Create a balance account - Infinite Documentation

CLI

# Requires: npm i -g @infinite_dev/cli && export INFINITE_API_KEY=sk_sandbox_...
# Escape hatch for any endpoint: infinite api <METHOD> <path>
infinite api POST /v1/balance-accounts \
  --body '<request-json>'

import requests

url = "https://sandbox.api.infinite.dev/v1/balance-accounts"

payload = {
    "customerId": "cus_abc123",
    "product": "STANDARD",
    "externalReference": "550e8400-e29b-41d4-a716-446655440000",
    "metadata": { "nickname": "Operating balance" }
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    customerId: 'cus_abc123',
    product: 'STANDARD',
    externalReference: '550e8400-e29b-41d4-a716-446655440000',
    metadata: {nickname: 'Operating balance'}
  })
};

fetch('https://sandbox.api.infinite.dev/v1/balance-accounts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox.api.infinite.dev/v1/balance-accounts",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customerId' => 'cus_abc123',
    'product' => 'STANDARD',
    'externalReference' => '550e8400-e29b-41d4-a716-446655440000',
    'metadata' => [
        'nickname' => 'Operating balance'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox.api.infinite.dev/v1/balance-accounts"

	payload := strings.NewReader("{\n  \"customerId\": \"cus_abc123\",\n  \"product\": \"STANDARD\",\n  \"externalReference\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"metadata\": {\n    \"nickname\": \"Operating balance\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox.api.infinite.dev/v1/balance-accounts")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"cus_abc123\",\n  \"product\": \"STANDARD\",\n  \"externalReference\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"metadata\": {\n    \"nickname\": \"Operating balance\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox.api.infinite.dev/v1/balance-accounts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"cus_abc123\",\n  \"product\": \"STANDARD\",\n  \"externalReference\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"metadata\": {\n    \"nickname\": \"Operating balance\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "vba_1234567890abcdef",
  "customerId": "cust_abc123",
  "type": "VIRTUAL_BANK",
  "status": "ACTIVE",
  "createdAt": "2026-01-15T10:00:00Z",
  "updatedAt": "2026-01-15T10:00:00Z",
  "externalReference": "550e8400-e29b-41d4-a716-446655440000",
  "bankDetails": {
    "accountNumber": "1234567890",
    "routingNumber": "021000021",
    "iban": "GB82WEST12345698765432",
    "swiftCode": "CHASUS33",
    "bankName": "JPMorgan Chase Bank",
    "bankCountryCode": "US",
    "bankAddress": {
      "addressLine1": "270 Park Avenue",
      "addressLine2": "Floor 10",
      "city": "New York",
      "state": "NY",
      "postalCode": "10017",
      "country": "US"
    },
    "beneficiaryName": "John Smith",
    "beneficiaryPhone": "+14155550123",
    "beneficiaryAddress": {
      "addressLine1": "123 Main Street",
      "addressLine2": "Suite 100",
      "city": "New York",
      "state": "NY",
      "postalCode": "10001",
      "country": "US"
    },
    "supportedNetworks": [
      "ACH",
      "WIRE"
    ]
  },
  "walletDetails": {
    "walletAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "addressType": "EVM",
    "chains": [
      "ETHEREUM",
      "BASE"
    ],
    "walletType": "TREASURY",
    "sweepTargetAccountId": "eba_1234567890abcdef"
  },
  "currencyCodes": [
    "USD",
    "USDC"
  ],
  "virtualBankAccount": {
    "id": "vba_1234567890abcdef",
    "depositInstructions": {
      "bankName": "JPMorgan Chase Bank",
      "bankAddress": {
        "addressLine1": "270 Park Avenue",
        "addressLine2": "Floor 10",
        "city": "New York",
        "state": "NY",
        "postalCode": "10017",
        "country": "US"
      },
      "accountNumber": "1234567890",
      "routingNumber": "021000021",
      "iban": "GB82WEST12345698765432",
      "swiftBic": "CHASUS33",
      "bankCountryCode": "US",
      "beneficiaryName": "John Doe",
      "beneficiaryAddress": {
        "addressLine1": "270 Park Avenue",
