---
title: "Create Fiat Account"
method: POST
path: "/transfer/fiat-accounts"
tags: ["Fiat Transfers"]
---

# Create Fiat Account

`POST /transfer/fiat-accounts`

Create an account to initiate a fiat withdrawal.

For U.S. wires, set `fiat_network_instructions` > `wire` > `routing_details` > `routing_number_type` to `ABA`. For international (SWIFT) wires, set `fiat_network_instructions` > `wire` > `routing_details` > `routing_number_type` to `SWIFT`.
For CUBIX, set `fiat_network_instructions` > `cubix` > `account_id`, and do not specify `routing_number_type`. For CUBIX, the `account_id` is the CUBIX account ID.

## Request body

- CreateFiatAccountRequest
  - `ref_id` string — The optional client-specified ID (for idempotence).
  - `identity_id` string — The Paxos Identity (`identity_id`) of the user's FiatAccount. Required only for customers with [3rd-Party integrations](https://docs.paxos.com/crypto-brokerage/ledger-type#fiat-and-crypto-subledger) initiating transfers on behalf of their end users.
  - `account_id` string — The Paxos Account (`account_id`) of the user's FiatAccount. Required only for customers with [3rd-Party integrations](https://docs.paxos.com/crypto-brokerage/ledger-type#fiat-and-crypto-subledger) initiating transfers on behalf of their end users.
  - `fiat_account_owner` FiatAccountOwner, required
    - `person_details` FiatAccountOwnerPersonDetails
      - `first_name` string, required
      - `last_name` string, required
    - `institution_details` FiatAccountOwnerInstitutionDetails
      - `name` string, required
  - `fiat_network_instructions` FiatNetworkInstructions, required
    - `wire` FiatNetworkInstructionsWire
      - `account_number` string, required — The FiatAccount owner's bank account number.
      - `fiat_account_owner_address` MailingAddress, required — A mailing address.
        - `country` string, required
        - `address1` string
        - `address2` string
        - `city` string
        - `province` string
        - `zip_code` string
      - `routing_details` FiatNetworkInstructionsWireRoutingDetails, required
        - `routing_number_type` 'ABA' | 'SWIFT', required
        - `routing_number` string, required — The routing number.
        - `bank_name` string, required — The name of the bank.
        - `bank_address` MailingAddress, required — A mailing address.
          - `country` string, required
          - `address1` string
          - `address2` string
          - `city` string
          - `province` string
          - `zip_code` string
      - `intermediary_routing_details` FiatNetworkInstructionsWireRoutingDetails
        - `routing_number_type` 'ABA' | 'SWIFT', required
        - `routing_number` string, required — The routing number.
        - `bank_name` string, required — The name of the bank.
        - `bank_address` MailingAddress, required — A mailing address.
          - `country` string, required
          - `address1` string
          - `address2` string
          - `city` string
          - `province` string
          - `zip_code` string
    - `cbit` FiatNetworkInstructionsCbit
      - `wallet_address` string, required — The wallet address of the CBIT account.
    - `dbs_act` FiatNetworkInstructionsDbsAct
      - `account_number` string, required — The account number of the DBS account.
    - `cubix` FiatNetworkInstructionsCubix
      - `account_id` string, required — The uuid account id of the CUBIX account.
    - `scb` FiatNetworkInstructionsScb
      - `account_number` string, required — The account number of the StandChart account.
    - `rtp` FiatNetworkInstructionsRtp
      - `account_number` string, required — The FiatAccount owner's bank account number.
      - `fiat_account_owner_address` MailingAddress — A mailing address.
        - `country` string, required
        - `address1` string
        - `address2` string
        - `city` string
        - `province` string
        - `zip_code` string
      - `routing_details` FiatNetworkInstructionsRtpRoutingDetails, required
        - `routing_number` string, required — The routing number.
        - `bank_name` string — The name of the bank.
        - `bank_address` MailingAddress — A mailing address.
          - `country` string, required
          - `address1` string
          - `address2` string
          - `city` string
          - `province` string
          - `zip_code` string
  - `metadata` object — Optional client-specified metadata. Up to 6 key/value pairs may be provided. Each key and value must be less than or equal to 100 characters.

