> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ledger.so/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual Accounts

> Create fiat deposit instructions that route into wallets.

## Create a virtual account

```bash theme={null}
curl -X POST https://api.ledger.so/v1/virtual-accounts \
  -H "Authorization: Bearer $LEDGER_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: create-va-1" \
  -d '{
    "customerId": "cus_...",
    "sourceCurrency": "usd"
  }'
```

Response:

```json theme={null}
{
  "ok": true,
  "data": {
    "id": "va_...",
    "customerId": "cus_...",
    "walletId": "wal_...",
    "sourceCurrency": "usd",
    "status": "active",
    "depositInstructions": {
      "bank_name": "...",
      "account_number": "...",
      "routing_number": "..."
    },
    "createdAt": 1710000000000,
    "updatedAt": 1710000000000
  }
}
```

Ledger returns deposit instructions (routing number, account number, IBAN, CLABE, etc.) that your customer can share with senders. The `walletId` is the wallet where deposited fiat is converted to stablecoins — use it in `POST /v1/transfers` to move funds out.

## Check balance

```bash theme={null}
curl https://api.ledger.so/v1/virtual-accounts/va_.../balance \
  -H "Authorization: Bearer $LEDGER_API_KEY"
```

```json theme={null}
{
  "ok": true,
  "data": {
    "virtualAccountId": "va_...",
    "balance": "1500.00",
    "currency": "eur",
    "exchangeRate": "0.872"
  }
}
```

The balance is shown in the virtual account's source currency. For USD accounts, `exchangeRate` is `null`.

## How it works

1. Create a virtual account for a customer
2. Ledger returns bank deposit instructions and a `walletId`
3. When fiat arrives, Ledger converts it to stablecoins in the wallet
4. The wallet balance is credited automatically
5. Transfer funds out using `POST /v1/transfers` with the `walletId`

## Supported currencies

Virtual accounts accept deposits in USD, EUR, GBP, MXN, and more. Funds are automatically converted to stablecoins and settled to the customer's wallet.