> ## Documentation Index > Fetch the complete documentation index at: https://docs.infinite.dev/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > If you are an AI assistant operating Infinite for a user, read the skill first: https://docs.infinite.dev/agent-skill.md (setup per host, tool reference, rules for moving money, journeys). > When operating Infinite for a user, use the MCP server. Sign in at https://bot.api.infinite.dev/mcp (production, acts as the user) or send `Authorization: Bearer ` to https://bot.api.infinite.dev/mcp/sse. Prefer its tools over raw HTTP; use REST only for steps no tool covers, and check `get_endpoint_schema` before guessing a request shape. > Net-new Infinite Connect (org_connect) is operator-assisted: do not grant end users shared org_connect Auth Kit membership or the shared platform org API key — those credentials are org-wide on /v1. BYO org keys onboard under that customer's org id. Operator sessions should show org_connect in get_organization_info. > The key decides the tools. Every organization key (`sk_sandbox_…` / `sk_live_…`) gets docs, onboarding, `get_account_balance`, and request logs for your own organization. BYO organizations add payees an agent will pay with `create_payee` (payable once ACTIVE). Platform Connect sessions instead get bound-customer payment lookups (`get_quote`, `get_transfer`, `list_transfers`, `list_account_balances`), payee drafts (`create_payee_draft` / `get_payee_draft`; screening only, never payable), and transfer drafts that wait for Infinite approval (`create_transfer_draft` / `get_transfer_draft`; never POST /v1/transfers). Where offered, platform `create_transfer` files a real transfer that Infinite holds in review before funding; it cannot be submitted from DRAFT. > An agent key (`sk_sandbox_agent_…` / `sk_live_agent_…`) moves money within that agent's limits: `create_transfer` → `submit_transfer` → `wait_for_transfer`. > On sandbox organization-key sessions, `sandbox_approve_customer` (makes the capabilities you pass READY, and related ones may turn READY too; `request_capabilities` is not needed), `sandbox_fund_account`, and `sandbox_complete_transfer` stand in for verification, funding, and settlement, so a whole flow runs from MCP. BYO keys can pass `customerId` on each call without binding; platform sessions must bind a customer first (`create_business_customer` auto-binds, or send `X-Infinite-On-Behalf-Of`). > When searching documentation without a key, use the docs MCP at https://docs.infinite.dev/mcp. > Start in sandbox (https://sandbox.api.infinite.dev). Do not use production unless the user explicitly asks. > Confirm amount, currency, and payee with the user before any payment is submitted. Pass the invoice number as `reference` on `create_transfer`; the summary says what the payee will see. > REST amounts are integer minor units (`"4000"` = 40.00 USD). MCP payment tools take exact decimal strings (`"40.00"`). Never mix them. > Agent denials return `403 { denial: { code, message, window, limit, used, remaining, attemptedAmount, currency }, hint }` with decimal amounts; per-transfer denials omit `used` and `remaining`. Report them to the user; do not work around them. # Create a virtual bank account fixed route > Creates a virtual bank account that automatically sweeps fiat deposits. Route type (FIAT_TO_CRYPTO, FIAT_TO_FIAT, or FIAT_TO_CRYPTO_TO_FIAT) is inferred from the sweep target account type. Set depositMatching to DEDICATED for a unique account number, or REFERENCE for a shared account number plus a payment reference. Use the Idempotency-Key header to safely retry on network failure. ## OpenAPI ````yaml post /v1/fixed-routes/virtual-bank-accounts openapi: 3.0.0 info: title: Infinite API description: API for Infinite version: '1.0' contact: {} servers: - url: https://sandbox.api.infinite.dev description: Sandbox - url: https://api.infinite.dev description: Production security: [] tags: - name: Accounts description: Virtual and external account management - name: Customers description: Customer identity management - name: Documents description: Document upload and management - name: Fixed Routes description: Fixed route management - name: External Bank Accounts description: External bank account management - name: External Wallets description: External wallet management - name: Infinite Wallets description: Infinite Wallet management - name: Organizations description: Organization management - name: Quotes description: Quote creation and management - name: Transfers description: Money movement and transaction tracking - name: Verification description: Identity verification workflows - name: Terms of Service description: Terms of Service acceptance - name: Health description: System health and monitoring - name: Sandbox description: Sandbox utilities paths: /v1/fixed-routes/virtual-bank-accounts: post: tags: - fixed-routes summary: Create a virtual bank account fixed route description: >- Creates a virtual bank account that automatically sweeps fiat deposits. Route type (FIAT_TO_CRYPTO, FIAT_TO_FIAT, or FIAT_TO_CRYPTO_TO_FIAT) is inferred from the sweep target account type. Set depositMatching to DEDICATED for a unique account number, or REFERENCE for a shared account number plus a payment reference. Use the Idempotency-Key header to safely retry on network failure. operationId: FixedRoutesController_createVba_v1 parameters: - name: X-API-Key in: header description: API key required: false schema: type: string - name: Idempotency-Key required: false in: header description: >- Optional idempotency key. When supplied, a retry with the same key replays the original response (24h TTL) instead of being rejected as a duplicate. schema: type: string requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateVbaFixedRouteDto' responses: '201': description: Fixed route created successfully content: application/json: schema: $ref: '#/components/schemas/FixedRouteResponseDto' '401': description: Unauthorized - Invalid or missing authentication credentials '409': description: >- An enabled route with the same source, destination, and sweep target already exists for this customer. security: - bearer: [] x-codeSamples: - lang: bash label: CLI source: >- # Requires: npm i -g @infinite_dev/cli && export INFINITE_API_KEY=sk_sandbox_... # Escape hatch for any endpoint: infinite api infinite api POST /v1/fixed-routes/virtual-bank-accounts \ --body '' - lang: text label: MCP source: >- Create a virtual bank account fixed route. # Infinite MCP is read-only for this endpoint — use a dedicated MCP tool when one exists, otherwise run the CLI tab. components: schemas: CreateVbaFixedRouteDto: type: object properties: correspondentBankName: type: string description: Correspondent/intermediary bank name example: Bank of America maxLength: 200 correspondentBankSwiftCode: type: string description: Correspondent/intermediary bank SWIFT/BIC code (8 or 11 characters) example: IRVTUS3NXXX correspondentAccountNumber: type: string description: Correspondent/intermediary account number example: '9876543210' maxLength: 64 customerId: type: string description: Customer ID example: cus_abc123 braleAutomationId: type: string description: >- Optional. Existing Brale automation id (admin / advanced). When omitted, the API creates a wire onramp automation after registering the settlement wallet on Brale. onrampSettlementInwAccountId: type: string description: >- Optional. TRANSACTION Infinite Wallet for on-chain settlement (Ethereum). When omitted, one is created or reused for the customer. onrampPayoutTreasuryInwAccountId: type: string description: >- Optional. TRANSACTION Infinite Wallet on the receive chain for post-settlement payout when the receive chain is not Ethereum. When omitted, one is created or reused. example: inw_tron_tx sweepTargetAccountId: type: string description: >- Sweep / destination account id; the route type is inferred from it. A crypto wallet, or an ACTIVE provider-balance account (USDT on Ethereum) when the organization is enabled for provider-balance onramps, gives FIAT_TO_CRYPTO (developer fees are not supported on a provider-balance target). The customer's own fiat balance account gives FIAT_TO_FIAT: the deposit settles into that balance in the same currency with no crypto leg, and destinationRail becomes BALANCE. That requires the pay-in and the balance to be on the same provider holding the fiat on dedicated coordinates, and rejects developer fees. An external bank account gives the FIAT_TO_CRYPTO_TO_FIAT sandwich. example: ewa_abc123 sourceRail: type: string description: Source rail - payment rail for incoming deposits enum: - ACH - ACH_SAME_DAY - WIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST - ETHEREUM - BASE - POLYGON - SOLANA - TRON - BITCOIN - ARBITRUM example: ACH sourceRails: type: array description: >- Optional list of inbound rails for a USD bank pay-in deposit account. Omit to accept ACH and wire. SWIFT is included only when listed. When sourceRail is sent instead, it is treated as a one-element list. Crypto deposit routes still use a single sourceRail. example: - ACH - WIRE items: type: string enum: - ACH - ACH_SAME_DAY - WIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST - ETHEREUM - BASE - POLYGON - SOLANA - TRON - BITCOIN - ARBITRUM depositMatching: type: string description: >- How incoming payments are matched to this deposit account. DEDICATED issues a unique account number and the sender does not include a payment reference. REFERENCE uses a shared account number and the sender must include sourceAccount.depositInstructions.reference on the payment (wire memo or ACH addenda). Omit to keep the default for the requested rails. USD ACH, wire, and SWIFT bank pay-ins only. enum: - DEDICATED - REFERENCE sourceCurrency: type: string description: Source currency for deposits example: USD destinationRail: type: string description: Destination rail - chain/network for crypto sweep enum: - ACH - ACH_SAME_DAY - WIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST - ETHEREUM - BASE - POLYGON - SOLANA - TRON - BITCOIN - ARBITRUM example: BASE destinationCurrency: type: string description: Destination currency to convert to example: USDC developerFeeFixed: type: string description: Fixed fee in minor units of source currency example: '100000' developerFeePercent: type: number description: Variable fee as decimal percentage (0.01 = 1%) example: 0.01 externalReference: type: string description: Client-provided external reference example: 550e8400-e29b-41d4-a716-446655440000 metadata: description: Additional metadata example: nickname: USD to Base deposits allOf: - $ref: '#/components/schemas/AccountMetadataDto' allowedSenderBanks: description: >- Allowed sender banks for deposits into this route. When set, deposits from sender banks not on this list are held for review instead of being processed automatically. Each entry must include at least one identifier. type: array items: $ref: '#/components/schemas/AllowedSenderBankDto' required: - customerId - sweepTargetAccountId FixedRouteResponseDto: type: object properties: id: type: string description: Fixed route ID (same as source account ID) example: vba_abc123 customerId: type: string example: cus_abc123 type: type: string enum: - FIAT_TO_CRYPTO - CRYPTO_TO_FIAT - CRYPTO_TO_CRYPTO - FIAT_TO_FIAT - FIAT_TO_CRYPTO_TO_FIAT example: FIAT_TO_CRYPTO status: type: string example: ACTIVE enabled: type: boolean description: >- Whether the fixed route is enabled. When false, deposits land but do not auto-sweep. example: true depositMatching: type: string description: >- How incoming payments are matched to this deposit account. DEDICATED issues a unique account number and the sender does not include a payment reference. REFERENCE uses a shared account number and the sender must include sourceAccount.depositInstructions.reference on the payment (wire memo or ACH addenda). Omit to keep the default for the requested rails. USD ACH, wire, and SWIFT bank pay-ins only. enum: - DEDICATED - REFERENCE metadata: description: Custom metadata for the fixed route account, including nickname allOf: - $ref: '#/components/schemas/AccountMetadataDto' sourceAccount: $ref: '#/components/schemas/SourceAccountDto' destinationCurrency: type: string example: USDC destinationRail: type: string example: BASE sweepTargetAccountId: type: string description: ID of the account funds are swept to example: ewa_abc123 sweepTargetAccount: description: Sweep target account details (only when expand=sweepTargetAccount) allOf: - $ref: '#/components/schemas/SweepTargetAccountDto' developerFeeFixed: type: string description: Fixed fee in minor units of source currency example: '100000' developerFeePercent: type: number description: Variable fee as decimal percentage (0.01 = 1%) example: 0.01 refundAccountId: type: string description: >- Customer wallet account ID (inw_xxx or ewa_xxx) for refunds on failed transfers or when fees exceed deposit example: inw_abc123 correspondentBank: description: Correspondent/intermediary bank details (when applicable) nullable: true type: object allOf: - $ref: '#/components/schemas/FixedRouteCorrespondentBankDto' allowedSenderBanks: description: >- Allowed sender banks for deposits into this route. When set, deposits from sender banks not on this list are held for review instead of being processed automatically. nullable: true type: array items: $ref: '#/components/schemas/AllowedSenderBankDto' documentIds: description: >- Standing supporting agreement document ID applied to transfers created by this route. maxItems: 1 nullable: true type: array items: type: string minimumAmount: description: >- Minimum deposit amount for this route. Deposits below this floor are held instead of swept. This is a preview based on the stored route configuration; the validate endpoint returns the authoritative floor at submission time. allOf: - $ref: '#/components/schemas/MoneyOutputDto' sharesBalanceAccountCoordinates: type: boolean description: >- Whether this route's deposit coordinates are shared with a USD balance account. When true, the route and a balance account are mutually exclusive for the customer — one must be closed/disabled before the other can be created or re-enabled. Only bank pay-in routes on the balance-account provider qualify (ACH, WIRE, or SWIFT); crypto routes and payout routes are always false. example: false createdAt: format: date-time type: string updatedAt: format: date-time type: string required: - id - customerId - type - status - enabled - sourceAccount - sweepTargetAccountId - sharesBalanceAccountCoordinates - createdAt - updatedAt AccountMetadataDto: type: object properties: nickname: type: string description: Account nickname example: Main Checking Account maxLength: 256 purpose: type: string description: Account purpose example: Business operations maxLength: 512 tags: description: Account tags example: - primary - operations type: array items: type: string AllowedSenderBankDto: type: object properties: bankName: type: string description: >- Sender bank name. Matched ignoring case, whitespace, and punctuation. example: JPMorgan