Remittances - Bridge

Enable senders to pay recipients globally by creating a virtual account for the sender and a wallet for the recipient. Fiat deposits into the sender’s virtual account are converted to stablecoins and sent to the recipient’s wallet.

Step 1: Generate your API Keys

Head over to dashboard.bridge.xyz. Once logged in, click on the “API Keys” tab on the top menu bar and generate a new API key. Bridge will make your API key available only once, so make sure to immediately copy and save the key safely and securely.

Your key is used to authenticate into our APIs and is highly sensitive. If it ever gets compromised, you can immediately revoke key access from our dashboard and generate a new key.

Step 2: Onboard a customer

Create a customer ID for each sender initiating a payment. Customers will need to accept our terms of service and complete KYC. Check out this guide for a full in depth explanation on onboarding customers. The below example walks you through using a KYC link to onboard your customer.

Request

curl --location --request POST 'https://api.bridge.xyz/v0/kyc_links' \
--header 'Content-Type: application/json' \
--header 'Api-Key: <API Key>' \
--header 'Idempotency-Key: <generate a uuid>' \
--data-raw '{
  "full_name": "John Doe",
  "email": "johndoe@example.com",
  "type": "individual"
}'

Response

{
  "id": "uuid",
  "full_name": "John Doe",
  "email": "johndoe@example.com",
  "type": "individual", // or "business"
  "kyc_link": "https://bridge.withpersona.com/verify?",
  "tos_link": "https://dashboard.bridge.xyz/accept-terms-of-service?",
  "kyc_status": "not_started", // or "under_review", "incomplete", "approved" or "rejected"
  "rejection_reasons": [],
  "tos_status": "pending", // or "approved"
  "created_at": "2025-07-16T18:28:25.970Z",
  "customer_id": "customer_id",
  "persona_inquiry_type": "gov_id_db"
}

Guide the user through:

Visiting the tos_link and accepting terms of service
Completing identity verification via the kyc_link

This process typically takes less than a minute and updates automatically once complete.

Step 3: Create a wallet

Create a wallet for the recipient to receive funds from the sender. The below example explains how to create a Bridge wallet associated with a customer object.

Request

curl --request POST \
     --url https://api.bridge.xyz/v0/customers/<customer_id>/wallets \
     --header 'Api-Key: <API Key>' \
     --header 'Idempotency-Key: <Unique-Key>' \
     --header 'Content-Type: application/json' \
     --data-raw '{
       "chain": "solana"
     }'

Response

{
  "id": "wallet_123",
  "chain": "solana",
  "address": "4oG1sWkP8vcrnhbkzZc1m9RTT2VUjZHKx92qiVFK7FuZ",
  "created_at": "2025-07-15T18:00:00Z"
}

Use the bridge_wallet_id when referencing the wallet in other Bridge APIs.

Check out this guide for more information on using Bridge wallets.

Step 4: Create a virtual account

Create a USD or EUR account for the sender. Provide them with the bank instructions so they can deposit funds. Deposits are converted to stablecoins and sent to their wallet. Use the Virtual Accounts API to provision permanent fiat deposit addresses for your customers. You define the source currency for the account and configure the destination to specify where Bridge should deliver the converted funds. Bridge handles the fiat-to-crypto conversion and sends the funds on-chain automatically.

Request

curl --location --request POST 'https://api.bridge.xyz/v0/customers/<customer_id>/virtual_accounts' \
--header 'Content-Type: application/json' \
--header 'Api-Key: <Api-Key>' \
--header 'Idempotency-Key: <Unique Idempotency Key>' \
--data-raw '{
  # The source object specifies a USD virtual account.
  "source": {
    "currency": "usd",
  },
  # The destination object instructs Bridge where to send the USD deposits to.
  # Bridge will automatically handle converting and sending USD to the crypto destination. 
  "destination": {
    "payment_rail": "ethereum",
    "currency": "usdc",
    "address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
  },
  # You can specifcy an optional developer fee to monetize on transactions.
  "developer_fee_percent": "1.0" // 1%.
}'

