> ## Documentation Index > Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt > Use this file to discover all available pages before exploring further. # Simulate inbound transfer on a Virtual Account > Simulate an inbound fiat transfer against a Virtual Account, for testing webhook and reconciliation flows. Sandbox / non-production only; returns 404 in production-live. Set the `rail` field in the request body to choose the transfer type (`ach_in`, `wire_in`, or `swift_in`); the request and response fields for each rail are documented on the corresponding schema. ## OpenAPI ````yaml /api-reference/openapi.yaml post /virtual-accounts/{virtualAccountId}/simulate openapi: 3.0.3 info: title: Polygon OMS Public API version: v26.05.28-0001 description: >- Unified API for moving money between crypto and fiat. Three ways to move money: Transactions (instant, wallet or card funded, including Cash-In for in-person cash deposits), Deposit Addresses (reusable crypto deposit configurations), and Virtual Accounts (dedicated bank accounts that auto-convert fiat to crypto). Standard transactions follow a two-step flow: create a Quote (pricing), then create a Transaction (execution). Cash-in codes generate a one-time deposit code for in-person cash deposits at retail locations. contact: name: Polygon OMS url: https://oms.polygon.technology servers: - url: https://sandbox-api.polygon.technology/v0.9 description: Sandbox - url: https://api.polygon.technology/v0.9 description: Production security: - BearerAuth: [] tags: - name: Auth description: Authentication via FrontEgg - name: Customers description: Customer management and KYC - name: Customer - name: Wallet - name: Quote - name: Transaction - name: Webhook - name: CashIns - name: CashLocation - name: Sandbox - name: Simulation paths: /virtual-accounts/{virtualAccountId}/simulate: post: tags: - Simulation summary: Simulate inbound transfer on a Virtual Account description: >- Simulate an inbound fiat transfer against a Virtual Account, for testing webhook and reconciliation flows. Sandbox / non-production only; returns 404 in production-live. Set the `rail` field in the request body to choose the transfer type (`ach_in`, `wire_in`, or `swift_in`); the request and response fields for each rail are documented on the corresponding schema. operationId: simulateVirtualAccountInbound parameters: - in: path name: virtualAccountId required: true schema: type: string - $ref: '#/components/parameters/IdempotencyKeyHeader' requestBody: content: application/json: schema: $ref: '#/components/schemas/VirtualAccountSimulationRequest' required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/VirtualAccountSimulationResponse' description: The request has succeeded. components: parameters: IdempotencyKeyHeader: description: >- Required on POST and PUT requests. Use a unique value per logical mutation attempt, for example a UUID. in: header name: Idempotency-Key required: true schema: type: string schemas: VirtualAccountSimulationRequest: description: Rail-discriminated request for POST /virtual-accounts/{id}/simulate. discriminator: mapping: ach_in: $ref: '#/components/schemas/AchInSimulationRequest' swift_in: $ref: '#/components/schemas/SwiftInSimulationRequest' wire_in: $ref: '#/components/schemas/WireInSimulationRequest' propertyName: rail oneOf: - $ref: '#/components/schemas/AchInSimulationRequest' - $ref: '#/components/schemas/WireInSimulationRequest' - $ref: '#/components/schemas/SwiftInSimulationRequest' type: object VirtualAccountSimulationResponse: description: Rail-discriminated response for POST /virtual-accounts/{id}/simulate. discriminator: mapping: ach_in: $ref: '#/components/schemas/AchInSimulationResponse' swift_in: $ref: '#/components/schemas/SwiftInSimulationResponse' wire_in: $ref: '#/components/schemas/WireInSimulationResponse' propertyName: rail oneOf: - $ref: '#/components/schemas/AchInSimulationResponse' - $ref: '#/components/schemas/WireInSimulationResponse' - $ref: '#/components/schemas/SwiftInSimulationResponse' type: object AchInSimulationRequest: description: ACH IN simulation against a Virtual Account. properties: addenda: description: Optional ACH addenda records (max 4 entries, each ≤ 80 chars). items: type: string type: array amount: $ref: '#/components/schemas/SimulationAmount' rail: enum: - ach_in type: string required: - rail - amount type: object SwiftInSimulationRequest: description: |- International (SWIFT) Wire IN simulation against a Virtual Account. The three originator fields are required by the upstream provider. properties: amount: $ref: '#/components/schemas/SimulationAmount' memo: description: Optional ISO 20022 memo (≤ 140 chars, SWIFT MT charset). type: string originatorAccountNumber: description: Originator's bank account number or IBAN (≤ 34 chars). type: string originatorBic: description: >- Originator's bank BIC/SWIFT code (8 or 11 chars). Uppercased server-side. type: string originatorName: description: Originator's legal name (≤ 140 chars). type: string rail: enum: - swift_in type: string required: - rail - amount - originatorName - originatorAccountNumber - originatorBic type: object WireInSimulationRequest: description: Domestic Wire IN simulation against a Virtual Account. properties: amount: $ref: '#/components/schemas/SimulationAmount' memo: description: Optional ISO 20022 memo (≤ 140 chars). type: string rail: enum: - wire_in type: string required: - rail - amount type: object AchInSimulationResponse: properties: amount: $ref: '#/components/schemas/SimulationAmount' rail: enum: - ach_in type: string status: enum: - submitted type: string submittedAt: type: string format: date-time virtualAccountId: type: string required: - rail - virtualAccountId - amount - status - submittedAt type: object SwiftInSimulationResponse: properties: amount: $ref: '#/components/schemas/SimulationAmount' internationalWireInId: description: International wire in id (intl_wire_in_…) for webhook correlation. type: string rail: enum: - swift_in type: string status: description: >- The upstream provider settles SWIFT asynchronously and returns uppercase "PENDING"; preserved verbatim (not lowercased) to keep the wire shape identical to the pre-consolidation `SimulateSwiftInResponse` - no breaking change. enum: - PENDING type: string submittedAt: type: string format: date-time virtualAccountId: type: string required: - rail - virtualAccountId - internationalWireInId - amount - status - submittedAt type: object WireInSimulationResponse: properties: amount: $ref: '#/components/schemas/SimulationAmount' rail: enum: - wire_in type: string status: enum: - submitted type: string submittedAt: type: string format: date-time virtualAccountId: type: string required: - rail - virtualAccountId - amount - status - submittedAt type: object SimulationAmount: description: Amount in USD minor units (cents). properties: currency: description: ISO-4217 currency code. Currently always "USD". type: string value: allOf: - $ref: '#/components/schemas/int64String' description: Amount in minor units (cents) as decimal string. required: - currency - value type: object int64String: description: Wire-safe integer string for fiat amounts within int64 range. type: string x-go-type: types.Int64String x-go-type-import: path: github.com/0xPolygon/bpn-api/types securitySchemes: BearerAuth: type: http scheme: bearer bearerFormat: JWT description: Token from POST /auth/token ````