> ## 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.

# USD Virtual Accounts

> Receive USD payments that connect into stablecoin workflows.

Give users and businesses USD account details to receive payments through ACH and wire transfers.

## What you can do

<Columns cols={2}>
  <Card title="Receive USD" icon="building-columns">
    Issue USD virtual accounts to receive payments via wire and ACH.
  </Card>

  <Card title="Flow into stablecoins" icon="arrow-right-arrow-left">
    Connect incoming USD directly into stablecoin workflows.
  </Card>

  <Card title="For users or businesses" icon="users">
    Provision accounts for individual users or business customers.
  </Card>

  <Card title="One integration" icon="plug">
    Combine with WAAS wallets to receive and hold in one flow.
  </Card>
</Columns>

## How the flow works

<Steps>
  <Step title="Create a customer">
    Create the person or business that will own the virtual-account relationship. The customer
    belongs to your merchant account and can be reused across customer-scoped Yara products.
  </Step>

  <Step title="Verify the customer">
    Submit the customer's KYC or KYB. USD virtual accounts require completed Tier 2 verification
    and an approved USD banking capability.
  </Step>

  <Step title="Create the USD virtual account">
    Request a virtual account using the Yara customer ID. Yara returns the account instructions
    when provisioning completes.
  </Step>

  <Step title="Receive customer funds">
    Deposits are attributed to the customer and credited to your merchant balance. You manage the
    customer balance presented in your own product.
  </Step>
</Steps>

<CardGroup cols={3}>
  <Card title="Customers" icon="users" href="/virtual-accounts/customers">
    Understand merchant ownership and create customer records.
  </Card>

  <Card title="Verification" icon="badge-check" href="/virtual-accounts/verification">
    Submit and track customer KYC or KYB.
  </Card>

  <Card title="Customer webhooks" icon="webhook" href="/virtual-accounts/webhooks">
    Receive customer and verification state notifications.
  </Card>
</CardGroup>