> ## Documentation Index > Fetch the complete documentation index at: https://docs.etherfuse.com/llms.txt > Use this file to discover all available pages before exploring further. # Create bank account (API) > Programmatically creates a new bank account for a customer using API-key authentication — no presigned URL required. The registration data (name, CURP, RFC, CLABE, etc.) is validated and sent to the payment processor. Bank accounts require verification before they can be used for transactions. **Sandbox:** submit `XEXX010101000` (personal) or `XEX010101000` (business) as the `rfc` to skip SPEI provider registration and have the account marked `compliant: true` immediately. The hosted onboarding UI uses these RFCs automatically — programmatic callers must opt in by passing them. Any other RFC in sandbox is sent to the SPEI provider's sandbox as a real registration and will not auto-approve. Both values are rejected in production. ## OpenAPI ````yaml /openapi.json post /ramp/customer/{customer_id}/bank-account openapi: 3.1.0 info: title: Etherfuse FX API description: Partner-facing ramp API for onramps, offramps, swaps, and KYC. license: name: Proprietary version: 1.0.0 servers: - url: https://api.sand.etherfuse.com description: Sandbox security: - ApiKeyAuth: [] tags: - name: Authentication description: >- Partner JWT authentication — exchange a JWT for an access token, or launch a user into the app. - name: Lookup description: >- Public reference data: exchange rates, stablebonds, bond costs, country codes. - name: Assets description: Rampable stablecoins and stablebonds available per blockchain. - name: Onboarding description: Hosted and programmatic customer onboarding. - name: Agreements description: Legal agreement acceptance during onboarding. - name: Bank Accounts description: Register and retrieve customer bank accounts. - name: Quotes description: Price quotes for onramps, offramps, and swaps. - name: Orders description: Create, track, and manage ramp orders. - name: Swaps description: Crypto-to-crypto swaps. - name: Sponsored description: Token approvals for sponsored (gasless) offramps. - name: Customers description: Customer (child-organization) records. - name: Wallets description: Register and manage customer wallets. - name: KYC description: Submit and check customer KYC status. - name: Webhooks description: Event notification subscriptions. - name: Organizations description: Organization identity, child orgs, and partner fees. paths: /ramp/customer/{customer_id}/bank-account: post: tags: - Bank Accounts summary: Create bank account (API) description: >- Programmatically creates a new bank account for a customer using API-key authentication — no presigned URL required. The registration data (name, CURP, RFC, CLABE, etc.) is validated and sent to the payment processor. Bank accounts require verification before they can be used for transactions. **Sandbox:** submit `XEXX010101000` (personal) or `XEX010101000` (business) as the `rfc` to skip SPEI provider registration and have the account marked `compliant: true` immediately. The hosted onboarding UI uses these RFCs automatically — programmatic callers must opt in by passing them. Any other RFC in sandbox is sent to the SPEI provider's sandbox as a real registration and will not auto-approve. Both values are rejected in production. operationId: api_create_bank_account parameters: - name: customer_id in: path description: >- The customer (child org) ID. Must belong to the caller's organization or a direct child. required: true schema: type: string format: uuid requestBody: content: application/json: schema: $ref: '#/components/schemas/ApiCreateBankAccountPayload' required: true responses: '201': description: The created bank account content: application/json: schema: $ref: '#/components/schemas/BankAccount' '400': description: Invalid request components: schemas: ApiCreateBankAccountPayload: type: object required: - account properties: account: $ref: '#/components/schemas/AccountRegistration' bankAccountId: type: - string - 'null' format: uuid label: type: - string - 'null' example: account: birthCountryIsoCode: MX birthDate: '19900515' clabe: '646180157000000004' curp: GALA900515MDFRPN08 firstName: Ana maternalLastName: López paternalLastName: García rfc: GALA900515AB1 transactionId: c3d4e5f6-a7b8-9012-cdef-123456789012 bankAccountId: e5f6a7b8-c9d0-1234-efab-345678901234 label: Ana's SPEI account BankAccount: type: object required: - bankAccountId - customerId - createdAt - updatedAt - currency - abbrClabe - compliant - needsWork - status properties: abbrClabe: type: string description: Abbreviated CLABE number for the bank account. deprecated: true bankAccountId: type: string format: uuid description: Unique identifier for the bank account. Must be a valid UUID v4. compliant: type: boolean description: >- Whether the bank account is compliant and can be used for orders. A bank becomes compliant once the customer