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curl --request PATCH \
  --url https://api.daya.co/v1/funding-accounts/750e8400-e29b-41d4-a716-446655440000/settlement-destination \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: update-funding-account-001' \
  --data '{
    "type": "ONCHAIN",
    "destination_asset": "USDC",
    "destination_chain": "BASE",
    "destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
  }'

curl --request PATCH \
  --url https://api.daya.co/v1/funding-accounts/750e8400-e29b-41d4-a716-446655440000/settlement-destination \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: update-funding-account-001' \
  --data '{
    "type": "ONCHAIN",
    "destination_asset": "USDC",
    "destination_chain": "BASE",
    "destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
  }'

​
Overview

Rotate the active settlement destination for a permanent active funding account. This operation does not create new payment details.

​
Authentication

​
X-Api-Key
string
required
Your merchant API key
​
X-Idempotency-Key
string
required
Unique idempotency key for request deduplication

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Path Parameters

​
id
string
required
Funding account ID.

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Request Body

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type
string
required
Settlement destination type. Allowed values depend on the funding account rail; see the matrix below.
​
destination_asset
string
Required for NGN_VIRTUAL_ACCOUNT funding accounts when type is ONCHAIN.
​
destination_chain
string
Required for NGN_VIRTUAL_ACCOUNT funding accounts when type is ONCHAIN.
​
destination_address
string
Required for NGN_VIRTUAL_ACCOUNT funding accounts when type is ONCHAIN.

​
Allowed settlement destination types

This endpoint only updates permanent active funding accounts. The rail comes from the funding account identified by id; do not send rail in this request.
Funding account railAllowed type values
NGN_VIRTUAL_ACCOUNTINTERNAL_BALANCE, ONCHAIN
CRYPTO_ADDRESSINTERNAL_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

destination_bank is a nested object. Do not send dotted keys such as destination_bank.account_number.
FieldTypeRequired
account_numberstringYes, for CRYPTO_ADDRESS funding accounts when type is NGN_PAYOUT.
bank_codestringYes, for CRYPTO_ADDRESS funding accounts when type is NGN_PAYOUT.
Before sending destination_bank, fetch supported banks with GET /v1/banks, then verify the account with POST /v1/banks/resolve. Use the verified bank_code and account_number in this request. Daya returns the resolved account_name in the funding account response.
rate_id is rejected for permanent funding accounts.

​
Destination Shapes

Internal balance (NGN virtual account or crypto address)
{
  "type": "INTERNAL_BALANCE"
}
NGN virtual account to onchain settlement
{
  "type": "ONCHAIN",
  "destination_asset": "USDC",
  "destination_chain": "BASE",
  "destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
}
Crypto address to NGN payout settlement
{
  "type": "NGN_PAYOUT",
  "destination_bank": {
    "account_number": "0123456789",
    "bank_code": "058"
  }
}

​
Request Example

Update NGN virtual account to onchain settlement
curl --request PATCH \
  --url https://api.daya.co/v1/funding-accounts/750e8400-e29b-41d4-a716-446655440000/settlement-destination \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: update-funding-account-001' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "ONCHAIN",
    "destination_asset": "USDC",
    "destination_chain": "BASE",
    "destination_address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18"
  }'

​
Response

Returns the funding account object with the new active settlement destination.