}

Response

{
  "status": "success",
  "data": {
    "account_id": "va_9a8b7c6",
    "currency": "USD",
    "account_number": "1002938475",
    "routing_number": "021000021",
    "bank_name": "Evolve Bank & Trust",
    "bank_address": "6015 Primacy Pkwy, Memphis, TN",
    "status": "active"
  }
}

2. Supported Currencies & Rails

Currency	Account Rail	Identifiers Provided
USD	ACH / Fedwire	Account Number, Routing Number (ABA)
EUR	SEPA / SEPA Instant	IBAN, BIC/Swift
GBP	Faster Payments / BACS	Account Number, Sort Code
MXN	SPEI	CLABE (18 digits)
COP	ACH Colombia	Account Number, Bank Name
NGN	NIBSS Instant Payments	Account Number, Bank Name

3. Receiving Deposits

When an external sender wires funds to a virtual account:

Yativo automatically credits your corresponding currency wallet.
A virtual_account.deposit webhook event is emitted with deposit metadata and the transaction reference.