Virtual Accounts

Issue named accounts for your customers

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

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A shared account
vs a named account

A shared account mixes every customer's money. A named account is issued to each customer.

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

Issue accounts to either individuals or business customers, in and outside of the US

Classic transfers are broken

Friction

Users scan QR codes or copy 42-character addresses and pick the chain, where one mistake can be irreversible.
Uncertainty
A wallet address is a destination which cannot be authenticated before an onchain transfer.

Imprecision

No control over which accounts send assets, and checks happen only after assets land.

AUTH by zerohash solves onchain transfers

Usability

AUTH links accounts and handles the chain, so users never scan a QR code or copy an address.

Trust

AUTH connects verified, user-permissioned accounts, authenticated by connected partners.

Control

AUTH clients choose which accounts, onchain assets and transfer types are supported, before any assets move.

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

Issue accounts to either individuals or business customers, in and outside of the US

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.