---
title: "Create a virtual wallet fixed route"
method: POST
path: "/v1/fixed-routes/virtual-wallets"
tags: ["fixed-routes"]
---

# Create a virtual wallet fixed route

`POST /v1/fixed-routes/virtual-wallets`

Creates an Infinite Wallet (`inw_`, wallet type VIRTUAL) that automatically sweeps crypto deposits. This is a dedicated deposit mailbox, not a treasury vault and not a `vwa_` virtual wallet. Route type (CRYPTO_TO_FIAT or CRYPTO_TO_CRYPTO) is inferred from the sweep target. Use the Idempotency-Key header to safely retry on network failure.

## Headers

- `X-API-Key` string
- `Idempotency-Key` string

## Request body

- CreateVirtualWalletFixedRouteDto
  - `correspondentBankName` string — Correspondent/intermediary bank name
  - `correspondentBankSwiftCode` string — Correspondent/intermediary bank SWIFT/BIC code (8 or 11 characters)
  - `correspondentAccountNumber` string — Correspondent/intermediary account number
  - `customerId` string, required — Customer ID
  - `sweepTargetAccountId` string, required — Target account for sweep. Must be an EXTERNAL_BANK (for crypto→fiat) or EXTERNAL_WALLET/INFINITE_WALLET (for crypto→crypto) that belongs to the same customer. Virtual accounts are not valid destinations.
  - `chainType` 'EVM' | 'TRON' | 'BITCOIN' | 'SOLANA', required — Chain type for the wallet address
  - `sourceRail` 'ACH' | 'ACH_SAME_DAY' | 'WIRE' | 'FED_NOW' | 'RTP' | 'EREBOR' | 'EREBOR_RAIL' | 'BALANCE' | 'SWIFT' | 'SEPA' | 'SEPA_INSTANT' | 'TIPS' | 'FASTER_PAYMENTS' | 'BACS' | 'CHAPS' | 'ELIXIR' | 'NICS' | 'EFT' | 'INTERAC' | 'NPP' | 'BECS' | 'UPI' | 'IMPS' | 'IMPS_WITH_FIRC' | 'NEFT' | 'RTGS' | 'BI_FAST' | 'ARTAJASA' | 'PIX' | 'TED' | 'TEF' | 'SPEI' | 'COELSA' | 'SINPE' | 'CIPS' | 'CFXPS' | 'CHATS' | 'ZENGIN' | 'KFTC' | 'FAST_SG' | 'MEPS' | 'DUITNOW' | 'PROMPTPAY' | 'INSTAPAY' | 'PESONET' | 'NAPAS' | 'BEFTN' | 'SLIPS' | 'ZAHAV' | 'GHIPSS' | 'NIBSS' | 'PESALINK' | 'RTC_ZA' | 'TZS_RTGS' | 'EGP_ACH' | 'JOD_ACH' | 'NPSS' | 'MADA' | 'QPS' | 'DOP_ACH' | 'GTQ_ACH' | 'HNL_ACH' | 'PEN_ACH' | 'JMD_ACH' | 'USD_ACH_SV' | 'USD_ACH_EC' | 'CLP_TEF' | 'PSE' | 'COP_ACH' | 'BOB_RTGS' | 'PYG_ACH' | 'CERTIS' | 'DKK_TIPS' | 'SENT' | 'NKS' | 'BANKGIROT' | 'HKD_FPS' | 'IBFT' | 'TRY_FAST' | 'ETHEREUM' | 'BASE' | 'POLYGON' | 'SOLANA' | 'TRON' | 'BITCOIN' | 'ARBITRUM' — Source rail - chain where deposits are received
