> ## Documentation Index
> Fetch the complete documentation index at: https://docs.daya.co/llms.txt
> Use this file to discover all available pages before exploring further.
# Create a funding account
> Create a way for a customer to send NGN or crypto into Daya
```bash Create NGN funding account theme={null}
curl --request POST \
--url https://api.daya.co/v1/funding-accounts \
--header 'Content-Type: application/json' \
--header 'X-Api-Key: YOUR_API_KEY' \
--header 'X-Idempotency-Key: create-funding-account-001' \
--data '{
"type": "TEMPORARY",
"rail": "NGN_VIRTUAL_ACCOUNT",
"customer": {
"customer_id": "650e8400-e29b-41d4-a716-446655440000"
},
"currency": "NGN",
"amount": 50000,
"developer_fee": {
"percentage": "2.5"
},
"settlement_destination": {
"type": "ONCHAIN",
"rate_id": "550e8400-e29b-41d4-a716-446655440000",
"destination_asset": "USDC",
"destination_chain": "BASE",
"destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
}
}'
```
```bash Create crypto funding account theme={null}
curl --request POST \
--url https://api.daya.co/v1/funding-accounts \
--header 'Content-Type: application/json' \
--header 'X-Api-Key: YOUR_API_KEY' \
--header 'X-Idempotency-Key: create-funding-account-002' \
--data '{
"type": "PERMANENT",
"rail": "CRYPTO_ADDRESS",
"customer": {
"customer_id": "650e8400-e29b-41d4-a716-446655440000"
},
"asset": "USDC",
"chain": "BASE",
"settlement_destination": {
"type": "INTERNAL_BALANCE"
}
}'
```
## Overview
Create a funding account for an existing customer. The response includes the public funding account object and the payment details the customer can use once setup succeeds.
`customer.customer_id` is required. This endpoint does not create customers inline.
## Authentication
Your merchant API key
Unique idempotency key for request deduplication
## Request Body
Funding account type. Allowed values: `TEMPORARY`, `PERMANENT`.
Receive rail. Allowed values: `NGN_VIRTUAL_ACCOUNT`, `CRYPTO_ADDRESS`.
Existing customer details. Include `customer_id`. For permanent NGN virtual accounts, the customer must have completed Tier 1 KYC.
Required for `NGN_VIRTUAL_ACCOUNT`. Must be `NGN`.
Required for `CRYPTO_ADDRESS`. Supported values: `USDC`, `USDT`.
Required for `CRYPTO_ADDRESS`.
Required for temporary NGN virtual accounts. Accepted only for `TEMPORARY` accounts.
Optional fee that your merchant account keeps from each deposit received through this funding account. Omit to use `0%`.
Percentage of each received deposit that your merchant account keeps. Use a decimal string from `0` to `50`. This is a percentage value, not basis points: `0.5` means `0.5%`, `2` means `2%`, and `50` means `50%`.
**Example:** `"2.5"`
### `settlement_destination`
`settlement_destination` is a nested object. Do not send dotted keys such as `settlement_destination.type`.
| Field | Type | Required when |
| --------------------- | ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `type` | string | Always. Allowed values depend on the funding account `rail` and `type`; see the matrix below. |
| `rate_id` | string | Required for temporary funding accounts that use a quoted conversion: temporary `NGN_VIRTUAL_ACCOUNT` accounts settling to `INTERNAL_BALANCE` or `ONCHAIN`, and temporary `CRYPTO_ADDRESS` accounts settling through `NGN_PAYOUT`. Do not send it for permanent accounts. |
| `destination_asset` | string | `rail` is `NGN_VIRTUAL_ACCOUNT` and `type` is `ONCHAIN`. Supported values: `USDC`, `USDT`. |
| `destination_chain` | string | `rail` is `NGN_VIRTUAL_ACCOUNT` and `type` is `ONCHAIN`. |
| `destination_address` | string | `rail` is `NGN_VIRTUAL_ACCOUNT` and `type` is `ONCHAIN`. |
| `destination_bank` | object | `rail` is `CRYPTO_ADDRESS` and `type` is `NGN_PAYOUT`. Fixed request shape: `account_number`, `bank_code`. |
#### Allowed settlement destination types
| `rail` | Funding account `type` | Allowed `settlement_destination.type` values |
| --------------------- | ---------------------- | -------------------------------------------- |
| `NGN_VIRTUAL_ACCOUNT` | `TEMPORARY` | `INTERNAL_BALANCE`, `ONCHAIN` |
| `NGN_VIRTUAL_ACCOUNT` | `PERMANENT` | `INTERNAL_BALANCE`, `ONCHAIN` |
| `CRYPTO_ADDRESS` | `TEMPORARY` | `NGN_PAYOUT` |
| `CRYPTO_ADDRESS` | `PERMANENT` | `INTERNAL_BALANCE`, `NGN_PAYOUT` |
Do not send `NGN_PAYOUT` for `NGN_VIRTUAL_ACCOUNT` funding accounts, and do not send `ONCHAIN` for `CRYPTO_ADDRESS` funding accounts.
