Account Funding Transaction Updates

Platform’s leveraging the Account Funding endpoints can subscribe to webhooks to receive real-time updates. There are the following scenarios:

Webhook Scenario	Description	Exact `reason` text
Complete	The Fund Event has completed successfully. The deposited crypto has been automatically and successfully converted to fiat	n.a
Not complete - Asset not supported by the Account Funding product	The Fund Event was not completed successfully. The crypto asset deposited is no longer supported by the product	`asset deposited is not supported by the fund workflow. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Asset not supported by the Platform	The Fund Event was not completed successfully. The crypto asset deposited is no longer supported by the product.	`asset deposited is not supported by your Platform. The deposit has not been converted to fiat and the crypto has been credited to the customer's account.`
Not complete - Platform not enabled	The Fund Event was not completed successfully. The Platform is no longer configured to use the product.	`deposit to an account associated with a platform not enabled on the fund workflow. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Customer not in an approved status	The Fund Event was not completed successfully. The `participant_code` associated with the Fund Event is not in an approved status.	`the customer was not in an approved state at the time of deposit. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Deposit above maximum	The Fund Event was not completed successfully. zerohash offers the ability for platforms to define a maximum deposit amount. If that's exceeded upon a deposit, the Platform will receive a webhook.	`deposit above maximum threshold. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Deposit below minimum	The Fund Event was not completed successfully. zerohash offers the ability for platforms to define a minimum deposit amount. If the deposit is below that figure, the Platform will receive a webhook.	`deposit below minimum threshold. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Deposit not converted due to depeg	Stablecoins are only auto-converted to fiat when the stablecoin is properly pegged to it's reference asset. If a stablecoin is received and it is deemed depegged, the auto-conversion will not take place and the Platform will receive a webhook.	`conversions are currently halted. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Deposit not converted due to compliance reasons	There are certain compliance-related scenarios that will lead to a failed fund event. If they are triggered, funds will not sit in the Customer's account, but will instead be converted to a zerohash-controlled holding account	`For Zero Hash Compliance reasons, the deposit has not been converted to fiat and the crypto has been credited to a Zero Hash holding account`
Not complete - Currency mismatch	The Fund Event was not completed successfully. Currency deposited is different from the one requested.	`deposit currency does not match the fund's underlying currency. The deposit has not been converted to fiat and the crypto has been credited to the customer's account`
Not complete - Fund event expired - No deposit received	There was not a successful fund event within 30 minutes of JWT generation	`deposit session has expired.`
Pending - Waiting for Name Match	Applicable to the Travel Rule-Based Account Matching "Processing" feature only.Deposit received, but the PII name match process has not been conducted yet.	`deposit received, however the Travel Rule-based account match has not completed yet`
Not complete - Name Match Failed	Applicable to the Travel Rule-Based Account Matching "Processing" feature only. Deposit received, but the Travel Rule-based account match failed, preventing conversion to fiat.	`Travel Rule-based account match failed`
Not complete - Name Match Time Out	Applicable to the Travel Rule-Based Account Matching "Processing" feature Deposit received, but the Travel Rule-based account match timed out.	`Travel Rule-based account match timed out`

Field Definitions:

Field	Description	Always Present?	Type
`participant_code`	End customer's participant code	Yes	string
`fund_asset`	The crypto asset that was sent by the end customer in order to fund an account	Yes	string
`rate`	The rate at which the `fund_asset` was liquidated at	No - only present if the Fund Event was successful and the asset was converted	string
`quoted_currency`	The asset that the provided `rate` was denominated in, and will ultimately be converted into automatically upon a deposit	No - only present if the Fund Event was successful and the asset was converted	string
`source_address`	The address that the end customer deposited the crypto asset from	Yes	string
`deposit_address`	The address that the end customer deposited the crypto asset to	Yes	string
`quantity`	The amount, denominated in the `fund_asset`, that was funded	No - only when a deposit is received	string
`notional`	The conversion amount denominated in the `quoted_currency`, less	No - only present if the Fund Event was successful and the asset was converted	string
`fund_id`	The zerohash-generated unique identifier associated with a fund event	Yes	string
`fund_timestamp`	The UNIX timestamp of when the fund event was completed	No - only present if the Fund Event was successful and the asset was converted	number
`deposit_timestamp`	The UNIX timestamp of when the deposit is confirmed	Yes	number
`transaction_id`	The on-chain transaction id associated with the deposit	Yes	string
`account_label`	The `account_label` where the deposit was credited to	Yes	string
`success`	A boolean field to indicate the success of the transaction	Yes	string
`reason`	Reason that the fund event failed	No - empty if `success` = true. Populated only if `success` = false with failure reason.	string
`reference_id`	platform provided id for the transaction	No - only present if: 1 - a `reference_id` is supplied when invoking the Account Funding SDK or 2 - a `client_fund_id` is supplied when calling the POST /fund/rfq endpoint	string
`raw_fee_bps`	Initial fee rate expressed in basis points	No - only present if the Fund Event was successful and the asset was converted	string
`raw_fee_notional`	Actual fee amount calculated directly from the RawFeeBPS	No - only present if the Fund Event was successful and the asset was converted	string
`deposit_fee_bps`	Effective fee rate in basis points that was actually applied after minimum floors were considered	No - only present if the Fund Event was successful and the asset was converted	string
`deposit_fee_notional`	Final fee amount that will actually be charged to the participant	No - only present if the Fund Event was successful and the asset was converted	string
`deposit_fee_type`	The fee model applied to this transaction. Values: `flat` and `tiered`.	No - only present upon a successful Fund Event and asset conversion, provided a fee type is configured	string
`deposit_intent_id`	The identifier for the deposit session/intent	No - only present upon a successful Fund Event and asset conversion, provided a the deposit intent feature is configured	string
`fee_tier_breakdown`	Breakdown of how the fee was calculated across tiers	No - only present upon a successful Fund Event and asset conversion, provided the `deposit_fee_type` is `tiered`	array
`fee_tier_breakdown\[].tier`	The tier number (1-based)	No - only present upon a successful Fund Event and asset conversion, provided a the Platform is configured for Tiered Fees	number
`fee_tier_breakdown\[].amount_in_tier`	The deposit amount (in quoted_currency) that fell into this tier	No - only present upon a successful Fund Event and asset conversion, provided a the Platform is configured for Tiered Fees	string
`fee_tier_breakdown\[].fee_bps`	The fee rate in basis points applied for this tier	No - only present upon a successful Fund Event and asset conversion, provided a the Platform is configured for Tiered Fees	number
`fee_tier_breakdown\[].fee_amount`	The fee amount calculated for this tier	No - only present upon a successful Fund Event and asset conversion, provided a the Platform is configured for Tiered Fees	string

