> ## Documentation Index > Fetch the complete documentation index at: https://docs.meld.io/llms.txt > Use this file to discover all available pages before exploring further. # Create or retrieve standing virtual-account onramp deposit instructions > Provisions a standing virtual bank account for recurring onramp deposits, or returns the existing instructions when the same customer, provider, payment method, currency pair, and destination wallet were already set up. ## OpenAPI ````yaml /openapi/crypto-20260203.json post /payments/virtual-account/deposit-instructions openapi: 3.1.0 info: title: CRYPTO termsOfService: urn:tos license: name: Apache 2.0 url: https://springdoc.org version: '2026-02-03' description: '' servers: - url: https://api-sb.meld.io description: Meld API sandbox - url: https://api.meld.io description: Meld API production security: [] tags: - name: Retail Ramp description: '' - name: Virtual Account description: '' - name: Payment description: '' - name: Session description: '' paths: /payments/virtual-account/deposit-instructions: post: tags: - Virtual Account summary: Create or retrieve standing virtual-account onramp deposit instructions description: >- Provisions a standing virtual bank account for recurring onramp deposits, or returns the existing instructions when the same customer, provider, payment method, currency pair, and destination wallet were already set up. operationId: /payments-virtual-account-deposit-instructions-create parameters: - name: X-Idempotency-Key in: header required: false schema: type: string format: uuid requestBody: content: application/json: schema: $ref: '#/components/schemas/VirtualAccountDepositInstructionsRequest' example: destinationCurrencyCode: USDC destinationWalletAddress: '0xe51f36521fF5D857824e615a64D34808534a55f4' paymentMethodType: ACH serviceProvider: ACROSS sourceCurrencyCode: USD required: true responses: '201': description: Deposit instructions created or returned successfully content: '*/*': schema: $ref: '#/components/schemas/VirtualAccountDepositInstructionsResponse' '400': description: 'Bad Request : check request values and format' '401': description: Invalid credentials '403': description: Unauthenticated or authenticated with insufficient access '500': description: Internal Error content: '*/*': schema: $ref: '#/components/schemas/ErrorResponse' security: - ApiKeyAuth: [] components: schemas: VirtualAccountDepositInstructionsRequest: type: object description: >- Request to provision or retrieve standing virtual-account deposit instructions properties: customerId: type: string description: Meld customer id minLength: 1 customerPhoneNumber: type: string description: >- Customer phone number — required when paymentMethodType is MOBILE_MONEY and the provider requires it destinationCurrencyCode: type: string description: Destination cryptocurrency code example: USDC minLength: 1 destinationWalletAddress: type: string description: Wallet address that will receive the purchased cryptocurrency example: '0xe51f36521fF5D857824e615a64D34808534a55f4' minLength: 1 paymentMethodType: type: string description: Fiat rail used to fund the virtual account enum: - ACH - SEPA - PIX - MOBILE_MONEY serviceProvider: type: string description: Service provider for the virtual deposit account enum: - ACROSS - AEROPAY - AKOYA - ALCHEMYPAY - APPLEPAY - AUTHORIZENET - BANXA - BILIRA - BINANCECONNECT - BINANCEPAY - BLOCKCHAINDOTCOM - BOOMFI - BRAINTREE - BRALE - BTCDIRECT - CASHAPP - CHECKOUT - CIRCLE - COINBASEPAY - COINFLOW - DUENETWORK - ELDORADO - FINICITY - FLASHNET - FONBNK - GUARDARIAN - HARBOUR - KOYWE - KRYPTONIM - MERCURYO - MESH - MESO - MOONPAY - MOOV - MX - NMI - NOAH - ONMETA - ONRAMPMONEY - PAYBIS - PAYPAL - PLAID - RAMP - REVOLUT - ROBINHOOD - ROUTERPROTOCOL - SALTEDGE - SALTEDGEPARTNERS - SARDINE - SHIFT4 - SHOPIFY - SIMPLEX - SKRILLCRYPTO - SQUARE - STRIPE - SUMSUB - SWAPPED - TANGOCARD - TELLER - TOPPER - TRANSAK - TREMENDOUS - TRANSFI - UNLIMIT - UPHOLD - WYRE - XANPOOL - YELLOWCARD - YODLEE sourceCurrencyCode: type: string description: Source fiat currency code example: USD minLength: 1 required: - customerId - destinationCurrencyCode - destinationWalletAddress - paymentMethodType - serviceProvider - sourceCurrencyCode VirtualAccountDepositInstructionsResponse: type: object description: Standing virtual-account deposit instructions properties: customerId: type: string description: Meld customer id depositInstructionsId: type: string description: Unique id for this deposit instruction row destinationCurrencyCode: type: string description: Destination cryptocurrency code