> ## Documentation Index > Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt > Use this file to discover all available pages before exploring further. # Create an auto-ramp account > Creates a new auto-ramp account for the authenticated user. The account is a virtual bank account that automatically converts fiat deposits to crypto. The address must be valid for the specified network, and the network/token combination must be supported for your region. ## OpenAPI ````yaml https://platform.spritz.finance/openapi.json post /v1/auto-ramp-accounts/ openapi: 3.0.3 info: title: Spritz Finance API version: 1.0.0 description: API for the Spritz Finance platform with RFC 9457 error handling servers: - url: https://platform.spritz.finance description: Production - url: https://sandbox.spritz.finance description: Sandbox security: [] tags: - name: Users description: User management endpoints - name: Bank Accounts description: Manage bank accounts for off-ramp destinations - name: Bills description: Manage bill pay accounts - name: Cards description: Spritz-issued debit cards - name: Auto-Ramp Accounts description: Virtual bank accounts that automatically convert fiat deposits to crypto - name: Spritz App description: >- Endpoints used by the Spritz app and internal SDKs. Excluded from the public partner spec. paths: /v1/auto-ramp-accounts/: post: tags: - Auto-Ramp Accounts summary: Create an auto-ramp account description: >- Creates a new auto-ramp account for the authenticated user. The account is a virtual bank account that automatically converts fiat deposits to crypto. The address must be valid for the specified network, and the network/token combination must be supported for your region. operationId: postV1Auto-ramp-accounts requestBody: description: >- Request body for creating a new auto-ramp account. The address format must be valid for the specified network, and the network/token combination must be supported for your region. required: true content: application/json: schema: description: >- Request body for creating a new auto-ramp account. The address format must be valid for the specified network, and the network/token combination must be supported for your region. type: object properties: address: description: Destination wallet address for crypto payouts type: string example: '0x742d35Cc6634C0532925a3b844Bc9e7595f2a3b8' network: type: string enum: - ethereum - polygon - base - arbitrum - avalanche - optimism - solana - tron - bitcoin token: description: Token to receive (must be valid for network) type: string example: USDC required: - address - network - token additionalProperties: false application/x-www-form-urlencoded: schema: description: >- Request body for creating a new auto-ramp account. The address format must be valid for the specified network, and the network/token combination must be supported for your region. type: object properties: address: description: Destination wallet address for crypto payouts type: string example: '0x742d35Cc6634C0532925a3b844Bc9e7595f2a3b8' network: type: string enum: - ethereum - polygon - base - arbitrum - avalanche - optimism - solana - tron - bitcoin token: description: Token to receive (must be valid for network) type: string example: USDC required: - address - network - token additionalProperties: false multipart/form-data: schema: description: >- Request body for creating a new auto-ramp account. The address format must be valid for the specified network, and the network/token combination must be supported for your region. type: object properties: address: description: Destination wallet address for crypto payouts type: string example: '0x742d35Cc6634C0532925a3b844Bc9e7595f2a3b8' network: type: string enum: - ethereum - polygon - base - arbitrum - avalanche - optimism - solana - tron - bitcoin token: description: Token to receive (must be valid for network) type: string example: USDC required: - address - network - token additionalProperties: false responses: '201': description: >- A virtual bank account that automatically converts fiat deposits to crypto. The account is opened in the user's name - funds deposited are converted to the specified token and sent to the destination wallet address. Important: Always confirm the account status is 'active' before initiating a deposit. content: application/json: schema: description: >- A virtual bank account that automatically converts fiat deposits to crypto. The account is opened in the user's name - funds deposited are converted to the specified token and sent to the destination wallet address. Important: Always confirm the account status is 'active' before initiating a deposit. type: object properties: id: description: Unique identifier for this auto-ramp account type: string example: 507f1f77bcf86cd799439011 depositInstructions: description: >- Deposit instructions for the virtual account. The `type` field indicates the account format: `us` for ACH/wire (routing + account number) or `iban` for SEPA (IBAN + BIC). anyOf: - description: >- US bank deposit instructions. Use these details to initiate ACH or wire transfers. type: object properties: bankName: description: Name of the bank holding the virtual account type: string example: Lead Bank bankAddress: description: Physical address of the bank type: string example: 1801 Main St, Kansas City, MO 64108 paymentRails: description: Supported payment rails for depositing funds type: array items: type: string example: - ach - wire type: description: US deposit instructions (ACH/wire) type: string enum: - us bankRoutingNumber: description: 9-digit ABA routing number