Payloads

Complete Example

{
   "participant_code": "CUST01",
   "fund_asset": "USDC.ETH",
   "rate": "1",
   "quoted_currency": "USD",
   "source_address": "0x3A45a60c62EE6cD616B1C4510404Eba88116044I",
   "deposit_address": "0x34f53Aea3ba8b60B0ed19106baF43A4f3F73f248",
   "quantity": "10000",
   "notional": "9940.35",
   "fund_id": "5155f7c9-95cb-4556-ab89-c178943a7111",
   "fund_timestamp": 1750404905186631445,
   "deposit_timestamp": 1750404905037719568,
   "transaction_id": "a07407e8f98c21b037b4aa0cbc852b8489c5e122fcc3d4b33b7827d0605ad8ff",
   "account_label": "general",
   "success": true,
   "reference_id": "d098e59b-8023-4477-8b63-68fda3c53a30",
   "raw_fee_bps": "35",
   "raw_fee_notional": "34.65",
   "deposit_fee_bps": "35",
   "deposit_fee_notional": "34.65",
   "deposit_intent_id": "a6a39fb8-4089-4d85-ab19-52eacd096d23",
   "deposit_fee_type": "tiered",
   "fee_tier_breakdown":[
      {
         "tier": 1,
         "amount_in_tier": "5000",
         "fee_bps": 40,
         "fee_amount": "19.80"
      },
      {
         "tier": 2,
         "amount_in_tier": "5000",
         "fee_bps": 30,
         "fee_amount": "14.85"
      }
   ]
}

Not complete - Asset not supported by the Account Funding product

{
    "participant_code": "5OPRCP",
    "fund_asset": "USDC.ARBITRUM",
    "source_address": "external",
    "deposit_address": "0xa298a16a78654F4D8567169833987a54caCf144e",
    "quantity": "1.000000",
    "fund_id": "a393631e-7b7f-4a76-a99a-bb467df9960f",
    "deposit_timestamp": 1777998929579466581,
    "transaction_id": "0xbe890f510797d12da67fc6f71bc786cba27c54239511c80e9865f0a7012b81ba",
    "account_label": "general",
    "success": false,
    "reason": "asset deposited is not supported by the fund workflow. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
    "reference_id": "a293f8a8-495f-45f4-880e-d4d30aef5659",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "c635e835-84a3-48aa-99f1-7ede9d9a0f0e"
  }

Not complete - Asset not supported by the Platform

{
  "participant_code": "CUST01",
  "fund_asset": "SOL",
  "quoted_currency": "USD",
  "source_address": "0x3A45a60c62EE6cD616B1C4510404Eba88116044I", 
  "deposit_address": "0x34f53Aea3ba8b60B0ed19106baF43A4f3F73f248",
  "quantity": "100",
  "fund_id": "5155f7c9-95cb-4556-ab89-c178943a7111",
  "deposit_timestamp": 1750412525409770895,
  "transaction_id": "a07407e8f98c21b037b4aa0cbc852b8489c5e122fcc3d4b33b7827d0605ad8ff",
  "account_label": "general",
  "success": false,
  "reason" : "asset deposited is not supported by the fund workflow. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
  "raw_fee_bps": "0",
  "deposit_fee_bps": "0",
  "raw_fee_notional": "0.00",
  "deposit_fee_notional": "0.00"
}