  - `sourceCurrency` string — Source currency accepted for deposits
  - `destinationRail` 'ACH' | 'ACH_SAME_DAY' | 'WIRE' | 'FED_NOW' | 'RTP' | 'EREBOR' | 'EREBOR_RAIL' | 'BALANCE' | 'SWIFT' | 'SEPA' | 'SEPA_INSTANT' | 'TIPS' | 'FASTER_PAYMENTS' | 'BACS' | 'CHAPS' | 'ELIXIR' | 'NICS' | 'EFT' | 'INTERAC' | 'NPP' | 'BECS' | 'UPI' | 'IMPS' | 'IMPS_WITH_FIRC' | 'NEFT' | 'RTGS' | 'BI_FAST' | 'ARTAJASA' | 'PIX' | 'TED' | 'TEF' | 'SPEI' | 'COELSA' | 'SINPE' | 'CIPS' | 'CFXPS' | 'CHATS' | 'ZENGIN' | 'KFTC' | 'FAST_SG' | 'MEPS' | 'DUITNOW' | 'PROMPTPAY' | 'INSTAPAY' | 'PESONET' | 'NAPAS' | 'BEFTN' | 'SLIPS' | 'ZAHAV' | 'GHIPSS' | 'NIBSS' | 'PESALINK' | 'RTC_ZA' | 'TZS_RTGS' | 'EGP_ACH' | 'JOD_ACH' | 'NPSS' | 'MADA' | 'QPS' | 'DOP_ACH' | 'GTQ_ACH' | 'HNL_ACH' | 'PEN_ACH' | 'JMD_ACH' | 'USD_ACH_SV' | 'USD_ACH_EC' | 'CLP_TEF' | 'PSE' | 'COP_ACH' | 'BOB_RTGS' | 'PYG_ACH' | 'CERTIS' | 'DKK_TIPS' | 'SENT' | 'NKS' | 'BANKGIROT' | 'HKD_FPS' | 'IBFT' | 'TRY_FAST' | 'ETHEREUM' | 'BASE' | 'POLYGON' | 'SOLANA' | 'TRON' | 'BITCOIN' | 'ARBITRUM' — Destination rail - payment network or chain for sweep
  - `destinationCurrency` string — Destination currency to convert to
  - `destinationAchReference` string — Reference message for ACH transactions (max 10 characters)
  - `destinationWireMessage` string — Message for wire transfers (max 140 characters)
  - `destinationSepaReference` string — Reference for SEPA transactions (6-140 characters)
  - `destinationSpeiReference` string — Reference for SPEI transactions (max 40 characters)
  - `developerFeeFixed` string — Fixed fee in minor units of source currency
  - `developerFeePercent` number — Variable fee as decimal percentage (0.01 = 1%)
  - `refundAccountId` string — Customer wallet account ID (inw_xxx or ewa_xxx) for refunds on failed transfers or when fees exceed deposit. Must have a wallet address; validated at request time. Falls back to org config if not set.
  - `externalReference` string — Client-provided external reference
  - `metadata` AccountMetadataDto
    - `nickname` string — Account nickname
    - `purpose` string — Account purpose
    - `tags` string[] — Account tags