        "addressLine2": "Floor 10",
        "city": "New York",
        "state": "NY",
        "postalCode": "10017",
        "country": "US"
      }
    },
    "developerFeeFixed": "100000",
    "developerFeePercent": 0.01,
    "sourceRail": "ACH",
    "sourceCurrency": "USD",
    "destinationRail": "BASE",
    "destinationCurrency": "USDC",
    "sweepTargetAccountId": "ewa_1234567890abcdef",
    "originCapable": true,
    "originAccountId": "vba_1234567890abcdef"
  },
  "virtualWallet": {
    "id": "vw_1234567890abcdef",
    "state": "ACTIVE",
    "destinationCurrency": "USD",
    "destinationRail": "ACH",
    "sweepTargetAccountId": "eba_1234567890abcdef",
    "originCapable": false,
    "originAccountId": "vwa_1234567890abcdef"
  },
  "proxyDetails": {
    "aliasType": "phone",
    "aliasValue": "+5511912345678",
    "paymentRail": "pix",
    "beneficiaryName": "John Smith",
    "beneficiaryType": "INDIVIDUAL"
  },
  "isThirdParty": false,
  "counterpartyId": "cp_abc123",
  "referenceId": "550e8400-e29b-41d4-a716-446655440000",
  "originCapable": true,
  "originAccountId": "vba_1234567890abcdef",
  "metadata": {
    "nickname": "Main Checking Account",
    "purpose": "Business operations",
    "tags": [
      "primary",
      "operations"
    ]
  },
  "created": true,
  "holdsBalance": true,
  "paymentRail": "ETHEREUM",
  "lastSentAt": "2024-01-15T10:30:00Z",
  "lastReceivedAt": "2024-01-15T10:30:00Z",
  "customer": {
    "id": "<string>",
    "customerName": "<string>",
    "organizationId": "<string>",
    "type": "INDIVIDUAL",
    "status": "DRAFT",
    "createdAt": "2026-01-15T10:00:00Z",
    "updatedAt": "2026-01-15T10:00:00Z",
    "email": "<string>",
    "countryCode": "AD",
    "imageUrl": "<string>",
    "requestedCapabilities": [
      "USD_ACH_PAYIN"
    ],
    "capabilities": [
      {
        "capability": "USD_WIRE_PAYIN",
        "status": "READY"
      }
    ],
    "customerDetails": {
      "firstName": "John",
      "lastName": "Smith",
      "middleName": "Michael",
      "transliteratedFirstName": "Li Ming",
      "transliteratedMiddleName": "Wen",
      "transliteratedLastName": "Wang",
      "dateOfBirth": "1990-01-15",
      "nationality": "US",
      "taxResidenceCountry": "GB",
      "phone": "+14155551234",
      "occupation": "151252",
      "employmentStatus": "EMPLOYED",
      "sourceOfIncome": "SALARY",
      "sourceOfFundsDescription": "<string>"
    },
    "associatedEntities": [
      {
        "id": "asp_abc123",
        "createdAt": "2026-01-15T10:30:00Z",
        "updatedAt": "2026-01-15T10:30:00Z",
        "entityType": "BUSINESS",
        "hasOwnership": true,
        "hasControl": true,
        "parentEntityId": "asp_parent123",
        "details": {
          "firstName": "John",
          "nickname": "Johnny",
          "lastName": "Doe",
          "middleName": "Michael",
          "dateOfBirth": "1985-03-15",
          "taxResidenceCountry": "GB",
          "transliteratedFirstName": "<string>",
          "transliteratedMiddleName": "<string>",
          "transliteratedLastName": "<string>",
          "taxIdentificationDocumentType": "UTR"
        },
        "countryCode": "US",
        "email": "contact@acmeholdings.com",
        "phone": "+14155551234",
        "address": {
          "addressLine1": "123 Main Street",
          "city": "San Francisco",
          "postalCode": "94102",
          "country": "US",
          "addressLine2": "Apt 4B",
          "state": "CA",
          "transliterated": {
            "addressLine1": "123 Main Street",
            "addressLine2": "Apt 4B",
            "city": "Beijing",
            "state": "Hebei"
          }
        },
        "ownershipPercentage": 51,
        "isSigner": false,
        "isDirector": false,
        "role": "CEO",
        "title": "Managing Director",
        "documents": [
          "doc_abc123"
        ],
        "attestedOwnershipStructureAt": "2026-01-15T10:30:00Z",
        "displayName": "Acme Holdings LLC",
        "verificationLink": {
          "sessionId": "vsess_abc123",
          "verificationUrl": "https://verify.infinite.dev/?sessionId=vsess_abc123",
