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A user anywhere in the world gets a real USD account number: routing number, account number, the works. They receive ACH transfers from US employers, marketplaces, or family members. The balance sits in USDC on Polygon. They withdraw to their local bank whenever they want. No US bank account required. No correspondent banking delays. The account behaves like a standard US bank account from the sender’s perspective. Who this is for:
  • Neobanks and fintech apps serving emerging-market users who need USD-denominated accounts
  • Freelancer platforms whose contractors need a US bank account to receive client payments
  • Marketplaces that want to offer USD wallet balances to international sellers
This pattern depends on virtual accounts, which are currently early access. Virtual-account provisioning is not yet available in the OMS API.

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How it works

Dollar account flow
1App→OMSOnboard customer, provision wallet, create virtual account
2OMS→AppUnique routing + account number assigned to this customer
3Payer→AccountSends ACH from any US bank
4OMSConverts USD deposit to USDC, credits customer wallet
5OMS→AppWebhook: fiatToCrypto.completed
6CustomerWithdraws USDC to local bank via ACH, wire, or SWIFT
Each customer gets their own dedicated account number. When a payer sends an ACH transfer to that number, OMS automatically converts the USD to USDC and credits the customer’s custodial wallet. The customer can hold the balance or withdraw at any time.

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OMS resources

ResourceRole
CustomerIdentity record with KYC endorsements
WalletCustodial or non-custodial stablecoin balance
Virtual accountDedicated US bank account number (routing + account)
fiatToCrypto transactionAuto-created on each incoming deposit
cryptoToFiat transactionCreated when customer initiates a withdrawal

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Implementation

Customer onboarding

Create customer records, collect KYC, and provision wallets.

Virtual accounts

Assign a persistent USD account number and handle incoming deposits.

Bank transfers

Quote and execute outbound ACH and wire withdrawals.

Crypto-to-fiat

Convert USDC to fiat for withdrawal via OMS.