## Response `201`

Fixed route created successfully

- FixedRouteResponseDto
  - `id` string, required — Fixed route ID (same as source account ID)
  - `customerId` string, required
  - `type` 'FIAT_TO_CRYPTO' | 'CRYPTO_TO_FIAT' | 'CRYPTO_TO_CRYPTO' | 'FIAT_TO_CRYPTO_TO_FIAT', required
  - `status` string, required
  - `enabled` boolean, required — Whether the fixed route is enabled. When false, deposits land but do not auto-sweep.
  - `metadata` AccountMetadataDto
    - `nickname` string — Account nickname
    - `purpose` string — Account purpose
    - `tags` string[] — Account tags
  - `sourceAccount` SourceAccountDto, required
    - `id` string, required
    - `type` 'VIRTUAL_BANK' | 'VIRTUAL_WALLET' | 'INFINITE_BANK' | 'INFINITE_WALLET' | 'EXTERNAL_BANK' | 'EXTERNAL_WALLET' | 'EXTERNAL_PROXY' | 'PROVIDER_BALANCE', required
    - `metadata` AccountMetadataDto
      - `nickname` string — Account nickname
      - `purpose` string — Account purpose
      - `tags` string[] — Account tags
    - `depositInstructions` BankDepositInstructions
      - `bankName` string
      - `bankAddress` BankAddressDto
        - `addressLine1` string — Address line 1 (optional for bank addresses)
        - `addressLine2` string — Address line 2 (apartment, suite, etc.)
        - `city` string — City
        - `state` string — State / Province
        - `postalCode` string — Postal code / ZIP code (optional for bank addresses)
        - `country` string — Country code (ISO 3166-2)
      - `accountNumber` string, required
      - `routingNumber` string
      - `iban` string
      - `swiftBic` string
      - `bankCountryCode` string
      - `reference` string
      - `depositMessage` string
      - `beneficiaryName` string
      - `beneficiaryAddress` BankAddressDto
        - `addressLine1` string — Address line 1 (optional for bank addresses)
        - `addressLine2` string — Address line 2 (apartment, suite, etc.)
        - `city` string — City
        - `state` string — State / Province
        - `postalCode` string — Postal code / ZIP code (optional for bank addresses)
        - `country` string — Country code (ISO 3166-2)
    - `sourceCurrency` string
    - `sourceRail` string
    - `walletAddress` string
    - `addressType` string
    - `chains` string[]
    - `walletType` 'TREASURY' | 'TRANSACTION' | 'VIRTUAL' — Infinite wallet subtype when source is INFINITE_WALLET (e.g. VIRTUAL for dedicated offramp deposit wallets)
  - `destinationCurrency` string
  - `destinationRail` string
  - `sweepTargetAccountId` string, required — ID of the account funds are swept to
  - `sweepTargetAccount` SweepTargetAccountDto
    - `id` string, required
    - `type` 'VIRTUAL_BANK' | 'VIRTUAL_WALLET' | 'INFINITE_BANK' | 'INFINITE_WALLET' | 'EXTERNAL_BANK' | 'EXTERNAL_WALLET' | 'EXTERNAL_PROXY' | 'PROVIDER_BALANCE', required
    - `metadata` AccountMetadataDto
      - `nickname` string — Account nickname
      - `purpose` string — Account purpose
      - `tags` string[] — Account tags
    - `walletAddress` string
    - `addressType` string
    - `chains` string[]
    - `accountNumber` string
    - `routingNumber` string
    - `bankName` string
  - `developerFeeFixed` string, nullable — Fixed fee in minor units of source currency
  - `developerFeePercent` number, nullable — Variable fee as decimal percentage (0.01 = 1%)
  - `refundAccountId` string, nullable — Customer wallet account ID (inw_xxx or ewa_xxx) for refunds on failed transfers or when fees exceed deposit
  - `correspondentBank` FixedRouteCorrespondentBankDto
    - `name` string, nullable — Bank name
    - `swiftCode` string, nullable — SWIFT/BIC code
    - `accountNumber` string, nullable — Account number
  - `allowedSenderBanks` AllowedSenderBankDto[], nullable — Allowed sender banks for deposits into this route. When set, deposits from sender banks not on this list are held for review instead of being processed automatically.
    - `bankName` string — Sender bank name. Matched ignoring case, whitespace, and punctuation.
    - `routingNumber` string — Sender bank routing number (e.g. US ABA). Matched on digits only.
    - `swiftBic` string — Sender bank SWIFT/BIC code (8 or 11 characters)
  - `minimumAmount` MoneyOutputDto
    - `currency` string, required — Currency code
    - `exponent` number, required — Number of decimal places for this currency (e.g., 2 for USD, 6 for USDC)
    - `value` string, required — Amount in smallest unit as a string
    - `displayValue` string, required — Human-readable decimal value
  - `sharesBalanceAccountCoordinates` boolean, required — Whether this route's deposit coordinates are shared with a USD balance account. When true, the route and a balance account are mutually exclusive for the customer — one must be closed/disabled before the other can be created or re-enabled. Only bank pay-in routes on the balance-account provider qualify (ACH, WIRE, or SWIFT); crypto routes and payout routes are always false.
  - `createdAt` string, date-time, required
  - `updatedAt` string, date-time, required

## Other responses

- `401` — Unauthorized - Invalid or missing authentication credentials
- `409` — An enabled route with the same source, destination, and sweep target already exists for this customer.

---

[API](https://skmtc.dev/infinite/apis/infinite-api.md) · [All operations](https://skmtc.dev/infinite/apis/infinite-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/infinite/infinite-api/revisions/5426f2706725/schema)