Create Fiat Account
Creates a new fiat account for a customer, linked to specific bank or virtual wallet details for withdrawals.
Account confirmation requirement
Wherever the destination is validated, the account has to be confirmed before it can receive a payout — call Confirm Fiat Account. When it reaches unconfirmed depends on whether that validation is synchronous:
- Argentina (
bank_transfer) and Brazil (pix): validated while this request is served, so the account comes back alreadyunconfirmed, with the resolved holder inmetadatafor the end user to review. - Mexico (
bank_transfer) and Colombia (breb): validated asynchronously, so the account starts asprocessingand becomesunconfirmedonce validation returns. Poll List Fiat Accounts for the transition.
See the fiat account lifecycle for the full state machine.
Important: Where the provider resolves the account holder, that holder must be the customer themselves: in Mexico the owner name and RFC on the KYC must match the bank account’s, and in Brazil the PIX key’s holder document must match the customer’s CPF/CNPJ. A mismatch creates the account as disabled.
Authorizations
Access token obtained via /oauth2/token/. Use as Authorization: Bearer <access_token>.
Body
Details for the new fiat account.
The unique identifier of the customer for whom the account is being created.
An enumerated value specifying the type of fiat account. Valid options depend on supported payment rails. (e.g., bank_transfer)
A dictionary containing additional information required for the specific fiat account type. Fields depend on 'paymentMethodType and are defined by /fiatAccounts/requirements/.
{ "alias_or_cvu_destination": "0100000000000000000001" }
{ "clabe_destination": "706180196550550550" }
{ "key_value": "@ABC123" }
{ "counterparty_type": "cc", "counterparty_fullname": "Santiago García", "counterparty_id_type": "cc", "counterparty_id_number": "1234567890", "beneficiary_institution": "1001", "account_number": "12345678901234" }
{ "pix_key": "12345678901" }
{ "pix_key": "+5511987654321" }
Response
Fiat account created successfully.
The unique identifier of the fiat account.
A dictionary containing the details provided for the fiat account.
The date and time the fiat account was created (UTC format).
An enumerated value specifying the fiat account status. Only one account can be active (ENABLED) per payment method at a time: enabling a new account automatically moves the previously active account for the same customer and payment method to SUSPENDED. A SUSPENDED account can be reactivated by re-registering it or referencing it in a new off-ramp.
UNCONFIRMED, PROCESSING, ENABLED, DISABLED, SUSPENDED, REVALIDATION_REQUIRED, DEACTIVATED "PROCESSING"
Type of the fiat account.
The unique identifier of the customer owning this account.
Whatever the provider resolved about the account while validating it, when it resolves anything. Argentina (bank_transfer) returns the CVU/alias holder; Brazil (pix) returns the PIX key's holder — name, the masked tax_id and bank_name, plus the account's own coordinates — and it is present whether the account came back unconfirmed or disabled, so you can show the customer whose account the key belongs to either way. Providers that validate nothing return null.
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