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POST
https://api.karmapay.xyz/v0
/
v0
/
virtual-accounts
curl -X POST 'https://api.karmapay.xyz/v0/virtual-accounts' \
  -H 'Authorization: Bearer karma_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalUserId": "user_123",
    "source": {
      "currency": "usd"
    },
    "destination": {
      "payment_rail": "solana",
      "currency": "usdc",
      "address": "7XqBhBKXy1S3ufMXLCv9QhcRj8f2kKKnXYYYdZnJ5jrB"
    },
    "developer_fee_percent": "0.5"
  }'

{
  "data": {
    "id": "va_abc123",
    "bankName": "Example Bank",
    "bankAccountNumber": "1234567890",
    "bankRoutingNumber": "021000021",
    "beneficiaryName": "Bridge XYZ",
    "beneficiaryAddress": "123 Bank St, New York, NY 10001",
    "destinationAddress": "7XqBhBKXy1S3ufMXLCv9QhcRj8f2kKKnXYYYdZnJ5jrB",
    "destinationPaymentRail": "solana",
    "destinationCurrency": "usdc"
  }
}
Authentication: Business API Key
Create a virtual account that generates bank deposit instructions for your end-user. When they deposit fiat currency to these bank details, it’s automatically converted to cryptocurrency and sent to their specified wallet address.

​
Request Body

​
externalUserId
string
required
Your internal user ID
​
source
object
required
​
destination
object
required
​
developer_fee_percent
string
Optional fee percentage (e.g., “0.5” for 0.5%)
curl -X POST 'https://api.karmapay.xyz/v0/virtual-accounts' \
  -H 'Authorization: Bearer karma_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalUserId": "user_123",
    "source": {
      "currency": "usd"
    },
    "destination": {
      "payment_rail": "solana",
      "currency": "usdc",
      "address": "7XqBhBKXy1S3ufMXLCv9QhcRj8f2kKKnXYYYdZnJ5jrB"
    },
    "developer_fee_percent": "0.5"
  }'

{
  "data": {
    "id": "va_abc123",
    "bankName": "Example Bank",
    "bankAccountNumber": "1234567890",
    "bankRoutingNumber": "021000021",
    "beneficiaryName": "Bridge XYZ",
    "beneficiaryAddress": "123 Bank St, New York, NY 10001",
    "destinationAddress": "7XqBhBKXy1S3ufMXLCv9QhcRj8f2kKKnXYYYdZnJ5jrB",
    "destinationPaymentRail": "solana",
    "destinationCurrency": "usdc"
  }
}

​
How It Works

1

Create virtual account

Call this endpoint with user’s details and destination wallet
2

Provide bank details to user

Give the user the bank account details from the response
3

User deposits fiat

User sends fiat (USD/EUR/MXN) to the provided bank account
4

Automatic conversion

Bridge automatically converts fiat to crypto and sends to destination address
5

Webhook notification

You receive webhook event when deposit completes
The user should initiate a bank transfer (ACH, wire, SEPA, etc.) to the bank account details provided in the response. Once the funds arrive, they’re automatically converted and sent to the destination wallet.