> ## 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.

# Virtual Account Flow Testing Credentials

> Sandbox Testing of the Virtual Accounts Flow

This page is for developers testing the Virtual Account flow in sandbox. It lists the test values you need per provider (Noah, Due, Brale) to create customers, quotes, and orders. For the full integration walkthrough, see the [Virtual Account Integration Guide](/docs/stablecoins/virtual-account-integration/virtual-account-guide).

> **Sandbox limitation:** You will **not** be able to complete a full transaction in sandbox. Provider sandboxes do not settle real funds, so the furthest you can reach is creating a virtual bank account (onramp) or receiving a deposit address (offramp).

***

## Before you start

1. Create a `customerId` via `POST /accounts/customers` (see Step 1 of the [integration guide](/docs/stablecoins/virtual-account-integration/virtual-account-guide)). If you need a **business** customer for KYB testing, contact Meld.
2. Complete KYC for the customer (see below).
3. Fetch supported crypto currencies for your intended provider — call `GET /service-providers/properties/crypto-currencies` with `serviceProviders` and `categories=CRYPTO_VIRTUAL_ACCOUNT_ONRAMP` (or `CRYPTO_VIRTUAL_ACCOUNT_OFFRAMP`) to see what's available in sandbox.
4. Use the test values below when creating quotes and orders. Wallet addresses can be **any valid address** for the token's chain.

***

## Sandbox KYC

To KYC a user in sandbox, follow the instructions in [KYC testing → Meld KYCes the user](/docs/stablecoins/sandbox-guide/kyc-testing).

***

## Noah

### Onramp (buy)

| Field          | Value |
| -------------- | ----- |
| Country        | US    |
| Fiat Currency  | USD   |
| Fiat Amount    | 100   |
| Token          | USDC  |
| Payment Method | ACH   |

### Offramp (sell)

| Field          | Value |
| -------------- | ----- |
| Country        | US    |
| Fiat Currency  | USD   |
| Fiat Amount    | 100   |
| Token          | USDC  |
| Payment Method | ACH   |

***

## Due Network

> **Note:** Due does not operate in the US. Use a non-US customer and EUR as the fiat currency.

### Onramp (buy)

| Field          | Value      |
| -------------- | ---------- |
| Fiat Currency  | EUR        |
| Token          | USDT\_TRON |
| Payment Method | SEPA       |

### Offramp (sell)

| Field          | Value |
| -------------- | ----- |
| Fiat Currency  | EUR   |
| Fiat Amount    | 100   |
| Token          | USDC  |
| Payment Method | SEPA  |

***

## Brale

> Brale does **not** support quotes. All exchanges are 1:1 between USD and USD-backed stablecoins.

### Onramp (buy)

| Field          | Value                 |
| -------------- | --------------------- |
| Country        | US                    |
| Fiat Currency  | USD                   |
| Fiat Amount    | 100                   |
| Token          | USDC                  |
| Payment Method | LOCAL\_BANK\_TRANSFER |

***

## Testing tips

* Wallet addresses can be any valid address for the token's chain. Some providers validate that the address format matches (e.g. a TRON address for USDT\_TRON).
* To see which currencies and payment methods a provider supports in sandbox, call `GET /service-providers/properties/crypto-currencies` with the provider name and relevant category.
* Start with the **onramp (buy) flow** — it is the most complete path in sandbox.
* Include `X-Idempotency-Key` on order requests so you can safely retry without creating duplicates.
* Webhook events (`TRANSACTION_CRYPTO_PENDING`, etc.) may or may not fire in sandbox depending on the provider. Do not rely on sandbox webhooks for end-to-end testing.

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