destinationWalletAddress: type: string description: Destination wallet address for purchased crypto paymentMethodType: type: string description: Payment method type for the fiat deposit rail enum: - ACH - SEPA - PIX - MOBILE_MONEY receivingBankInformation: description: >- Bank information for the fiat transfer; shape depends on paymentMethodType oneOf: - title: AchReceivingBankInformation allOf: - $ref: '#/components/schemas/AchReceivingBankInformation' - title: LocalBankTransferReceivingBankInformation allOf: - $ref: >- #/components/schemas/LocalBankTransferReceivingBankInformation - title: MobileMoneyReceivingBankInformation allOf: - $ref: '#/components/schemas/MobileMoneyReceivingBankInformation' - title: PixReceivingBankInformation allOf: - $ref: '#/components/schemas/PixReceivingBankInformation' - title: SepaReceivingBankInformation allOf: - $ref: '#/components/schemas/SepaReceivingBankInformation' serviceProvider: type: string description: Service provider enum: - ACROSS - AEROPAY - AKOYA - ALCHEMYPAY - APPLEPAY - AUTHORIZENET - BANXA - BILIRA - BINANCECONNECT - BINANCEPAY - BLOCKCHAINDOTCOM - BOOMFI - BRAINTREE - BRALE - BTCDIRECT - CASHAPP - CHECKOUT - CIRCLE - COINBASEPAY - COINFLOW - DUENETWORK - ELDORADO - FINICITY - FLASHNET - FONBNK - GUARDARIAN - HARBOUR - KOYWE - KRYPTONIM - MERCURYO - MESH - MESO - MOONPAY - MOOV - MX - NMI - NOAH - ONMETA - ONRAMPMONEY - PAYBIS - PAYPAL - PLAID - RAMP - REVOLUT - ROBINHOOD - ROUTERPROTOCOL - SALTEDGE - SALTEDGEPARTNERS - SARDINE - SHIFT4 - SHOPIFY - SIMPLEX - SKRILLCRYPTO - SQUARE - STRIPE - SUMSUB - SWAPPED - TANGOCARD - TELLER - TOPPER - TRANSAK - TREMENDOUS - TRANSFI - UNLIMIT - UPHOLD - WYRE - XANPOOL - YELLOWCARD - YODLEE serviceProviderDetails: type: object additionalProperties: {} description: >- Raw provider-specific fields not mapped into receivingBankInformation sourceCurrencyCode: type: string description: Source fiat currency code ErrorResponse: type: object properties: code: type: string displayMessage: type: string errors: type: array items: type: string message: type: string requestId: type: string serviceProviderDetails: type: object additionalProperties: {} timestamp: type: string format: date-time AchReceivingBankInformation: allOf: - $ref: '#/components/schemas/ReceivingBankInformation' - type: object properties: accountNumber: type: string description: Bank account number routingNumber: type: string description: Bank routing number - type: object properties: accountNumber: type: string description: Bank account number routingNumber: type: string description: Bank routing number bankName: type: string description: Receiving bank name accountHolderName: type: string description: Account holder name on the virtual account description: Receiving bank details for ACH LocalBankTransferReceivingBankInformation: allOf: - $ref: '#/components/schemas/ReceivingBankInformation' - type: object properties: accountNumber: type: string description: Bank account number routingNumber: type: string description: Bank routing number description: Receiving bank details for LOCAL_BANK_TRANSFER MobileMoneyReceivingBankInformation: allOf: - $ref: '#/components/schemas/ReceivingBankInformation' - type: object properties: mobileMoneyReference: type: string description: Mobile money reference bankName: type: string description: Receiving bank name accountHolderName: type: string description: Account holder name on the virtual account description: Receiving bank details for mobile money PixReceivingBankInformation: allOf: - $ref: '#/components/schemas/ReceivingBankInformation' - type: object properties: pixKey: type: string description: PIX key bankName: type: string description: Receiving bank name accountHolderName: type: string description: Account holder name on the virtual account description: Receiving bank details for PIX SepaReceivingBankInformation: allOf: - $ref: '#/components/schemas/ReceivingBankInformation' - type: object properties: iban: type: string description: IBAN - type: object properties: iban: type: string description: IBAN bic: type: string description: BIC / SWIFT code when provided by the provider bankName: type: string description: Receiving bank name accountHolderName: type: string description: Account holder name on the virtual account description: Receiving bank details for SEPA ReceivingBankInformation: description: Receiving bank details. The schema depends on paymentMethodType. discriminator: propertyName: paymentMethodType properties: paymentMethodType: type: string required: - paymentMethodType securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization x-default: BASIC ````