---
title: "Create Virtual Account"
method: POST
path: "/v1/virtual-accounts"
tags: ["public.virtual-accounts"]
---

# Create Virtual Account

`POST /v1/virtual-accounts`

Creates a new USD virtual account for a customer via Bridge. Include developer_fee.percentage to keep 0% to 50% of each received USD deposit; Daya calculates this fee when deposits arrive and does not send it to Bridge. The customer must have completed tier 2 verification.

## Request body

- CreateVirtualAccountRequest
  - `currency` string — Currency is the funding currency for the bank virtual account. Use "usd". This replaced the old source_currency field.
  - `customer_id` string, required
  - `developer_fee` DeveloperFeeRequest
    - `percentage` string, required — Percentage of each received deposit that the merchant keeps. Use a decimal string from 0 to 50.

## Response `201`

Created

- VirtualAccountResponse
  - `created_at` string
  - `currency` string
  - `customer_id` string
  - `deposit_instructions` VADepositInstructions
    - `account_type` string
    - `bank_account_number` string
    - `bank_address` string
    - `bank_beneficiary_address` string
    - `bank_beneficiary_name` string
    - `bank_name` string
    - `bank_routing_number` string
    - `bic` string
    - `deposit_message` string
    - `iban` string
  - `developer_fee` DeveloperFeeConfigResponse
    - `percentage` string — Percentage configured for deposits received through this account or receive address.
  - `id` string
  - `merchant_id` string
  - `provider` string
  - `status` string
  - `updated_at` string

## Other responses

- `400` — Invalid request
- `401` — Unauthorized
- `404` — Customer not found
- `500` — Internal server error
- `502` — Bridge integration failed

---

[API](https://skmtc.dev/daya/apis/daya-external-api-public-api.md) · [All operations](https://skmtc.dev/daya/apis/daya-external-api-public-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/daya/daya-external-api-public-api/revisions/5fc72bf91a48/schema)