Intro

zerohash Virtual Accounts allow you to create unique, USD-denominated sub-accounts for your end users (an Individual or a Business). These accounts act as isolated ledgers within your overall platform balance, enabling you to track, fund, and manage user-specific balances with precision.

Whether you're building a marketplace, wallet, or treasury system, Virtual Accounts let you simplify fund flows, enable pre-funding, and streamline reconciliation through a single integration with zerohash. USD support is available at launch, with additional currencies and rails to follow.

Use Cases

1. Fiat On-Ramp to Stablecoins

Use Case: Allow end users to deposit USD via local rails (ie, ACH) into a virtual account, then automatically convert to stablecoins (ie, USDC, PYUSD, USDT, RLUSD etc) delivered to their on-chain wallet.

Why it matters: Simplifies the fiat-to-crypto experience, reduces user friction, and removes dependency on third-party exchanges.

2. Global Collections

Use Case: Assign virtual accounts to individuals or business units so they can receive USD via domestic rails. Later, aggregate or convert those funds into digital assets.

Why it matters: Enables platforms to collect funds locally from their customers without managing multiple banking relationships.

3. Corporate Treasury & Float Management

Use Case: Use virtual accounts to segment funds by business line, region, or workflow.

Why it matters: Improves treasury visibility and efficiency while unlocking yield opportunities on idle balances.

4. Programmable Flows

Use Case: Trigger real-time fund movements, auto-conversions, or on-chain transfers when deposits land in a virtual account.

Why it matters: Enables automated reconciliation, escrow behaviors, and logic-based payment flows (ie, milestone payouts, royalty splits).

5. Marketplaces & Multi-User Platforms

Use Case: Assign a unique virtual account to each seller, freelancer, or merchant. Funds collected can be tracked and paid out individually.

Why it matters: Simplifies reconciliation and balance tracking per user, without managing physical bank accounts.

6. Developer-Friendly Payment Rails

Use Case: Expose local bank account details (routing + account number) to users for easy funding, abstracting the complexity of settlement.

Why it matters: Makes your platform feel local, trustworthy, and easy to use. This reduces reliance on cards or wires