Deposit instructions

Fetch funding coordinates for a customer account: fiat bank details (IBAN / account+routing / SWIFT as returned) or a stablecoin wallet + network. Prerequisite: open or list an account in Accounts. Same banking gate: vault approved/active and products.deposit_account.status=ready.

Sandbox: returned coordinates often do not credit usable balance for outbound testing. Contact Element Pay for a sandbox credit if you need to exercise stablecoin sends or other debit flows. Live: show these details to the end-customer and wait for real funding. On-chain stablecoin deposits typically need the correct network and a practical minimum around ~2.00 major units; dust / wrong-network sends may never credit. Confirm with GET …/accounts/{account_id} available balance and/or the account.credited webhook before spending.

Alternate funding / exit path for the same customer: corridor quote → accept (OnRamp into crypto or OffRamp out), where your key and catalog allow it.

Auth and environments

export BASE_SANDBOX="$BASE_SANDBOX"
export BASE_LIVE="$BASE_LIVE"
export BASE="$BASE_SANDBOX"
export API_KEY="is_test_…"

X-API-Key: <API_KEY>
Content-Type: application/json

When to call

Goal	Use
Fund a fiat rail	Show returned bank fields to the end-customer
Fund a stablecoin rail	Show `wallet_address` + `network` (and any chain disclaimer)
Outbound send / payout	Not this route. Use balance on the account, then stablecoin sends or later payout guides

Happy path

Resolve account_id

Accounts: open or list until you have an account_id

Get deposit instructions

GET …/accounts/{account_id}/deposit-instructions

Show coords to the customer

Use instructions / disclaimer fields as display copy; do not invent bank or chain details

Request

export CUSTOMER_ID="pcus_…"
export ACCOUNT_ID="18"   # fiat example; use a stablecoin account_id for wallet rails

curl -sS "$BASE/partner/customers/$CUSTOMER_ID/accounts/$ACCOUNT_ID/deposit-instructions" \
  -H "X-API-Key: $API_KEY" | jq '.data'

Fiat example (`data`)

{
  "account_id": 18,
  "customer_id": "pcus_…",
  "asset_type": "fiat",
  "currency": "EUR",
  "network": null,
  "status": "ready",
  "account_holder_name": "Jane Doe",
  "account_number": "DE89370400440532013000",
  "bank_code": "COBADEFF",
  "bank_name": "Example Bank",
  "swift_bic": "COBADEFFXXX",
  "instructions": "Show the account holder name and these bank details to the customer. They should send a bank transfer in the account currency to this account."
}

Stablecoin example (`data`)

{
  "account_id": 21,
  "customer_id": "pcus_…",
  "asset_type": "stablecoin",
  "currency": "USDC",
  "network": "Base",
  "status": "ready",
  "account_holder_name": "Jane Doe",
  "wallet_address": "0x40C2f2e0326bD1f647fbeB8732529e08B4DB309f",
  "chain_disclaimer": "Send only USDC on Base to this address. Funds sent on the wrong network may be lost.",
  "instructions": "Show the wallet address and network to the customer. They must send the matching stablecoin on that network only."
}

Field sets differ by rail. Use the keys returned for that account_id; do not assume every account includes both bank and wallet fields.

Errors

Situation	Typical	Action
Banking gate not ready	`409` with message `Deposit account is not ready`	Poll `products.deposit_account` until `status=ready`
Account still provisioning coords	`422` (coords not ready yet)	Poll `GET …/accounts/{account_id}` until coordinates exist, then retry
Unknown account / customer	`404`	Use ids from this API key

Stablecoin sends once the account has balance
Accounts · Route cheat sheet

Get started

Customers

Corridors

Sandbox

Deposit instructions

Deposit instructions

Auth and environments

When to call

Happy path

Request

Fiat example (`data`)

Stablecoin example (`data`)

Errors

Next

​Deposit instructions

​Auth and environments

​When to call

​Happy path

​Request

​Fiat example (data)

​Stablecoin example (data)

​Errors

​Next

Deposit instructions

Auth and environments

When to call

Happy path

Request

Fiat example (`data`)

Stablecoin example (`data`)

Errors

Next