type: string example: '101019644' bankAccountNumber: description: Bank account number for deposits type: string example: '1234567890' required: - bankName - bankAddress - paymentRails - type - bankRoutingNumber - bankAccountNumber - description: >- IBAN/SEPA deposit instructions. Use these details to initiate SEPA transfers. type: object properties: bankName: description: Name of the bank holding the virtual account type: string example: Lead Bank bankAddress: description: Physical address of the bank type: string example: 1801 Main St, Kansas City, MO 64108 paymentRails: description: Supported payment rails for depositing funds type: array items: type: string example: - ach - wire type: description: IBAN deposit instructions (SEPA) type: string enum: - iban iban: description: International Bank Account Number for deposits type: string example: DE89370400440532013000 bic: description: Bank Identifier Code (SWIFT) type: string example: COBADEFFXXX required: - bankName - bankAddress - paymentRails - type - iban network: description: >- Blockchain network where converted crypto will be sent. Lowercase network identifier. type: string example: ethereum address: description: >- Destination wallet address. Fiat deposits are converted and sent to this address. type: string example: '0x1234567890abcdef1234567890abcdef12345678' token: description: Token that fiat deposits will be converted to type: string example: USDC currency: description: Fiat currency accepted for deposits type: string example: USD status: type: string enum: - active - inactive createdAt: description: >- Timestamp when this auto-ramp account was created (ISO 8601) format: date-time type: string example: '2025-01-15T10:30:00.000Z' required: - id - depositInstructions - network - address - token - currency - status - createdAt additionalProperties: false '401': description: Response for status 401 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 401 detail: description: A human-readable explanation specific to this occurrence type: string example: Bearer token required instance: description: A URI reference that identifies the specific occurrence type: string realm: description: The authentication realm type: string example: API scope: description: The required scope for this resource type: string example: read:users required: - title - status additionalProperties: false '404': description: Response for status 404 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string title: description: A short, human-readable summary of the problem type type: string status: description: The HTTP status code type: number example: 404 detail: description: A human-readable explanation specific to this occurrence type: string instance: description: A URI reference that identifies the specific occurrence type: string resourceType: description: The type of resource that was not found type: string example: user resourceId: description: The identifier of the resource that was not found type: string required: - title - status - resourceType - resourceId additionalProperties: false '500': description: Response for status 500 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 400 detail: description: A human-readable explanation specific to this occurrence type: string instance: description: A URI reference that identifies the specific occurrence type: string example: /errors/1234567890 code: description: >- Machine-readable cause, present when exactly one thing failed. Branch on this, never on `detail`, which is human-facing copy and may change. For deposit limits the vocabulary matches the `reason` values the limits API returns pre-flight. type: string example: transaction_limit field: description: The offending request field, present alongside `code`. type: string example: amountUsd retryable: description: >- Whether retrying the same request later may succeed without changing its inputs. type: boolean example: true required: - title - status additionalProperties: false security: - bearerAuth: [] - integratorJwt: [] - hmacAuth: [] integratorKey: [] timestamp: [] components: securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT description: Cognito JWT token for regular user authentication integratorJwt: type: http scheme: bearer bearerFormat: JWT description: >- Integrator JWT token (prefix: spr_) for frontend integrator authentication. Obtained via token exchange endpoint. hmacAuth: type: apiKey in: header name: X-Signature description: >- HMAC signature authentication for backend integrators. **Required Headers:** - X-Integrator-Key: Integrator API key (format: int_...) - X-Signature: HMAC signature (format: sha256={hex}) - X-Timestamp: Unix timestamp in milliseconds - Authorization: Bearer {user-api-key} **Signature Algorithm:** HMAC-SHA256 **Signature Format:** {timestamp}.{METHOD}.{path}.{bodyHash} - timestamp: Unix timestamp in milliseconds - METHOD: HTTP method in UPPERCASE (GET, POST, etc.) - path: Request path (e.g., /v1/transactions) - bodyHash: SHA256 hex digest of request body (empty string if no body) **Timestamp Tolerance:** ±5 minutes (300 seconds) **Example:** For POST /v1/transactions with body {"amount":100} and timestamp 1234567890000: Payload: 1234567890000.POST./v1/transactions.{sha256(body)} Signature: sha256=abc123... integratorKey: type: apiKey in: header name: X-Integrator-Key description: 'Integrator API key (format: int_...) used with HMAC authentication' timestamp: type: apiKey in: header name: X-Timestamp description: >- Unix timestamp in milliseconds for replay attack prevention. Must be within 5 minutes of server time. ````