> ## Documentation Index > Fetch the complete documentation index at: https://apidocs.bridge.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Remittances 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. Remittances.png *** ## Step 1: Generate your API Keys Head over to [**dashboard.bridge.xyz**](https://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](/get-started/introduction/quick-start/create-your-first-customer) for a full in depth explanation on onboarding customers. The below example walks you through using a KYC link to onboard your customer. ```bash Request theme={null} curl --location --request POST 'https://api.bridge.xyz/v0/kyc_links' \ --header 'Content-Type: application/json' \ --header 'Api-Key: ' \ --header 'Idempotency-Key: ' \ --data-raw '{ "full_name": "John Doe", "email": "johndoe@example.com", "type": "individual" }' ``` ```json Response theme={null} { "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: 1. Visiting the `tos_link` and accepting terms of service 2. 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. ```bash Request theme={null} curl --request POST \ --url https://api.bridge.xyz/v0/customers//wallets \ --header 'Api-Key: ' \ --header 'Idempotency-Key: ' \ --header 'Content-Type: application/json' \ --data-raw '{ "chain": "solana" }' ``` ```json Response theme={null} { "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](/get-started/guides/wallets/overview) 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-reference/virtual-accounts/create-a-virtual-account) 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. ```bash Request theme={null} curl --location --request POST 'https://api.bridge.xyz/v0/customers//virtual_accounts' \ --header 'Content-Type: application/json' \ --header 'Api-Key: ' \ --header '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%. }' ``` ```json Response theme={null} { "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" } } ``` ```bash Request theme={null} curl --location --request POST 'https://api.bridge.xyz/v0/customers//virtual_accounts' \ --header 'Content-Type: application/json' \ --header 'Api-Key: ' \ --header '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%. }' ``` ```json Response theme={null} { "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" } } ``` ```bash Request theme={null} curl --location --request POST 'https://api.bridge.xyz/v0/customers//virtual_accounts' \ --header 'Content-Type: application/json' \ --header 'Api-Key: ' \ --header '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%. }' ``` ```json Response theme={null} { "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" } } ``` ```bash Request theme={null} curl --location --request POST 'https://api.bridge.xyz/v0/customers//virtual_accounts' \ --header 'Content-Type: application/json' \ --header 'Api-Key: ' \ --header '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%. }' ``` ```json Response theme={null} { "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" } } ``` ```bash Request theme={null} curl --location --request POST 'https://api.bridge.xyz/v0/customers//virtual_accounts' \ --header 'Content-Type: application/json' \ --header 'Api-Key: ' \ --header '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%. }' ``` ```json Response theme={null} { "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" } } ``` ### Sharing Deposit Instructions 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. ```bash Request theme={null} 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. ```bash Request theme={null} curl -X GET 'https://api.bridge.xyz/v0/customers//card_accounts/' \ --header 'Api-Key: ' ``` ```json Response theme={null} { "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](/get-started/guides/cards/spend) for more information on setting up cards!