Response

{
    "id": "1a400dae-f7fc-4f75-8105-212a14d4132d",
    "status": "activated",
    "developer_fee_percent": "1.0",
    "customer_id": "23c2d200-4c00-4c5a-b31a-00d035d7e0ae",
    "created_at": "2025-07-04T22:10:34.564Z",
    "source_deposit_instructions": {
        "currency": "usd",
        "bank_name": "Lead Bank",
        "bank_address": "1801 Main St., Kansas City, MO 64108",
        "bank_routing_number": "101019644",
        "bank_account_number": "215268120000",
        "bank_beneficiary_name": "Ada Lovelace",
        "bank_beneficiary_address": "923 Folsom Street, 302, San Francisco, California 941070000, US",
        "payment_rail": "ach_push",
        "payment_rails": [
            "ach_push",
            "wire"
        ]
    },
    "destination": {
        "currency": "usdc",
        "payment_rail": "ethereum",
        "address": "0x3f5ce5fbfe3e9af3971dd833d26ba9b5c936f0be"
    }
}

Request

curl --location --request POST 'https://api.bridge.xyz/v0/customers/<customer_id>/virtual_accounts' \
--header 'Content-Type: application/json' \
--header 'Api-Key: <Api-Key>' \
--header 'Idempotency-Key: <Unique Idempotency Key>' \
--data-raw '{
  # The source object specifies a SEPA virtual IBAN.
  "source": {
    "currency": "eur",
  },
  # The destination object instructs Bridge where to send the EURO deposits to.
  # Bridge will automatically handle converting and sending EURO to the crypto destination. 
  "destination": {
    "payment_rail": "ethereum",
    "currency": "usdc",
    "address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
  },
  # You can specifcy an optional developer fee to monetize on transactions.
  "developer_fee_percent": "1.0" // 1%.
}'

Response

{
    "id": "393c6358-4c19-4cb7-bbfa-d4a56be58309",
    "status": "activated",
    "developer_fee_percent": "1.0",
    "customer_id": "23c2d200-4c00-4c5a-b31a-00d035d7e0ae",
    "created_at": "2025-07-04T22:07:18.701Z",
    "source_deposit_instructions": {
        "currency": "eur",
        "iban": "IE90MODR14035307970528",
        "bic": "MODRIE00XXX",
        "account_holder_name": "Bridge Building Sp.z.o.o.",
        "bank_name": "Modulr Finance, Ireland Branch",
        "bank_address": "Floor 6, 2 Grand Canal Square, Dublin, Ireland",
        "payment_rail": "sepa",
        "payment_rails": [
            "sepa"
        ]
    },
    "destination": {
        "currency": "usdc",
        "payment_rail": "ethereum",
        "address": "0x3f5ce5fbfe3e9af3971dd833d26ba9b5c936f0be"
    }
} 

Request

curl --location --request POST 'https://api.bridge.xyz/v0/customers/<customer_id>/virtual_accounts' \
--header 'Content-Type: application/json' \
--header 'Api-Key: <Api-Key>' \
--header 'Idempotency-Key: <Unique Idempotency Key>' \
--data-raw '{
  # The source object specifies a MXN virtual account.
  "source": {
    "currency": "mxn",
  },
  # The destination object instructs Bridge where to send the MXN deposits to.
  # Bridge will automatically handle converting and sending MXN to the crypto destination. 
  "destination": {
    "payment_rail": "ethereum",
    "currency": "usdc",
    "address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
  },
  # You can specifcy an optional developer fee to monetize on transactions.
  "developer_fee_percent": "1.0" // 1%.
}'

Response

{
    "id": "35334433-dcee-48e8-bdc8-90171234ad00",
    "status": "activated",
    "developer_fee_percent": "1.0",
    "customer_id": "23c2d200-4c00-4c5a-b31a-00d035d7e0ae",
    "created_at": "2025-07-04T22:13:29.481Z",
    "source_deposit_instructions": {
        "currency": "mxn",
        "clabe": "568980546701071234",
        "account_holder_name": "Ada Lovelace",
        "payment_rails": [
            "spei"
        ]
    },
    "destination": {
        "currency": "usdc",
        "payment_rail": "ethereum",
        "address": "0x3f5ce5fbfe3e9af3971dd833d26ba9b5c936f0be"
    }
}

Request

curl --location --request POST 'https://api.bridge.xyz/v0/customers/<customer_id>/virtual_accounts' \
--header 'Content-Type: application/json' \
--header 'Api-Key: <Api-Key>' \
--header 'Idempotency-Key: <Unique Idempotency Key>' \
--data-raw '{
"source": {
"currency": "brl",
},
# The destination object instructs Bridge where to send the BRL deposits to.
# Bridge will automatically handle converting and sending USDC to the crypto destination. 
"destination": {
"payment_rail": "ethereum",
"currency": "usdc",
"address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
},
# You can specify an optional developer fee to monetize transactions.
"developer_fee_percent": "1.0" // 1%.
}'

