curl --request POST \
  --url https://sandbox-api.polygon.technology/v0.13/virtual-accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
  "type": "bankUs",
  "source": {
    "asset": "usd",
    "network": "ach"
  },
  "destination": {
    "type": "walletExternal",
    "details": {
      "id": "ext_fky491gakzj0dd46qb6whsr2vq",
      "asset": "usdc",
      "network": "ethereum"
    }
  },
  "sponsorGas": true,
  "label": "Alice USD deposit account"
}
'

import requests

url = "https://sandbox-api.polygon.technology/v0.13/virtual-accounts"

payload = {
    "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
    "type": "bankUs",
    "source": {
        "asset": "usd",
        "network": "ach"
    },
    "destination": {
        "type": "walletExternal",
        "details": {
            "id": "ext_fky491gakzj0dd46qb6whsr2vq",
            "asset": "usdc",
            "network": "ethereum"
        }
    },
    "sponsorGas": True,
    "label": "Alice USD deposit account"
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    customerId: 'cst_vfa0nxw6zvyws9g237jrxn4y7k',
    type: 'bankUs',
    source: {asset: 'usd', network: 'ach'},
    destination: {
      type: 'walletExternal',
      details: {id: 'ext_fky491gakzj0dd46qb6whsr2vq', asset: 'usdc', network: 'ethereum'}
    },
    sponsorGas: true,
    label: 'Alice USD deposit account'
  })
};

fetch('https://sandbox-api.polygon.technology/v0.13/virtual-accounts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox-api.polygon.technology/v0.13/virtual-accounts",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customerId' => 'cst_vfa0nxw6zvyws9g237jrxn4y7k',
    'type' => 'bankUs',
    'source' => [
        'asset' => 'usd',
        'network' => 'ach'
    ],
    'destination' => [
        'type' => 'walletExternal',
        'details' => [
                'id' => 'ext_fky491gakzj0dd46qb6whsr2vq',
                'asset' => 'usdc',
                'network' => 'ethereum'
        ]
    ],
    'sponsorGas' => true,
    'label' => 'Alice USD deposit account'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox-api.polygon.technology/v0.13/virtual-accounts"

	payload := strings.NewReader("{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"type\": \"bankUs\",\n  \"source\": {\n    \"asset\": \"usd\",\n    \"network\": \"ach\"\n  },\n  \"destination\": {\n    \"type\": \"walletExternal\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usdc\",\n      \"network\": \"ethereum\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"label\": \"Alice USD deposit account\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox-api.polygon.technology/v0.13/virtual-accounts")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"type\": \"bankUs\",\n  \"source\": {\n    \"asset\": \"usd\",\n    \"network\": \"ach\"\n  },\n  \"destination\": {\n    \"type\": \"walletExternal\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usdc\",\n      \"network\": \"ethereum\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"label\": \"Alice USD deposit account\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox-api.polygon.technology/v0.13/virtual-accounts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"type\": \"bankUs\",\n  \"source\": {\n    \"asset\": \"usd\",\n    \"network\": \"ach\"\n  },\n  \"destination\": {\n    \"type\": \"walletExternal\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usdc\",\n      \"network\": \"ethereum\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"label\": \"Alice USD deposit account\"\n}"

response = http.request(request)
puts response.read_body

{
  "id": "va_8rzhjp17c4kdp2n3gg79te9zmw",
  "customer": {
    "id": "cst_vfa0nxw6zvyws9g237jrxn4y7k"
  },
  "status": "pending",
  "provider": "Example Bank, N.A.",
  "destination": {
    "type": "walletExternal",
    "id": "ext_fky491gakzj0dd46qb6whsr2vq",
    "asset": "usdc",
    "network": "ethereum",
    "details": {
      "address": "0x7B3A9F2C4D1eA8bf6390cE5D2b7fA104c8e3D9B1"
    }
  },
  "sponsorGas": true,
  "label": "Alice USD deposit account",
  "createdAt": "2026-05-14T10:00:00Z",
  "updatedAt": "2026-05-14T10:00:00Z"
}

{
  "error": "InvalidMetadata",
  "code": 10133,
  "msg": "invalid metadata",
  "cause": "<string>"
}

{
  "error": "CoinmeVirtualAccountsNotEnabled",
  "code": 10337,
  "msg": "custodial virtual accounts are not enabled for this project",
  "cause": "<string>"
}

{
  "error": "CustodialWalletUnavailable",
  "code": 10304,
  "msg": "no usable custodial wallet is available for the requested asset and network",
  "cause": "<string>"
}

{
  "error": "CoinmeAddressClaimedByOtherFlow",
  "code": 10314,
  "msg": "this customer's custodial address for this asset and chain family is already claimed by another active flow",
  "cause": "<string>"
}

{
  "error": "EreborValidationFailed",
  "code": 10027,
  "msg": "the provider rejected the provisioning request",
  "cause": "<string>"
}

{
  "error": "EreborResponseInvalid",
  "code": 10028,
  "msg": "the provider returned an invalid response",
  "cause": "<string>"
}

{
  "error": "ServiceUnavailable",
  "code": 5003,
  "msg": "service unavailable",
  "cause": "<string>"
}