Intro

Virtual Accounts let your platform give each end customer (whether individuals or businesses) their own named account for fiat deposits. Each Virtual Account is an isolated ledger inside your platform's balance at zerohash, so you can track, fund, and reconcile balances per customer through a single integration.

Your customers get a real account and routing number, held in their own name, that they can send money to over ACH, Wire, RTP or FedNow. When funds arrive, zerohash can automatically convert them into stablecoins or other crypto assets. USD is supported today, with more currencies and rails to follow. In order to be eligible for Virtual Accounts, a platform must be onboarded with zerohash LLC.

How it works, in three steps

Create

Create a named virtual account for your customer through the zerohash API.

Share the unique account and routing number with your customer so they can push funds in via ACH, Wire, RTP, or FedNow.

Settle

zerohash notifies you when funds arrive and applies the behavior you configured: hold the balance, or convert it and send it to a whitelisted wallet.

When to use Virtual Accounts

Use Virtual Accounts when your customers need a named account to push their own funds into, for example to fund a wallet, an investment account, or a payroll direct deposit, and optionally convert those funds into stablecoins or crypto.

Virtual Accounts are focused on the inbound, customer-initiated side: money your customers send in. If your platform needs to originate deposits or withdrawals on your customers' behalf, that's handled by our ACH + RTP product offering. The two are complementary: Virtual Accounts and ACH + RTP can be bundled for a complete fiat payments offering.

Use Cases

🏦

Payroll & Direct Deposit in Stablecoins

Use Case: Give each employee or contractor a named Virtual Account they can use as a direct-deposit destination. Wages arrive via standard payroll ACH, and can be automatically converted into a stablecoin.

Why it matters: A named account is what makes direct deposit possible, and the auto-conversion turns a paycheck into digital assets with no manual step for the recipient.

📈

Fiat On-ramp to Stablecoins

Use Case: Let customers push USD into their named account, then automatically convert to a stablecoin delivered to their on-chain wallet.

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

👥

Marketplaces: Multi-user Platforms

Use Case: Assign each seller, freelancer, or merchant their own named Virtual Account so incoming funds can be tracked per customer.

Why it matters: Clean per-customer reconciliation without managing physical bank accounts.

🌐

Global Collections

Use Case: Give individuals or business units a named account to receive USD via domestic rails, then aggregate or convert those funds.

Why it matters: Collect funds locally without opening and managing a bank account for every customer.

Non-permitted Countries and Jurisdictions for Virtual Accounts

We do not offer this product in the following countries and jurisdictions:

Abkhazia
Afghanistan
Akrotiri and Dhekelia
Åland Islands
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Armenia
Aruba
Azerbaijan
Azores
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belize
Benin
Bermuda
Bhutan
Bonaire
Bosnia and Herzegovina
Botswana
British Virgin Islands
Brunei
Burkina Faso
Burundi
Cabo Verde
Cambodia
Cameroon
Canary Islands
Cayman Islands
Central African Republic
Ceuta
Chad
China (PRC)
Christmas Island
Cocos (Keeling) Islands
Comoros
Congo (Democratic Republic of the)
Congo (Republic of the)
Cook Islands
Costa Rica
Côte d'Ivoire
Cuba
Curaçao
Djibouti
Dominica
Dominican Republic
Egypt
El Salvador
Equatorial Guinea
Eritrea
Eswatini
Ethiopia
Falkland Islands
Faroe Islands
Fiji
French Guiana
French Polynesia
Gabon
Gambia
Gaza Strip
Georgia
Ghana
Gibraltar
Greenland
Grenada
Guadeloupe
Guam
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Holy See (Vatican City)
Honduras
Hong Kong SAR
Hungary
Iceland
India
Indonesia
Iran
Iraq
Isle of Man
Israel
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Macau SAR
Madagascar
Madeira
Malawi
Malaysia
Maldives
Mali
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Melilla
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar (Burma)
Namibia
Nauru
Nepal
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
North Korea
North Macedonia
Northern Cyprus
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Philippines
Puerto Rico
Qatar
Réunion
Russia
Russian-occupied regions of Ukraine
Rwanda
Saba
Saint Barthélemy
Saint Helena, Ascension and Tristan da Cunha
Saint Kitts and Nevis
Saint Lucia
Saint Martin (French part)
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
São Tomé and Príncipe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Sint Eustatius
Sint Maarten
Solomon Islands
Somalia
Somaliland
South Africa
South Ossetia
South Sudan
Sri Lanka
Sudan
Suriname
Svalbard
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Transnistria
Trinidad and Tobago
Tunisia
Türkiye
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
United Arab Emirates
Uruguay
US Virgin Islands
Uzbekistan
Vanuatu
Venezuela
Vietnam
Wallis and Futuna
West Bank
Western Sahara
Yemen
Zambia
Zimbabwe