> ## Documentation Index
> Fetch the complete documentation index at: https://docs.yativo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual Accounts

> Issue dedicated bank account numbers in USD, EUR, GBP, MXN, COP, and NGN.

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

```http theme={null}
POST /api/v1/business/virtual-account/create
```

```json theme={null}
{
  "currency": "USD",
  "customer_id": "cus_123"
}
```

### Response

```json theme={null}
{
  "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:

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


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