          "expiresAt": "2026-01-09T10:30:00Z",
          "status": "ACTIVE"
        }
      }
    ],
    "addresses": [
      {
        "addressLine1": "123 Main Street",
        "city": "San Francisco",
        "postalCode": "94102",
        "country": "US",
        "addressLine2": "Apt 4B",
        "state": "CA",
        "transliterated": {
          "addressLine1": "123 Main Street",
          "addressLine2": "Apt 4B",
          "city": "Beijing",
          "state": "Hebei"
        },
        "label": "HOME",
        "isDefault": true
      }
    ],
    "missingRequirements": [
      {
        "requirementType": "FIELD",
        "key": "businessData.taxIdentificationNumber",
        "displayName": "Tax Identification Number"
      },
      {
        "requirementType": "DOCUMENT",
        "key": "ownership.ownership_structure",
        "displayName": "Ownership Information"
      }
    ],
    "accounts": [
      "<array>"
    ],
    "documents": [
      {
        "id": "doc_abc123",
        "organizationId": "org_xyz789",
        "customerId": "cus_abc123",
        "documentType": "INVOICE",
        "fileName": "invoice-2026-001.pdf",
        "contentType": "application/pdf",
        "sizeBytes": 1024000,
        "status": "UPLOADED",
        "createdAt": "2023-11-07T05:31:56Z",
        "transferId": "txn_xyz789",
        "documentSubtype": "BANK_STATEMENT",
        "remarks": "<string>",
        "fileHash": "<string>",
        "downloadUrl": "<string>",
        "uploadedAt": "2023-11-07T05:31:56Z",
        "associatedEntityId": "<string>"
      }
    ],
    "treasury": {
      "customerId": "cus_abc123",
      "treasuries": [
        {
          "id": "trs_abc123",
          "balances": {},
          "fundingMethods": [
            {
              "id": "vba_abc123",
              "type": "BANK_ACCOUNT",
              "provider": "INFINITE",
              "currency": "USD",
              "currencyCodes": [
                "USDC"
              ],
              "rail": "ACH",
              "rails": [
                "ACH",
                "WIRE"
              ],
              "bankName": "Infinite Bank",
              "beneficiaryName": "Acme Treasury",
              "accountNumber": "1234567890",
              "routingNumber": "021000021",
              "iban": "GB82WEST12345698765432",
              "swiftBic": "CHASUS33",
              "address": "0x1234567890abcdef1234567890abcdef12345678",
              "addressType": "EVM",
              "chains": [
                "ETHEREUM",
                "BASE"
              ]
            }
          ],
          "wallets": [
            {
              "accountId": "inw_abc123",
              "address": "0x1234567890abcdef1234567890abcdef12345678",
              "addressType": "EVM",
              "balances": [
                {
                  "currency": "USDC",
                  "balance": {
                    "currency": "USD",
                    "exponent": 2,
                    "value": "12345",
                    "displayValue": "123.45"
                  },
                  "chain": "ETHEREUM"
                }
              ]
            }
          ],
          "name": "Main Treasury",
          "provider": "INFINITE"
        }
      ]
    },
    "verificationSessions": [
      {
        "id": "vs_abc123",
        "status": "COMPLETED",
        "createdAt": "2026-01-15T10:30:00Z",
        "completedAt": "2026-01-15T11:00:00Z",
        "progressPercentage": 100
      }
    ]
  },
  "sweepTargetAccount": "<unknown>",
  "counterparty": {
    "id": "cp_abc123",
    "name": "Jane Doe",
    "beneficiaryType": "INDIVIDUAL",
    "createdAt": "2023-11-07T05:31:56Z",
    "updatedAt": "2023-11-07T05:31:56Z",
    "address": {
      "addressLine1": "123 Main Street",
      "city": "San Francisco",
      "postalCode": "94102",
      "country": "US",
      "addressLine2": "Apt 4B",
      "state": "CA",
      "transliterated": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 4B",
        "city": "Beijing",
        "state": "Hebei"
      }
    }
  }
}