Response

{
  "id": "6e6ab621-6749-401f-b598-0c709c241696",
  "status": "activated",
  "developer_fee_percent": "0.0",
  "customer_id": "eeafff4b-2dbe-41f2-9444-a6e228aee975",
  "created_at": "2025-09-03T16:10:31.446Z",
  "source_deposit_instructions": {
    "currency": "brl",
    "br_code": "00020126770014br.gov.bcb.pix01366e6ab621-6749-401f-b598-0c709c2416960215Edson_Arantes5204000053039865802BR5914Bridge_Example6009Sao_Paulo622905256beca3e77fdd489289aa1daeb630416E9",
    "account_holder_name": "Edson Arantes do Nascimento",
    "payment_rails": [
      "pix"
    ]
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "ethereum",
    "address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
  }
}

Request

curl --location --request POST 'https://api.bridge.xyz/v0/customers/<customer_id>/virtual_accounts' \
--header 'Content-Type: application/json' \
--header 'Api-Key: <Api-Key>' \
--header 'Idempotency-Key: <Unique Idempotency Key>' \
--data-raw '{
"source": {
"currency": "gbp",
},
# The destination object instructs Bridge where to send the GBP deposits to.
# Bridge will automatically handle converting and sending USDC to the crypto destination. 
"destination": {
"payment_rail": "ethereum",
"currency": "usdc",
"address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
},
# You can specify an optional developer fee to monetize transactions.
"developer_fee_percent": "1.0" // 1%.
}'

Response

{
  "id": "6e6ab621-6749-401f-b598-0c709c241696",
  "status": "activated",
  "developer_fee_percent": "0.0",
  "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
  "created_at": "2026-01-03T00:23:23.724Z",
  "source_deposit_instructions": {
    "currency": "brl",
    "account_number": "12345678",
    "sort_code": "123456",
    "account_holder_name": "Bridge Building Sp. Z.o.o.",
    "bank_name": "Banking Circle S.A.",
    "bank_address": "2 Boulevard de la Foire, L-1528 Luxembourg",
    "bank_beneficiary_name": "Bridge Building Sp. Z.o.o.",
    "bank_beneficiary_address": "2 Boulevard de la Foire, L-1528 Luxembourg",
    "payment_rails": [
      "faster_payments"
    ]
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "ethereum",
    "address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE"
  }
}

Once a Virtual Account is created, use the source_deposit_instructions object in the response to share the fiat deposit details with your customer. Funds sent to those details will be automatically converted and delivered to the crypto destination you specified.

Step 5: Explore Cards

Enable users to spend their stablecoin balances locally. The below API example provision a card tied to a Bridge wallet.

Request

curl --request POST \
     --url https://api.bridge.xyz/v0/customers/customerID/card_accounts \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
  "currency": "usdb",
  "chain": "solana",
  "crypto_account": {
    "type": "bridge_wallet",
    "address": "4oG1sWkP8vcrnhbkzZc1m9RTT2VUjZHKx92qiVFK7FuZ"
  }
}'

Retrieve card details

Access card metadata, expiration, and access a secure image of the card.

Request

curl -X GET 'https://api.bridge.xyz/v0/customers/<customerID>/card_accounts/<cardAccountID>' \
--header 'Api-Key: <API Key>'

Response

{
  "id": "XXX-YYY",
  "status": "active",
  "card_image_url": "https://...",
  "card_details": {
    "last_4": "1264",
    "expiry": "10/24",
    "bin": "44325280"
  }
}

You can now share these card details with your customer to start spending!

Check our guide here for more information on setting up cards!

​Step 1: Generate your API Keys

​Step 2: Onboard a customer

​Step 3: Create a wallet

​Step 4: Create a virtual account

​Sharing Deposit Instructions

​Step 5: Explore Cards

​Retrieve card details

Step 1: Generate your API Keys

Step 2: Onboard a customer

Step 3: Create a wallet

Step 4: Create a virtual account

Sharing Deposit Instructions

Step 5: Explore Cards

Retrieve card details