completes the required identity verification (or the owning organization is approved). **While `false`, the customer must complete additional verification before the bank can be used** — launch them into the Identity verification flow (`scope: verification`, `target: /idv`); see [User launch flows](/guides/user-launch-flows#identity-verification). createdAt: type: string format: date-time description: Timestamp when the bank account was created. currency: type: string description: Settlement currency (ISO 4217, e.g. `MXN`). customerId: type: string format: uuid description: ID of the customer who owns this bank account. deletedAt: type: - string - 'null' format: date-time description: Timestamp when the bank account was deleted (if applicable). etherfuseDepositClabe: type: - string - 'null' description: Etherfuse deposit CLABE number. label: type: - string - 'null' description: Custom label for the bank account. needsWork: type: boolean description: >- Whether the bank account still needs work (e.g. failed verification) before it can be used for transactions. status: type: string description: Current status of the bank account. updatedAt: type: string format: date-time description: Timestamp when the bank account was last updated. example: abbrClabe: •••• 0004 bankAccountId: b2c3d4e5-f6a7-8901-bcde-f12345678901 compliant: true createdAt: '2026-05-01T14:30:00Z' currency: MXN customerId: a1b2c3d4-e5f6-7890-abcd-ef1234567890 etherfuseDepositClabe: '646180157000000004' label: Ana's SPEI account needsWork: false status: active updatedAt: '2026-05-02T09:15:00Z' AccountRegistration: oneOf: - oneOf: - $ref: '#/components/schemas/PersonalAccountRequest' title: Personal (MXN / SPEI) - oneOf: - $ref: '#/components/schemas/BusinessAccountRequest' title: Business (MXN / SPEI) - oneOf: - $ref: '#/components/schemas/BrlPersonalAccountRequest' title: Personal (BRL / PIX) - oneOf: - $ref: '#/components/schemas/BrlBusinessAccountRequest' title: Business (BRL / PIX) PersonalAccountRequest: type: object required: - transactionId - firstName - paternalLastName - maternalLastName - birthDate - curp - rfc - clabe properties: birthCountryId: type: - string - 'null' description: Numeric country code (legacy, e.g. "187" for Mexico) birthCountryIsoCode: type: - string - 'null' description: ISO 3166-1 alpha-2 code (preferred, e.g. "MX") birthDate: type: string description: Date of birth in `YYYYMMDD` format (8 digits, e.g. `19900515`). clabe: type: string curp: type: string firstName: type: string maternalLastName: type: string paternalLastName: type: string rfc: type: string description: The individual's RFC (Registro Federal de Contribuyentes). transactionId: type: string format: uuid description: >- Idempotency key for this bank account registration. Generate a stable UUID and keep it; passing the same value makes the call safe to retry and ensures the account is registered only once. This is a value you supply, not one returned by Etherfuse. BusinessAccountRequest: type: object required: - transactionId - name - incorporatedDate - rfc - clabe properties: clabe: type: string countryId: type: - string - 'null' description: Numeric country code (legacy) countryIsoCode: type: - string - 'null' description: ISO 3166-1 alpha-2 code (preferred) incorporatedDate: type: string description: >- Company incorporation date in `YYYYMMDD` format (8 digits, e.g. `20200101`). name: type: string rfc: type: string description: The company's RFC (Registro Federal de Contribuyentes). transactionId: type: string format: uuid description: >- Idempotency key for this bank account registration. Generate a stable UUID and keep it; passing the same value makes the call safe to retry and ensures the account is registered only once. This is a value you supply, not one returned by Etherfuse. BrlPersonalAccountRequest: type: object required: - transactionId - firstName - lastName - cpf - pixKey - pixKeyType properties: cpf: type: string firstName: type: string lastName: type: string pixKey: type: string pixKeyType: type: string transactionId: type: string format: uuid description: >- Idempotency key for this bank account registration. Generate a stable UUID and keep it; passing the same value makes the call safe to retry and ensures the account is registered only once. This is a value you supply, not one returned by Etherfuse. BrlBusinessAccountRequest: type: object required: - transactionId - name - cnpj - pixKey - pixKeyType properties: cnpj: type: string name: type: string pixKey: type: string pixKeyType: type: string transactionId: type: string format: uuid description: >- Idempotency key for this bank account registration. Generate a stable UUID and keep it; passing the same value makes the call safe to retry and ensures the account is registered only once. This is a value you supply, not one returned by Etherfuse. securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization description: API key sent in the Authorization header. ````