## Response `200`

A successful response.

- FiatAccount
  - `id` string, required — The Paxos FiatAccount ID (UUID).
  - `ref_id` string — The optional client-specified ID (for idempotence).
  - `identity_id` string — The Paxos Identity (`identity_id`) of the user's FiatAccount.
  - `account_id` string — The Paxos Account (`account_id`) of the user's FiatAccount. Required only for customers with [3rd-Party integrations](https://docs.paxos.com/crypto-brokerage/ledger-type#fiat-and-crypto-subledger) initiating transfers on behalf of their end users.
  - `fiat_account_owner` FiatAccountOwner
    - `person_details` FiatAccountOwnerPersonDetails
      - `first_name` string, required
      - `last_name` string, required
    - `institution_details` FiatAccountOwnerInstitutionDetails
      - `name` string, required
  - `fiat_network_instructions` FiatNetworkInstructions, required
    - `wire` FiatNetworkInstructionsWire
      - `account_number` string, required — The FiatAccount owner's bank account number.
      - `fiat_account_owner_address` MailingAddress, required — A mailing address.
        - `country` string, required
        - `address1` string
        - `address2` string
        - `city` string
        - `province` string
        - `zip_code` string
      - `routing_details` FiatNetworkInstructionsWireRoutingDetails, required
        - `routing_number_type` 'ABA' | 'SWIFT', required
        - `routing_number` string, required — The routing number.
        - `bank_name` string, required — The name of the bank.
        - `bank_address` MailingAddress, required — A mailing address.
          - `country` string, required
          - `address1` string
          - `address2` string
          - `city` string
          - `province` string
          - `zip_code` string
      - `intermediary_routing_details` FiatNetworkInstructionsWireRoutingDetails
        - `routing_number_type` 'ABA' | 'SWIFT', required
        - `routing_number` string, required — The routing number.
        - `bank_name` string, required — The name of the bank.
        - `bank_address` MailingAddress, required — A mailing address.
          - `country` string, required
          - `address1` string
          - `address2` string
          - `city` string
          - `province` string
          - `zip_code` string
    - `cbit` FiatNetworkInstructionsCbit
      - `wallet_address` string, required — The wallet address of the CBIT account.
    - `dbs_act` FiatNetworkInstructionsDbsAct
      - `account_number` string, required — The account number of the DBS account.
    - `cubix` FiatNetworkInstructionsCubix
      - `account_id` string, required — The uuid account id of the CUBIX account.
    - `scb` FiatNetworkInstructionsScb
      - `account_number` string, required — The account number of the StandChart account.
    - `rtp` FiatNetworkInstructionsRtp
      - `account_number` string, required — The FiatAccount owner's bank account number.
      - `fiat_account_owner_address` MailingAddress — A mailing address.
        - `country` string, required
        - `address1` string
        - `address2` string
        - `city` string
        - `province` string
        - `zip_code` string
      - `routing_details` FiatNetworkInstructionsRtpRoutingDetails, required
        - `routing_number` string, required — The routing number.
        - `bank_name` string — The name of the bank.
        - `bank_address` MailingAddress — A mailing address.
          - `country` string, required
          - `address1` string
          - `address2` string
          - `city` string
          - `province` string
          - `zip_code` string
  - `status` 'PENDING' | 'APPROVED' | 'REJECTED', required
  - `metadata` object — Optional client-specified metadata. Up to 6 key/value pairs may be returned. Each key and value must be less than or equal to 100 characters.
  - `created_at` string, date-time, required — The time at which this FiatAccount was created.
  - `updated_at` string, date-time — The time at which this FiatAccount record was most recently updated.

## Other responses

- `400` — Bad Request
- `403` — Forbidden
- `404` — Not Found

---

[API](https://skmtc.net/paxos/apis/paxos-api.md) · [All operations](https://skmtc.net/paxos/apis/paxos-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/paxos/paxos-api/revisions/0687ca8c9a8d/schema)