The virtual account object

A virtual account is a set of bank details Kira opens for one user. Money sent to those details arrives as a deposit, and what the account does with it — hold it as fiat, or convert and forward it — is fixed when you create the account. Most fields on this object are filled in by the bank, not by you, so an account read straight after creation carries very little. The bank details arrive when the bank assigns them, and until then they are null.

Example

{
  "id": "11111111-2222-3333-4444-555555555555",
  "user_id": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
  "status": "deactivated",
  "type": "US_BANK",
  "bank": "austin_capital_trust",
  "mode": "fiat",
  "destination": null,
  "source_deposit_instructions": {
    "currency": "usd",
    "bank_name": "Example Bank National Association",
    "bank_account_number": "1000000001",
    "bank_routing_number": "000000001",
    "bank_beneficiary_name": "Northwind Trading LLC"
  },
  "payment_methods": {
    "inbound": [ { "name": "WIRE", "status": "active" } ],
    "outbound": [ { "name": "WIRE", "status": "active" } ]
  },
  "description": "Operating account",
  "markup": { "wire_fixed_fee": "1.50", "inbound_variable_fee_pct": "0.25" },
  "metadata": {},
  "created_at": "2026-09-01T12:00:00.000Z",
  "updated_at": "2026-09-01T12:00:00.000Z"
}

What the account is

Field	Type	Description
`id`	string, uuid	The account’s identifier.
`user_id`	string, uuid	The user that owns the account.
`status`	string	Where the account is in its lifecycle. Values
`type`	string	The kind of account.
`bank`	string or `null`	Which bank the account runs on, and with it the rail. Values
`mode`	string	What the account does with a deposit. Values
`description`	string	The label you set at creation. Absent when you set none.
`status_reason`	string	Why the account sits in its current status, in the bank’s own words. Free text: show it, do not branch on it.
`created_at`	string, date-time	When the account was created, ISO 8601.
`updated_at`	string, date-time	When the account last changed, ISO 8601.
`metadata`	object	Key-value pairs you attached. `{}` when you attached none — see Metadata.

Where money goes

Field	Type	Description
`destination`	object or `null`	Where a `crypto`-mode deposit is forwarded. `null` on a `fiat`-mode account. Currency · Network
`source_deposit_instructions`	object or `null`	The bank details a payer sends money to. `null` until the bank assigns them.
`payment_methods`	object or `null`	Which rails the account takes money on and pays out on, as `inbound` and `outbound` lists. Status values
`methods`	object or `null`	The same value as `payment_methods`.

methods and payment_methods are two names for one value, both returned on every read. Pick one and use it everywhere.

The flattened bank details

The bank details repeated at the top level, projected from the deposit instructions the account holds. All of them are null until the bank assigns the account.

Field	Type	Description
`account_holder_name`	string or `null`	Who the payment must be made out to.
`account_number`	string or `null`	The account number a payer sends to.
`routing_number`	string or `null`	The routing number a payer sends to.
`bank_name`	string or `null`	The bank holding the account.
`bank_address`	string or `null`	That bank’s postal address.
`account_holder_address`	string or `null`	The beneficiary’s postal address.

Your fees

Field	Type	Description
`markup`	object	The fees you charge on this account, each a decimal string. Absent when none are set.

Every amount in markup is a string, not a number — "1.50", not 1.50. Parse it as a decimal rather than a float.

Across the API

Authentication

Versioning

Users

Virtual Accounts

Recipients

Quotations

Payouts

Catalogs

RFIs

The virtual account object

Example

What the account is

Where money goes

The flattened bank details

Your fees

​Example

​What the account is

​Where money goes

​The flattened bank details

​Your fees

Example

What the account is

Where money goes

The flattened bank details

Your fees