Virtual Accounts
Set up the organization's USD receiving account, track its review state, and share the bank details safely.
A USD receiving account gives the organization US bank details it can use to accept USD transfers. The dashboard calls it the USD account, and it belongs to the active organization rather than to you.
Setting one up is optional. An organization can hold and spend USDC without ever having a USD account; the dollar balance card shows a USDC-only badge until an account exists. See Accounts and Wallets for what that card tells you.
Set up the USD account
Open Balances. A USD account card sits below the balances with the heading "Add a USD receiving account" until one exists. Select Set up USD account, accept the bank terms when prompted, and work through the setup flow.
Activation requires approved organization verification. An organization that has not been verified cannot activate the account, so complete verification first rather than repeatedly restarting setup.
Wait for the account details to appear before you share anything. Details that have not loaded are not details you can give a payer.
Track the review state
The USD account card changes as the application moves, and the wording tells you whether you are waiting or whether you need to act.
| Card heading | Meaning | What to do |
|---|---|---|
| Add a USD receiving account | No application exists yet. | Start setup. |
| Your USD account is under review | The details were submitted and are being reviewed. The GHS balance stays available meanwhile. | Wait. There is no action button in this state, by design. |
| Complete your USD account setup | Business ownership details are still outstanding before the account can be activated. | Select Continue setup and supply them. |
| Update your USD account details | The application was rejected. | Select Continue setup, review the details, and correct them. |
The dashboard states that review typically takes one to two business days.
An organization that has no GHS wallet yet sees these states as a full-page notice rather than as a card, and the notice for outstanding or rejected details points you to support rather than back into the form. If that is what you see, contact support instead of hunting for a setup button that is not there.
Share the receiving details
Once the account is ready, the account details panel on Balances shows a US account details tab. Give the payer these fields exactly as displayed:
| Field | Description |
|---|---|
| Account holder name | Do not shorten, abbreviate, or substitute a trading name. |
| Account number | The receiving account number. |
| Account type | Shown on the panel; pass it on as displayed. |
| Bank routing number | The ACH routing number, which senders using wire may need to confirm separately. |
| Bank name | The receiving bank. |
| Bank address | The bank's address, which some senders require. |
The dashboard states the following terms for this account, and they determine whether a given transfer will work at all:
- The account sends and receives USD by bank transfer over ACH, Wire, and SWIFT.
- Receiving by ACH costs 0.8%, with a $2 minimum and a $10 maximum.
- USD payments can only be received from banks inside the United States.
- Incoming payments take between one and three days depending on the sending bank's scheme.
A payer sending from outside the United States will not reach this account. Confirm where the sending bank is before you give out the details, rather than after a transfer goes missing.
Incoming funds land in the owning organization's balance and appear in the Activity feed after reconciliation.
Avoid a delayed deposit
- Give the beneficiary name exactly as shown, with no abbreviation.
- Do not accept an unsupported currency into this account.
- Do not reuse another organization's details; each organization's account is its own.
- Include any reference the panel asks for.
- Keep the sender's receipt and reference until the funds appear.
If a transfer was sent but has not arrived, compare the sender's receipt against the displayed details field by field before sending anything else. Check the Activity feed on Balances first, since a deposit that has reconciled is already there.