POST

balance-accounts

CLI

# Requires: npm i -g @infinite_dev/cli && export INFINITE_API_KEY=sk_sandbox_...
# Escape hatch for any endpoint: infinite api <METHOD> <path>
infinite api POST /v1/balance-accounts \
  --body '<request-json>'

import requests

url = "https://sandbox.api.infinite.dev/v1/balance-accounts"

payload = {
    "customerId": "cus_abc123",
    "product": "STANDARD",
    "externalReference": "550e8400-e29b-41d4-a716-446655440000",
    "metadata": { "nickname": "Operating balance" }
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    customerId: 'cus_abc123',
    product: 'STANDARD',
    externalReference: '550e8400-e29b-41d4-a716-446655440000',
    metadata: {nickname: 'Operating balance'}
  })
};

fetch('https://sandbox.api.infinite.dev/v1/balance-accounts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox.api.infinite.dev/v1/balance-accounts",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customerId' => 'cus_abc123',
    'product' => 'STANDARD',
    'externalReference' => '550e8400-e29b-41d4-a716-446655440000',
    'metadata' => [
        'nickname' => 'Operating balance'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox.api.infinite.dev/v1/balance-accounts"

	payload := strings.NewReader("{\n  \"customerId\": \"cus_abc123\",\n  \"product\": \"STANDARD\",\n  \"externalReference\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"metadata\": {\n    \"nickname\": \"Operating balance\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox.api.infinite.dev/v1/balance-accounts")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"cus_abc123\",\n  \"product\": \"STANDARD\",\n  \"externalReference\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"metadata\": {\n    \"nickname\": \"Operating balance\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox.api.infinite.dev/v1/balance-accounts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"cus_abc123\",\n  \"product\": \"STANDARD\",\n  \"externalReference\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"metadata\": {\n    \"nickname\": \"Operating balance\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "vba_1234567890abcdef",
  "customerId": "cust_abc123",
  "type": "VIRTUAL_BANK",
  "status": "ACTIVE",
  "createdAt": "2026-01-15T10:00:00Z",
  "updatedAt": "2026-01-15T10:00:00Z",
  "externalReference": "550e8400-e29b-41d4-a716-446655440000",
  "bankDetails": {
    "accountNumber": "1234567890",
    "routingNumber": "021000021",
    "iban": "GB82WEST12345698765432",
    "swiftCode": "CHASUS33",
    "bankName": "JPMorgan Chase Bank",
    "bankCountryCode": "US",
    "bankAddress": {
      "addressLine1": "270 Park Avenue",
      "addressLine2": "Floor 10",
      "city": "New York",
      "state": "NY",
      "postalCode": "10017",
      "country": "US"
    },
    "beneficiaryName": "John Smith",
    "beneficiaryPhone": "+14155550123",
    "beneficiaryAddress": {
      "addressLine1": "123 Main Street",
      "addressLine2": "Suite 100",
      "city": "New York",
      "state": "NY",
      "postalCode": "10001",
      "country": "US"
    },
    "supportedNetworks": [
      "ACH",
      "WIRE"
    ]
  },
  "walletDetails": {
    "walletAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "addressType": "EVM",
    "chains": [
      "ETHEREUM",
      "BASE"
    ],
    "walletType": "TREASURY",
    "sweepTargetAccountId": "eba_1234567890abcdef"
  },
  "currencyCodes": [
    "USD",
    "USDC"
  ],
  "virtualBankAccount": {
    "id": "vba_1234567890abcdef",
    "depositInstructions": {
      "bankName": "JPMorgan Chase Bank",
      "bankAddress": {
        "addressLine1": "270 Park Avenue",
        "addressLine2": "Floor 10",
        "city": "New York",
        "state": "NY",
        "postalCode": "10017",
        "country": "US"
      },
      "accountNumber": "1234567890",
      "routingNumber": "021000021",
      "iban": "GB82WEST12345698765432",
      "swiftBic": "CHASUS33",
      "bankCountryCode": "US",
      "beneficiaryName": "John Doe",
      "beneficiaryAddress": {
        "addressLine1": "270 Park Avenue",
