Deposit Accounts

Static deposit addresses and NGN virtual accounts per customer.

Open the interactive version or read this guide as markdown.

API reference

POST /api/v1/deposits/accounts: Create a deposit account
POST /api/v1/deposits/accounts/{id}/identities: Issue a deposit identity
GET /api/v1/deposits: List deposits

A deposit account gives one customer a fixed place to send you money again and again: a permanent crypto address on each blockchain, and a bank account number for fiat transfers. The customer reuses the same details for every payment, and CoinCircuit detects each deposit, ties it to that customer, and credits it to your balance.

How deposit accounts work: each account issues static crypto addresses and an NGN virtual account, and every deposit is routed to your balance

How it works

Create a deposit account with POST /api/v1/deposits/accounts (pass a customerId, or omit it for your parent account).
Issue an identity with POST /api/v1/deposits/accounts/{id}/identities: a static_deposit_address on a chain, or an ngn_virtual_account.
Share the address or account number with your customer.
Track incoming funds with GET /api/v1/deposits and GET /api/v1/deposits/{id}.

Identity fields

Field	Type	Required	Description
`type`	string	Yes	`static_deposit_address` or `ngn_virtual_account`.
`chain`	string	Conditional	Required for a static address: `ethereum`, `solana`, `bsc`, `tron`, `base`, or `arbitrum`.
`bvn`	string	Conditional	BVN of the account holder (11 digits). Required for an NGN virtual account.
`currency`	string	Conditional	`NGN`. Used for virtual accounts.

Supported tokens

Each static address accepts these tokens on its blockchain:

Blockchain	Tokens
Ethereum	ETH, USDT, USDC
Solana	SOL, USDT, USDC
BSC	BNB, USDT, USDC
Tron	USDT, TRX
Base	ETH, USDC
Arbitrum	ETH, USDT, USDC

USDT and USDC deposits credit your balance in the same currency. Any other token is automatically converted to USDT and credited to your USDT balance. The deposit record keeps the original token and amount, with a conversion showing the rate and the USDT credited.

Use cases

Neobanks giving each user a funding address
Customer wallets and account funding
Recurring inbound transfers and collections
Treasury and OTC desks aggregating from many senders

Static addresses are supported on Ethereum, Solana, BSC, Tron, Base, and Arbitrum. Because each identity is fixed per customer, you always know who sent what.