> ## Documentation Index
> Fetch the complete documentation index at: https://developers.yara.cash/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a customer USD virtual account

> Creates or returns the existing live USD virtual account for a Tier-2-verified customer. The response is masked; retrieve the account by ID for full active deposit instructions.



## OpenAPI

````yaml /openapi.json post /v1/virtual-accounts
openapi: 3.0.3
info:
  contact:
    email: support@yara.cash
    name: Yara API Support
  description: >-
    Merchant-facing wallets/address-as-a-service API for creating merchant
    receive addresses, inspecting balances, quoting transfers, and initiating
    payouts to whitelisted recipients.

    Public endpoints are for external integrators. Dashboard endpoints are
    gateway-to-environment surfaces protected by the external API gateway.
    Internal endpoints are platform/system surfaces protected by an internal
    token.
  license:
    name: Proprietary
  title: Yara External API - Public API
  version: '1.0'
servers:
  - url: https://api.yara.cash
security: []
paths:
  /v1/virtual-accounts:
    post:
      tags:
        - public.virtual-accounts
      summary: Create a customer USD virtual account
      description: >-
        Creates or returns the existing live USD virtual account for a
        Tier-2-verified customer. The response is masked; retrieve the account
        by ID for full active deposit instructions.
      parameters:
        - description: Idempotency key
          in: header
          name: X-Idempotency-Key
          required: true
          schema:
            type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/VirtualAccountCreateRequest'
        description: Virtual account creation request
        required: true
      responses:
        '200':
          description: Existing account
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountSummaryResponse'
        '201':
          description: Created account
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountSummaryResponse'
        '202':
          description: Provisioning account
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountSummaryResponse'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '409':
          description: Conflict
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '503':
          description: Service Unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      security:
        - ApiKeyAuth: []
components:
  schemas:
    VirtualAccountCreateRequest:
      properties:
        currency:
          enum:
            - USD
          example: USD
          type: string
        customer_id:
          example: 5ec10df5-acde-4e95-926c-2174279cf2fd
          type: string
      required:
        - customer_id
      type: object
    VirtualAccountSummaryResponse:
      properties:
        data:
          $ref: '#/components/schemas/VirtualAccountSummary'
      type: object
    ErrorResponse:
      properties:
        error:
          $ref: '#/components/schemas/ErrorBody'
      type: object
    VirtualAccountSummary:
      properties:
        created_at:
          type: string
        currency:
          $ref: '#/components/schemas/VirtualAccountCurrency'
        customer_id:
          type: string
        deposit_instructions:
          $ref: '#/components/schemas/MaskedVirtualAccountDepositInstructions'
        id:
          type: string
        status:
          $ref: '#/components/schemas/VirtualAccountStatus'
        supported_rails:
          items:
            type: string
          type: array
        updated_at:
          type: string
      type: object
    ErrorBody:
      properties:
        code:
          example: validation_error
          type: string
        message:
          example: invalid JSON body
          type: string
      type: object
    VirtualAccountCurrency:
      enum:
        - USD
      type: string
      x-enum-varnames:
        - CurrencyUSD
    MaskedVirtualAccountDepositInstructions:
      properties:
        account_number:
          type: string
        account_type:
          type: string
        bank_name:
          type: string
      type: object
    VirtualAccountStatus:
      enum:
        - PROVISIONING
        - ACTIVE
        - INACTIVE
        - FAILED
        - REQUIRES_REVIEW
      type: string
      x-enum-varnames:
        - StatusProvisioning
        - StatusActive
        - StatusInactive
        - StatusFailed
        - StatusRequiresReview
  securitySchemes:
    ApiKeyAuth:
      description: 'Public merchant API key. You can also send Authorization: ApiKey <key>.'
      in: header
      name: X-Yara-API-Key
      type: apiKey

````