        "addressLine2": "Floor 10",
        "city": "New York",
        "state": "NY",
        "postalCode": "10017",
        "country": "US"
      }
    },
    "developerFeeFixed": "100000",
    "developerFeePercent": 0.01,
    "sourceRail": "ACH",
    "sourceCurrency": "USD",
    "destinationRail": "BASE",
    "destinationCurrency": "USDC",
    "sweepTargetAccountId": "ewa_1234567890abcdef",
    "originCapable": true,
    "originAccountId": "vba_1234567890abcdef"
  },
  "virtualWallet": {
    "id": "vw_1234567890abcdef",
    "state": "ACTIVE",
    "destinationCurrency": "USD",
    "destinationRail": "ACH",
    "sweepTargetAccountId": "eba_1234567890abcdef",
    "originCapable": false,
    "originAccountId": "vwa_1234567890abcdef"
  },
  "proxyDetails": {
    "aliasType": "phone",
    "aliasValue": "+5511912345678",
    "paymentRail": "pix",
    "beneficiaryName": "John Smith",
    "beneficiaryType": "INDIVIDUAL"
  },
  "isThirdParty": false,
  "counterpartyId": "cp_abc123",
  "referenceId": "550e8400-e29b-41d4-a716-446655440000",
  "originCapable": true,
  "originAccountId": "vba_1234567890abcdef",
  "metadata": {
    "nickname": "Main Checking Account",
    "purpose": "Business operations",
    "tags": [
      "primary",
      "operations"
    ]
  },
  "created": true,
  "holdsBalance": true,
  "paymentRail": "ETHEREUM",
  "lastSentAt": "2024-01-15T10:30:00Z",
  "lastReceivedAt": "2024-01-15T10:30:00Z",
  "customer": {
    "id": "<string>",
    "customerName": "<string>",
    "organizationId": "<string>",
    "type": "INDIVIDUAL",
    "status": "DRAFT",
    "createdAt": "2026-01-15T10:00:00Z",
    "updatedAt": "2026-01-15T10:00:00Z",
    "email": "<string>",
    "countryCode": "AD",
    "imageUrl": "<string>",
    "requestedCapabilities": [
      "USD_ACH_PAYIN"
    ],
    "capabilities": [
      {
        "capability": "USD_WIRE_PAYIN",
        "status": "READY"
      }
    ],
    "customerDetails": {
      "firstName": "John",
      "lastName": "Smith",
      "middleName": "Michael",
      "transliteratedFirstName": "Li Ming",
      "transliteratedMiddleName": "Wen",
      "transliteratedLastName": "Wang",
      "dateOfBirth": "1990-01-15",
      "nationality": "US",
      "taxResidenceCountry": "GB",
      "phone": "+14155551234",
      "occupation": "151252",
      "employmentStatus": "EMPLOYED",
      "sourceOfIncome": "SALARY",
      "sourceOfFundsDescription": "<string>"
    },
    "associatedEntities": [
      {
        "id": "asp_abc123",
        "createdAt": "2026-01-15T10:30:00Z",
        "updatedAt": "2026-01-15T10:30:00Z",
        "entityType": "BUSINESS",
        "hasOwnership": true,
        "hasControl": true,
        "parentEntityId": "asp_parent123",
        "details": {
          "firstName": "John",
          "nickname": "Johnny",
          "lastName": "Doe",
          "middleName": "Michael",
          "dateOfBirth": "1985-03-15",
          "taxResidenceCountry": "GB",
          "transliteratedFirstName": "<string>",
          "transliteratedMiddleName": "<string>",
          "transliteratedLastName": "<string>",
          "taxIdentificationDocumentType": "UTR"
        },
        "countryCode": "US",
        "email": "contact@acmeholdings.com",
        "phone": "+14155551234",
        "address": {
          "addressLine1": "123 Main Street",
          "city": "San Francisco",
          "postalCode": "94102",
          "country": "US",
          "addressLine2": "Apt 4B",
          "state": "CA",
          "transliterated": {
            "addressLine1": "123 Main Street",
            "addressLine2": "Apt 4B",
            "city": "Beijing",
            "state": "Hebei"
          }
        },
        "ownershipPercentage": 51,
        "isSigner": false,
        "isDirector": false,
        "role": "CEO",
        "title": "Managing Director",
        "documents": [
          "doc_abc123"
        ],
        "attestedOwnershipStructureAt": "2026-01-15T10:30:00Z",
        "displayName": "Acme Holdings LLC",
        "verificationLink": {
          "sessionId": "vsess_abc123",
          "verificationUrl": "https://verify.infinite.dev/?sessionId=vsess_abc123",
