Supported currencies
Virtual accounts can be issued in NGN, USD, GBP, EUR, and other supported currencies depending on the organization’s jurisdiction and KYB status.Account types
| Type | Description |
|---|---|
| Currency account | Org-level fiat account (e.g., NGN, USD) |
| Internal bank account | User’s external bank account linked for withdrawals |
| Internal crypto account | User’s external wallet linked for crypto flows |
Balance fields
Each account carries two balance values:balance— available balance (cleared funds)ledger_balance— total balance including pending transactions
Providers
Virtual account issuance is routed through providers (SquadCo, Sarepay, Bridge) depending on currency and region. Provider selection is handled automatically by PCX.Full virtual accounts API reference will be added as the virtual-accounts-service spec is generated.