Virtual Accounts

Dedicated accounts for every user. Zero branches.

Give users and merchants multi-currency collection accounts in USD, EUR and GBP. Unique references make incoming payments self-reconciling — built for platforms at scale.

The problem we solve

Reconciliation is the hidden tax on platforms

When a thousand users wire money into one bank account, someone has to match every payment to the right balance — manually, slowly, and error-prone.

  • One account per user — every user gets unique account details; incoming fiat is attributed automatically.
  • Multi-currency — accounts in USD, EUR and GBP.
  • Instant credit events — balances are updated the moment funds are identified, before final bank settlement in supported flows.
  • Bridge to digital assets — credited balances can convert to USDT or USDC through the On-Ramp, or be paid out through Pay-Out.
  • Compliance included — account issuance is bound to your users' KYC status and monitored continuously.

Account features

  • Currencies — USD, EUR and GBP collection accounts.
  • Account lifecycle — accounts can be opened, restricted or closed as your users change.
  • Balance events — credits, returns and fees reported in real time.
Capabilities

What you can build on virtual accounts

Deposits for exchanges & wallets

Users fund their platform balance by bank transfer, with automatic attribution to their account.

Merchant collection

Give each merchant dedicated collection details; settlement to crypto or fiat follows your rules.

Treasury & float management

Consolidate inbound fiat across currencies and manage conversion timing programmatically.

Event-driven ledger

Every credit, return and fee is reported as it happens — your ledger stays the source of truth.

Account lifecycle support

Accounts can be opened, restricted or closed as your users onboard, are reviewed, or churn.

Monitored by default

Screening runs on account holders and inbound flows; suspicious activity is flagged and queued for review.

Virtual account availability and features depend on jurisdiction, currency and applicable regulation. Account details are provided for payment collection purposes and do not represent insured bank deposits.

Stop reconciling by hand

Give your users their own collection details and let references do the matching. Tell us your currencies and volumes.

Get in touch Explore Pay-In & Pay-Out