          "expiresAt": "2026-01-09T10:30:00Z",
          "status": "ACTIVE"
        }
      }
    ],
    "addresses": [
      {
        "addressLine1": "123 Main Street",
        "city": "San Francisco",
        "postalCode": "94102",
        "country": "US",
        "addressLine2": "Apt 4B",
        "state": "CA",
        "transliterated": {
          "addressLine1": "123 Main Street",
          "addressLine2": "Apt 4B",
          "city": "Beijing",
          "state": "Hebei"
        },
        "label": "HOME",
        "isDefault": true
      }
    ],
    "missingRequirements": [
      {
        "requirementType": "FIELD",
        "key": "businessData.taxIdentificationNumber",
        "displayName": "Tax Identification Number"
      },
      {
        "requirementType": "DOCUMENT",
        "key": "ownership.ownership_structure",
        "displayName": "Ownership Information"
      }
    ],
    "accounts": [
      "<array>"
    ],
    "documents": [
      {
        "id": "doc_abc123",
        "organizationId": "org_xyz789",
        "customerId": "cus_abc123",
        "documentType": "INVOICE",
        "fileName": "invoice-2026-001.pdf",
        "contentType": "application/pdf",
        "sizeBytes": 1024000,
        "status": "UPLOADED",
        "createdAt": "2023-11-07T05:31:56Z",
        "transferId": "txn_xyz789",
        "documentSubtype": "BANK_STATEMENT",
        "remarks": "<string>",
        "fileHash": "<string>",
        "downloadUrl": "<string>",
        "uploadedAt": "2023-11-07T05:31:56Z",
        "associatedEntityId": "<string>"
      }
    ],
    "treasury": {
      "customerId": "cus_abc123",
      "treasuries": [
        {
          "id": "trs_abc123",
          "balances": {},
          "fundingMethods": [
            {
              "id": "vba_abc123",
              "type": "BANK_ACCOUNT",
              "provider": "INFINITE",
              "currency": "USD",
              "currencyCodes": [
                "USDC"
              ],
              "rail": "ACH",
              "rails": [
                "ACH",
                "WIRE"
              ],
              "bankName": "Infinite Bank",
              "beneficiaryName": "Acme Treasury",
              "accountNumber": "1234567890",
              "routingNumber": "021000021",
              "iban": "GB82WEST12345698765432",
              "swiftBic": "CHASUS33",
              "address": "0x1234567890abcdef1234567890abcdef12345678",
              "addressType": "EVM",
              "chains": [
                "ETHEREUM",
                "BASE"
              ]
            }
          ],
          "wallets": [
            {
              "accountId": "inw_abc123",
              "address": "0x1234567890abcdef1234567890abcdef12345678",
              "addressType": "EVM",
              "balances": [
                {
                  "currency": "USDC",
                  "balance": {
                    "currency": "USD",
                    "exponent": 2,
                    "value": "12345",
                    "displayValue": "123.45"
                  },
                  "chain": "ETHEREUM"
                }
              ]
            }
          ],
          "name": "Main Treasury",
          "provider": "INFINITE"
        }
      ]
    },
    "verificationSessions": [
      {
        "id": "vs_abc123",
        "status": "COMPLETED",
        "createdAt": "2026-01-15T10:30:00Z",
        "completedAt": "2026-01-15T11:00:00Z",
        "progressPercentage": 100
      }
    ]
  },
  "sweepTargetAccount": "<unknown>",
  "counterparty": {
    "id": "cp_abc123",
    "name": "Jane Doe",
    "beneficiaryType": "INDIVIDUAL",
    "createdAt": "2023-11-07T05:31:56Z",
    "updatedAt": "2023-11-07T05:31:56Z",
    "address": {
      "addressLine1": "123 Main Street",
      "city": "San Francisco",
      "postalCode": "94102",
      "country": "US",
      "addressLine2": "Apt 4B",
      "state": "CA",
      "transliterated": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 4B",
        "city": "Beijing",
        "state": "Hebei"
      }
    }
  }
}

