Bank Accounts

Overview

Bank accounts represent PIX payment destinations for off-ramp transactions, allowing customers to receive Brazilian Real (BRL) funds from cryptocurrency conversions.

Bank Account Management

Bank accounts are created programmatically through the API and are linked to specific customers.

Bank Account Creation Process:

1. Create Bank Account - Submit bank account details including beneficiary information and PIX key
2. Verification - Bank account undergoes verification process with status tracking
3. Use in Transactions - Verified bank accounts can be used as destinations for off-ramp transactions

Bank Account Properties

Core Information:

• ID: Unique UUID identifier for API operations
• Customer ID: The customer this bank account belongs to
• Name: Display name for the bank account
• Type: Currently only EXTERNAL is supported
• Created/Updated: Timestamps for tracking

Payment Details:

• Rail: Payment rail type (currently only PIX is supported)
• Currency: Supported currency (currently only BRL)
• Account Details: PIX key information (key type and key value)
• Beneficiary: Account holder information including legal name, tax ID, email, contact details, and address

Verification:

• Status: Current verification status
• Level: Verification level

PIX Key Types

Bank accounts support multiple PIX key types for receiving payments:

• EMAIL - Email address as PIX key
• PHONE - Phone number as PIX key
• CNPJ - Brazilian company tax ID
• RANDOM - Random PIX key (chave aleatória)

Example Bank Account Response

{
  "id": "3190d115-987f-402f-b558-0316d3a22ebd",
  "customerId": "774f7a53-fd45-4634-9548-eb37c9554137",
  "name": "Main Business Account",
  "type": "EXTERNAL",
  "rail": "PIX",
  "currency": "BRL",
  "beneficiary": {
    "relationship": "SELF",
    "legalName": "John Doe",
    "taxId": "12345678900",
    "email": "john.doe@example.com",
    "incorporationDate": "2024-01-01",
    "address": {
      "line1": "123 Main Street",
      "line2": "Apt 4B",
      "city": "São Paulo",
      "state": "SP",
      "postalCode": "01310-100",
      "country": "BR"
    }
  },
  "accountDetails": {
    "keyType": "EMAIL",
    "keyValue": "john.doe@example.com"
  },
  "verification": {
    "status": "APPROVED",
    "level": "BASIC"
  },
  "createdAt": "2025-09-13T10:00:00.000Z",
  "updatedAt": "2025-09-13T10:00:00.000Z"
}