> ## Documentation Index > Fetch the complete documentation index at: https://docs.spherepay.co/llms.txt > Use this file to discover all available pages before exploring further. # Create a Virtual Bank Account for Fiat On-Ramp > Create a new virtual account that converts incoming fiat deposits to crypto. Use this endpoint to create an Onramper Account for a customer. An Onramper Account gives your customer a dedicated virtual bank account number. Any fiat deposited to that account is automatically converted to the specified stablecoin and forwarded to the destination wallet address — no per-transfer API call is required. Always create one Onramper Account per customer, even if multiple customers share the same destination wallet, to ensure deposits can be attributed correctly. Onramper Accounts are a separate product from the Transfer API. They use different endpoints and do not support bank account creation via the Transfer API. ## OpenAPI ````yaml openapi/spherepay.yaml POST /v2/virtual-account openapi: 3.0.0 info: title: '' description: '' version: 1.0.0 contact: {} servers: - url: https://api.spherepay.co description: Production security: - bearer: [] tags: [] paths: /v2/virtual-account: post: summary: Create a Virtual Account description: >- Create a new virtual account that converts incoming fiat deposits to crypto. parameters: [] requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateVirtualAccountRequestDto' responses: '201': description: '' content: application/json: schema: $ref: '#/components/schemas/VirtualAccountResponseDto' '400': description: Bad Request content: application/json: schema: $ref: '#/components/schemas/ProblemDetailsDto' examples: Bad Request: summary: Bad Request value: status: 400 detail: Invalid request parameters code: address/invalid correlationId: 28c61e885c6e5eaa78c1a2183a9b883c '404': description: Not Found content: application/json: schema: $ref: '#/components/schemas/ProblemDetailsDto' examples: Not Found: summary: Not Found value: status: 404 detail: Resource not found code: resource/not-found correlationId: 28c61e885c6e5eaa78c1a2183a9b883c '422': description: Unprocessable Entity - Validation Error content: application/json: schema: $ref: '#/components/schemas/ProblemDetailsDto' examples: Validation Error: summary: Validation Error value: status: 422 detail: Validation failed code: validation/failed correlationId: 28c61e885c6e5eaa78c1a2183a9b883c errors: - detail: Invalid email format pointer: /email - detail: Name is required pointer: /name components: schemas: CreateVirtualAccountRequestDto: type: object properties: destinationCurrency: description: >- The crypto currency deposited funds are converted into. See [Supported Rails & Currencies](/concepts/transfers/supported-rails). example: usdc type: string enum: - usdc - usdt - eurc network: description: >- The blockchain network the destination wallet is on. See [Supported Rails & Currencies](/concepts/transfers/supported-rails). example: ethereum type: string enum: - arbitrum - avalanche - base - ethereum - polygon - sol - tron walletAddress: description: >- The on-chain wallet address where converted crypto is sent. Must be valid for the selected network. example: '0x4838B106FCe9647Bdf1E7877BF73cE8B0BAD5f97' type: string integratorFeeBps: description: >- Integrator fee in basis points (1 bps = 0.01%). Defaults to 0 if not provided. example: '100' type: string customerId: description: The customer who will own the virtual account. example: customer_b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7 type: string sourceCurrency: description: The fiat currency the virtual account accepts for deposits. example: usd type: string enum: - usd - eur required: - destinationCurrency - network - walletAddress - customerId - sourceCurrency VirtualAccountResponseDto: type: object properties: id: description: Unique identifier for the virtual account. example: virtualAccount_a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6 type: string customer: description: The customer ID who owns the virtual account. example: customer_b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7 type: string active: description: >- Whether the virtual account is currently active and accepting deposits. example: true type: boolean depositInstructions: description: >- Bank account details that depositors should use to send fiat funds into the virtual account. type: object properties: currency: description: >- The fiat currency accepted for deposits into the virtual account. example: usd type: string enum: - usd - eur bankName: description: Name of the bank holding the virtual account. example: Lead Bank type: string bankAddress: description: Address of the bank holding the virtual account. example: 1801 Main St, Kansas City, MO 64108 type: string bankAccountNumber: description: >- Bank account number for deposits (USD accounts). Null for EUR accounts. example: '9876543210' type: string nullable: true bankRoutingNumber: description: >- Bank routing number for deposits (USD accounts). Null for EUR accounts. example: '021000089' type: string nullable: true bankBeneficiaryName: description: Name of the beneficiary on the account. example: Bridge Financial Inc. type: string bankBeneficiaryAddress: description: Address of the beneficiary on the account. example: 123 Finance St, San Francisco, CA 94105 type: string iban: description: IBAN for deposits (EUR accounts). Null for USD accounts. example: DE89370400440532013000 type: string nullable: true bic: description: >- BIC/SWIFT code for deposits (EUR accounts). Null for USD accounts. example: COBADEFFXXX type: string nullable: true required: - currency - bankName - bankAddress - bankAccountNumber - bankRoutingNumber - bankBeneficiaryName - bankBeneficiaryAddress - iban - bic destination: description: The crypto destination where converted funds are sent after deposit. type: object properties: currency: description: The crypto currency deposited funds are converted into. example: usdc type: string enum: - usdc - usdt - eurc walletAddress: description: The on-chain wallet address where converted crypto is sent. example: '0x4838B106FCe9647Bdf1E7877BF73cE8B0BAD5f97' type: string network: description: The blockchain network the destination wallet is on. example: ethereum type: string enum: - arbitrum - avalanche - base - ethereum - polygon - sol - tron required: - currency - walletAddress - network fee: description: >- Fee breakdown for the virtual account, including integrator and platform fees. type: object properties: totalBpsRate: description: >- Total fee rate in basis points (integrator + platform). 1 bps = 0.01%. example: '130' type: string integratorFee: description: Fee charged by the integrator. type: object properties: bpsRate: description: Integrator fee rate in basis points (1 bps = 0.01%). example: '100' type: string required: - bpsRate platformFee: description: Fee charged by the platform. type: object properties: bpsRate: description: Platform fee rate in basis points (1 bps = 0.01%). example: '30' type: string required: - bpsRate required: - totalBpsRate - integratorFee - platformFee created: description: Timestamp when the virtual account was created (ISO 8601). example: '2025-01-15T10:30:00.000Z' type: string updated: description: Timestamp when the virtual account was last updated (ISO 8601). example: '2025-01-15T12:00:00.000Z' type: string required: - id - active - depositInstructions - destination - created - updated ProblemDetailsDto: type: object properties: title: type: string status: type: integer detail: type: string code: type: string errors: type: array items: type: object properties: detail: type: string pointer: type: string parameter: type: string header: type: string required: - detail correlationId: type: string required: - status - detail securitySchemes: bearer: scheme: bearer bearerFormat: JWT type: http ````