Virtual Accounts

One shared account, many customers

With Virtual Accounts, deposits reconcile automatically, and wires and instant payments work the way customers expect.

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One shared account, many customers

With Virtual Accounts, deposits reconcile automatically, and wires and instant payments work the way customers expect.

Before

Shared omnibus account

Deposits land in one shared, unnamed master account

Reconciliation depends on a memo-code field

A missing or mistyped code means lost or delayed funds

Wires are rarely offered

International wires can't be accepted at all

No reliable way to know whose money is whose

With Virtual Accounts

zerohash Virtual Accounts

Each customer gets their own named account and routing number

Deposits reconcile automatically with no memo code needed

Every deposit is tied to a verified, named account holder

Wires (first-party) and instant payments (RTP/FedNow) are supported

Funds can be accepted from abroad, wherever zerohash is licensed to operate

Available for individuals and business (NNP) customers

QR Code / Address Exposed

User copies 42-character address manually
Must select correct chain themselves
No control over source of funds
Can't block deposits from mixers/unknown wallets
No account ownership verification
Compliance teams rely on post-hoc analysis

zerohash AUTH

Authenticate directly with source account
Chain/network abstracted away entirely
Platform controls which sources are allowed
Whitelist custodial exchanges only (if desired)
KYC-to-account matching
Industry-leading compliance depth

IMPACT

Give every customer a dedicated money experience

Remove the reconciliation burden of a shared account, and extend reach into markets you aren't licensed in yourself.

Launch direct deposit, wires, and instant payments without building bank integrations

Eliminate manual reconciliation on a shared omnibus account

Accept customer funds in jurisdictions where your platform isn’t licensed, using zerohash’s licensing

Support individuals and business (NNP) customers under one account type

FAQs
What is zerohash Virtual Accounts?
Virtual Accounts is infrastructure that lets zerohash issue a named account and routing number, at a partner bank, for each of a platform's customers, individuals and businesses alike.
Which banks and currencies are supported?
Virtual Accounts are USD-denominated.
Do we need to build our own bank integration?
No. Virtual Accounts is API-only: zerohash handles account creation, account and routing number retrieval, deposit limits, balance, and the connecting endpoints for conversion or withdrawal. Platforms build their own front end.
How does settlement work?
Platforms set a settlement policy per account at creation: credit USD for later use, or auto-convert deposits to a stablecoin and pay out to an external wallet the platform or the customer specifies.
Can customers receive wires and instant payments?
Yes. Wires are supported for first-party transfers and are subject to standard bank cutoff times. RTP and FedNow move instantly, 24/7.
Can platforms accept funds from customers abroad?
Yes. The approved list of send-from countries is at parity with zerohash’s full list of permitted operating countries, for platforms onboarded to zerohash's U.S. entity.