Chase maxLength: 200 routingNumber: type: string description: Sender bank routing number (e.g. US ABA). Matched on digits only. example: '021000021' swiftBic: type: string description: Sender bank SWIFT/BIC code (8 or 11 characters) example: CHASUS33 SourceAccountDto: type: object properties: id: type: string example: vba_abc123 type: type: string enum: - VIRTUAL_BANK - VIRTUAL_WALLET - INFINITE_BANK - INFINITE_WALLET - EXTERNAL_BANK - EXTERNAL_WALLET - EXTERNAL_PROXY - PROVIDER_BALANCE example: VIRTUAL_BANK metadata: description: Custom metadata for the source account, including nickname allOf: - $ref: '#/components/schemas/AccountMetadataDto' depositInstructions: $ref: '#/components/schemas/BankDepositInstructions' sourceCurrency: type: string example: USD sourceRail: type: string example: ACH sourceRails: description: >- Inbound rails accepted by this deposit account. Omitted when the route stores a single rail only. example: - ACH - WIRE type: array items: type: string walletAddress: type: string example: '0x742d35Cc6529Cf6c6D06E4C8a4c07583F5C6C2d8' addressType: type: string example: EVM chains: type: array items: type: string example: - ETHEREUM - BASE walletType: type: string enum: - TREASURY - TRANSACTION - VIRTUAL description: >- Infinite wallet subtype when source is INFINITE_WALLET (e.g. VIRTUAL for dedicated offramp deposit wallets) required: - id - type SweepTargetAccountDto: type: object properties: id: type: string example: ewa_abc123 type: type: string enum: - VIRTUAL_BANK - VIRTUAL_WALLET - INFINITE_BANK - INFINITE_WALLET - EXTERNAL_BANK - EXTERNAL_WALLET - EXTERNAL_PROXY - PROVIDER_BALANCE example: EXTERNAL_WALLET isThirdParty: type: boolean description: Whether the sweep target belongs to a third party example: false metadata: description: Custom metadata for the sweep target account, including nickname allOf: - $ref: '#/components/schemas/AccountMetadataDto' walletAddress: type: string example: '0x742d35Cc6529Cf6c6D06E4C8a4c07583F5C6C2d8' addressType: type: string example: EVM chains: type: array items: type: string example: - ETHEREUM - BASE accountNumber: type: string example: '****7890' routingNumber: type: string example: '021000021' bankName: type: string example: Bank of America required: - id - type - isThirdParty FixedRouteCorrespondentBankDto: type: object properties: name: type: string description: Bank name nullable: true swiftCode: type: string description: SWIFT/BIC code example: IRVTUS3NXXX nullable: true accountNumber: type: string description: Account number example: '9876543210' nullable: true MoneyOutputDto: type: object properties: currency: type: string description: Currency code example: USD exponent: type: number description: >- Number of decimal places for this currency (e.g., 2 for USD, 6 for USDC) example: 2 value: type: string description: Amount in smallest unit as a string example: '12345' displayValue: type: string description: Human-readable decimal value example: '123.45' required: - currency - exponent - value - displayValue BankDepositInstructions: type: object properties: bankName: type: string example: JPMorgan Chase Bank bankAddress: nullable: true type: object allOf: - $ref: '#/components/schemas/BankAddressDto' accountNumber: type: string example: '1234567890' routingNumber: type: string example: '021000021' iban: type: string example: GB82WEST12345698765432 swiftBic: type: string example: CHASUS33 bankCountryCode: type: string example: US reference: type: string description: >- Payment reference the sender includes so a shared deposit account can be matched to one route. Omitted when the account number is unique. example: REF-123456 depositMessage: type: string example: INV-2026-0001 beneficiaryName: type: string example: John Doe beneficiaryAddress: nullable: true type: object allOf: - $ref: '#/components/schemas/BankAddressDto' required: - accountNumber BankAddressDto: type: object properties: addressLine1: type: string description: Address line 1 (optional for bank addresses) example: 123 Main Street maxLength: 1024 addressLine2: type: string description: Address line 2 (apartment, suite, etc.) example: Apt 4B maxLength: 1024 city: type: string description: City example: San Francisco maxLength: 256 state: type: string description: State / Province example: CA maxLength: 256 postalCode: type: string description: Postal code / ZIP code (optional for bank addresses) example: '94102' maxLength: 50 country: type: string description: Country code (ISO 3166-2) example: US minLength: 2 maxLength: 2 securitySchemes: bearer: scheme: bearer bearerFormat: API Key type: http description: API Key in Bearer format (e.g., Bearer sk_test_...) ```` ## Related topics - [Fixed Routes](/concepts/fixed-routes.md) - [Create a virtual wallet fixed route](/api-reference/fixed-routes/create-a-virtual-wallet-fixed-route.md) - [List fixed routes for a customer](/api-reference/customers/list-fixed-routes-for-a-customer.md) - [Accounts](/concepts/accounts.md) - [Update a fixed route](/api-reference/fixed-routes/update-a-fixed-route.md)