Not Complete - Platform not enabled

{
  "participant_code": "CUST01",
  "fund_asset": "USDC.ETH",
  "quoted_currency": "USD",
  "source_address": "0x3A45a60c62EE6cD616B1C4510404Eba88116044I", 
  "deposit_address": "0x3A45a60c635E6cD616B1C4510404Eba88116050C",
  "quantity": "100",
  "fund_id": "5155f7c9-95cb-4556-ab89-c178943a7111",
  "deposit_timestamp": 1750412525409770895,
  "transaction_id": "a07407e8f98c21b037b4aa0cbc852b8489c5e122fcc3d4b33b7827d0605ad8ff",
  "account_label": "general",
  "success": false,
  "reason" : "deposit to an account associated with a platform not enabled on the fund workflow. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
  "raw_fee_bps": "0",
  "deposit_fee_bps": "0",
  "raw_fee_notional": "0.00",
  "deposit_fee_notional": "0.00"
}

Not complete - Customer not in an approved status

{
  "participant_code": "CUST01",
  "fund_asset": "SOL",
  "quoted_currency": "USD",
  "source_address": "0x3A45a60c62EE6cD616B1C4510404Eba88116044I", 
  "deposit_address": "0x34f53Aea3ba8b60B0ed19106baF43A4f3F73f248",
  "quantity": "100",
  "fund_id": "5155f7c9-95cb-4556-ab89-c178943a7111",
  "deposit_timestamp": 1750412525409770895,
  "transaction_id": "a07407e8f98c21b037b4aa0cbc852b8489c5e122fcc3d4b33b7827d0605ad8ff",
  "account_label": "general",
  "success": false,
  "reason" : "the customer was not in an approved state at the time of deposit. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
  "raw_fee_bps": "0",
  "deposit_fee_bps": "0",
  "raw_fee_notional": "0.00",
  "deposit_fee_notional": "0.00"
}

Not Complete - Deposit above maximum

{
    "participant_code": "VJ98BP",
    "fund_asset": "USDC.ETH",
    "source_address": "external",
    "deposit_address": "0x907063d3E932d4B8dE71e8a608f02232DC994062",
    "quantity": "6000.000000",
    "fund_id": "3a025abf-e6ef-4969-b52d-fef114159ac3",
    "deposit_timestamp": 1777998962686403916,
    "transaction_id": "0x8294eb714c302c7051e625133156448f8379d67cbb8dd499de2b8732e4979390",
    "account_label": "general",
    "success": false,
    "reason": "deposit above maximum threshold. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
    "status_reason_code": "AMOUNT_ABOVE_MAXIMUM",
    "reference_id": "cf9a16d1-3f34-4a57-9c29-cbfd7aab6786",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "d83f0a87-bded-48fc-a5b7-f6b18507289c"
  }

Not Complete - Deposit below minimum

{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "0.000010000",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "deposit below minimum threshold. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
  }

Not Complete - Deposit not converted due to depeg

{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "0.000010000",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "USDC conversions are currently halted. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
  }

Not Complete - Deposit not converted due to compliance reasons

{
    "participant_code": "2A0BGG",
    "fund_asset": "SOL.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "0.000010000",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "For Zero Hash Compliance reasons, the deposit has not been converted to fiat and the crypto has been credited to a Zero Hash holding account",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
}

-- Note: "USDC" from the `reason` above is variable depending on the fund_asset

Not Complete - Currency mismatch

{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "0.000010000",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "deposit currency does not match the fund's underlying currency. The deposit has not been converted to fiat and the crypto has been credited to the customer's account",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
  }

Fund event expired - No deposit received

{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "-",
    "deposit_address": "-",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "",
    "account_label": "general",
    "success": false,
    "reason": "deposit session has expired.",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
  }

Pending - Waiting for Name Match


{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "3500.00",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "deposit received, however the Travel Rule-based account match has not completed yet",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
  }

Not complete - Name Match Failed


{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "10.00",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "Travel Rule-based account match failed",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "74f49473-5675-4df8-80a3-6cd15395acfa"
  }

Not complete - Name Match Time Out


{
    "participant_code": "2A0BGG",
    "fund_asset": "USDC.SOL",
    "source_address": "QVtWcAX3R7Cr51VhAxFSYntoCAmTQzK8Hf4R1TrKNQ4",
    "deposit_address": "6ff9BsmQQbQt3B8nZM7GgYZqjrJs5VCwuTG5dm4W1iFf",
    "quantity": "10.00",
    "fund_id": "b7e449a1-3535-4255-ae02-30b1fee99087",
    "deposit_timestamp": 1777998906294736142,
    "transaction_id": "23WxFBBxg2ByhrCCvfd8NXUh3Gxs8Bh7dMYfcP7PppssUt4CkwYM7HeYJQ7wXdiKPue1DrKA5NyrQqkZUEfGCTPv",
    "account_label": "general",
    "success": false,
    "reason": "Travel Rule-based account match failed",
    "raw_fee_bps": "0",
    "deposit_fee_bps": "0",
    "raw_fee_notional": "0.00",
    "deposit_fee_notional": "0.00",
    "source": {},
    "deposit_intent_id": "`Travel Rule-based account match timed out`"
  }