USD Virtual Accounts

Release Details

Release Date: September 17, 2026

Release Type

New feature

Summary

zerohash now supports USD Virtual Accounts, giving platforms a way to issue named USD account and routing numbers to end participants, so that they can push funds in directly from their own external bank accounts. These accounts are held at one of zerohash's banking partners, and can receive deposits via ACH, Wire, or RTP/FedNow. Platforms can choose to credit end participant USD balances directly, or can automatically convert deposits into stablecoins or crypto and pay them out to linked external wallets. Virtual Accounts can be issued to individuals and entities, both inside and outside the United States.

Get in touch with your zerohash representative to get more details on how to enable this new feature.

Endpoints Impacted

New endpoints and webhooks were created for this new product release:

Endpoints

POST /virtual_accounts create a Virtual Account for an end participant
GET /virtual_accounts list Virtual Accounts for an end participant, filterable by status and currency
- GET /virtual_accounts/{id} retrieve a single Virtual Account, including bank details, current status, and settlement policy
- GET /virtual_accounts/{id}/transactions retrieve deposit history for a Virtual Account, filterable by status, direction, and date range
PATCH /virtual_accounts/{id}/close close a Virtual Account

Webhooks

Virtual Account webhooks
- virtual_account.status_changed reports account-level lifecycle events for Virtual Accounts
  - Statuses include created, closed, blocked, and failed
- virtual_account_deposit.status_changed reports on deposit-level lifecycle events for Virtual Accounts
  - Statuses include deposit_received, deposit_pending, deposit_cleared, deposit_rejected, deposit_blocked, payout_initiated, payout_completed, and payout_failed