Authorizations

Authorization

string

header

required

API Key in Bearer format (e.g., Bearer sk_test_...)

Headers

X-API-Key

string

API key

Idempotency-Key

string

Optional idempotency key. When supplied, a retry with the same key replays the original response (24h TTL) instead of being rejected as a duplicate.

Body

application/json

customerId

string

required

Customer ID

Example:

"cus_abc123"

product

enum<string>

Balance product. STANDARD holds fiat USD. YIELD holds a reserve-backed token that can earn configurable yield. Defaults to STANDARD.

Available options:

STANDARD,

YIELD

Example:

"STANDARD"

externalReference

string

Client-provided external reference

Example:

"550e8400-e29b-41d4-a716-446655440000"

metadata

object

Additional metadata

Show child attributes

Example:

{ "nickname": "Operating balance" }

Response

Balance account created successfully

string

required

Account ID (vba_xxx for virtual bank, vwa_xxx for virtual wallet, inb_xxx for infinite bank, inw_xxx for infinite wallet, eba_xxx for external bank, ewa_xxx for external wallet, pba_xxx for provider balance)

Example:

"vba_1234567890abcdef"

customerId

string

required

Customer ID

Example:

"cust_abc123"

type

enum<string>

required

Account type

Available options:

VIRTUAL_BANK,

VIRTUAL_WALLET,

INFINITE_BANK,

INFINITE_WALLET,

EXTERNAL_BANK,

EXTERNAL_WALLET,

EXTERNAL_PROXY,

PROVIDER_BALANCE

Example:

"VIRTUAL_BANK"

status

enum<string>

required

Account status

Available options:

IN_REVIEW,

ACTIVE,

CLOSED

Example:

"ACTIVE"

createdAt

string<date-time>

required

Account creation date

Example:

"2026-01-15T10:00:00Z"

updatedAt

string<date-time>

required

Account last update date

Example:

"2026-01-15T10:00:00Z"

externalReference

string

Client-provided external reference for mapping to your system

Example:

"550e8400-e29b-41d4-a716-446655440000"

bankDetails

object

Bank account details (for bank accounts)

Show child attributes

walletDetails

object

Wallet details (for wallet accounts)

Show child attributes

currencyCodes

string[]

Currency codes supported by this account

Example:

["USD", "USDC"]

virtualBankAccount

object

Virtual bank account details

Show child attributes

virtualWallet

object

Virtual wallet details (also known as liquidation addresses)

Show child attributes

proxyDetails

object

Proxy account details (for proxy/alias-based accounts like PIX, UPI, PromptPay)

Show child attributes

isThirdParty

boolean

Is this account owned by a third party?

Example:

false

counterpartyId

string | null

Counterparty ID when this is a third-party recipient account

Example:

"cp_abc123"

referenceId

string

Client-provided reference ID

Example:

"550e8400-e29b-41d4-a716-446655440000"

originCapable

boolean | null

Whether this account can be used as the canonical transfer origin.

Example:

true

originAccountId

string | null

Canonical origin account ID when this account is a virtual alias.

Example:

"vba_1234567890abcdef"

metadata

object

Additional metadata

Show child attributes

created

boolean

Whether this account was newly created in this request. Returns false if an existing account was returned (idempotent behavior).

Example:

true

holdsBalance

boolean

Present and true when this is a balance account (USD or stablecoin). Deposits credit the account instead of being swept, and the balance can fund transfers. See GET /v1/accounts/{id}/balance.

Example:

true

paymentRail

string

Payment rail for provider balance accounts (e.g. ETHEREUM). Omitted for other account types.

Example:

"ETHEREUM"

lastSentAt

string<date-time>

Timestamp of the last transfer sent from this account

Example:

"2024-01-15T10:30:00Z"

lastReceivedAt

string<date-time>

Timestamp of the last transfer received to this account

Example:

"2024-01-15T10:30:00Z"

customer

object

Expanded customer details (only included when expand=customer)

Show child attributes

sweepTargetAccount

any

Expanded sweep target account details (only included when expand=sweepTargetAccount). For virtual bank accounts and virtual wallets that sweep to an external account.

counterparty

object

Expanded counterparty details (only included when expand=counterparty)

Show child attributes