#### `destination_bank`
| Field | Type | Required |
| ---------------- | ------ | -------- |
| `account_number` | string | Yes |
| `bank_code` | string | Yes |
Before sending `destination_bank`, fetch supported banks with [`GET /v1/banks`](/api-reference/banks/list-banks), then verify the account with [`POST /v1/banks/resolve`](/api-reference/banks/resolve-bank-account). Use the verified `bank_code` and `account_number` in the funding account request. Do not send `account_name`; Daya returns the resolved account name in the funding account response.
## Settlement Destination Shapes
```json Internal balance theme={null}
{
"settlement_destination": {
"type": "INTERNAL_BALANCE",
"rate_id": "550e8400-e29b-41d4-a716-446655440000"
}
}
```
For temporary funding accounts, `rate_id` is required and the rate is locked for the temporary account's validity window. For permanent funding accounts, omit `rate_id`; the rate is applied when each deposit is processed.
```json NGN virtual account to onchain settlement theme={null}
{
"settlement_destination": {
"type": "ONCHAIN",
"rate_id": "550e8400-e29b-41d4-a716-446655440000",
"destination_asset": "USDC",
"destination_chain": "BASE",
"destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
}
}
```
```json Crypto address to NGN payout settlement theme={null}
{
"settlement_destination": {
"type": "NGN_PAYOUT",
"rate_id": "550e8400-e29b-41d4-a716-446655440000",
"destination_bank": {
"account_number": "0123456789",
"bank_code": "058"
}
}
}
```
For `NGN_PAYOUT`, `destination_bank` has a fixed request shape: `account_number` and `bank_code`. Get the supported bank first, resolve the account, then send the verified details.
## Request Examples
```json NGN temporary to onchain theme={null}
{
"type": "TEMPORARY",
"rail": "NGN_VIRTUAL_ACCOUNT",
"customer": {
"customer_id": "650e8400-e29b-41d4-a716-446655440000"
},
"currency": "NGN",
"amount": 50000,
"developer_fee": {
"percentage": "2.5"
},
"settlement_destination": {
"type": "ONCHAIN",
"rate_id": "550e8400-e29b-41d4-a716-446655440000",
"destination_asset": "USDC",
"destination_chain": "BASE",
"destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
}
}
```
```json Crypto permanent to balance theme={null}
{
"type": "PERMANENT",
"rail": "CRYPTO_ADDRESS",
"customer": {
"customer_id": "650e8400-e29b-41d4-a716-446655440000"
},
"asset": "USDC",
"chain": "BASE",
"settlement_destination": {
"type": "INTERNAL_BALANCE"
}
}
```
## Response
Returns a `funding_account` object. For NGN funding accounts, the bank account the customer should pay into is returned in `instructions`.
```json NGN funding account response theme={null}
{
"object": "funding_account",
"id": "750e8400-e29b-41d4-a716-446655440000",
"type": "TEMPORARY",
"status": "ACTIVE",
"rail": "NGN_VIRTUAL_ACCOUNT",
"customer_id": "650e8400-e29b-41d4-a716-446655440000",
"currency": "NGN",
"amount": 50000,
"developer_fee": {
"percentage": "2.5"
},
"settlement_destination": {
"type": "ONCHAIN",
"rate_id": "550e8400-e29b-41d4-a716-446655440000",
"destination_asset": "USDC",
"destination_chain": "BASE",
"destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
},
"instructions": [
{
"type": "NGN_VIRTUAL_ACCOUNT",
"status": "ACTIVE",
"bank_name": "Wema Bank",
"bank_code": "035",
"account_number": "1234567890",
"account_name": "Daya - Ada Lovelace",
"currency": "NGN"
}
],
"created_at": "2026-01-05T15:04:05Z",
"updated_at": "2026-01-05T15:04:10Z"
}
```
For crypto funding accounts, `asset` identifies the stablecoin the address should receive, `chain` identifies the network, and `instructions` contains the wallet address.