Generate a Virtual Account

Alfred’s virtual accounts are local depository accounts that allow businesses to collect payments in local currencies across Latin America. These accounts provide fast, transparent, and compliant settlement rails — enabling businesses to operate locally without setting up local entities.

Once you have created a customer, the moment they complete their KYC and are approved - a virtual account will automatically be generated in the available geographies. Once approved, you can consult to GET Retrieve Virtual Account with the customerID . This will consult the Virtual account information generated for that customer.

In order to receive deposits into alfred's generated virtual accounts you must register a "liquidation address,” this is a permanent payment route which ties an alfred Virtual account to a blockchain address. If the destination payment rail is any of our supported chains, the funds are promptly sent upon receipt.

Virtual Account example in Argentina:

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/virtual-account/6e3dd476-1ea0-458d-9394-e4e99d16d51c' \
--header 'Content-Type: application/json' \
--header 'accept: /' \
--header 'api-key: ***' \
--header 'api-secret: ***'

{
  "id": 115,
  "CVU":1234567890123456789012 // 22 Digit CVU
	"accountId": 2,
}

{
  "id": 115,
  "Clabe":1234567890123456789012 // 18 Digit CLABE
	"accountId": 2,
}

Create a New Liquidation Address

curl --request POST \  
  \--url https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/liquidation-addresses/d4c64bf5-f373-4d8a-afe9-98a66f084787 \
  \--header 'Content-Type: application/json' \
  \--header 'accept: */*' \
  \--header 'api-key: alfredpay.3kievYX/8Np29gkoTt~9NhhwhksoaoDt' \
  \--header 'api-secret: Fk/Dlo48b6nP4~Ez-+20T_xc8+9GIhu+' \
  \--data '{
   "chain": "XLM",
   "currency": "USDC",
   "address": "GBLJYDV5E2DRB5X4JG3DVOG3I2BUJ2UPVFBPNLYVDNVGYEER2ZWIPRNE",
   "default": true,
   "memo": "TRANSACTION_001"
}'

Sample Response

{  
  "id": "f4991dbf-2a58-4246-9576-aa49c99d435b",
  "chain": "XLM",
  "currency": "USDC",
  "address": "GBLJYDV5E2DRB5X4JG3DVOG3I2BUJ2UPVFBPNLYVDNVGYEER2ZWIPRNE",
  "default": true,
  "memo": "TRANSACTION_001",
  "createdAt": "2025-07-29T16:21:03.210Z"
}