Fiat Addresses

Overview

Fiat addresses represent bank accounts that can receive payouts from your Autoramps. Before initiating an offramp, you must register the destination bank account. Iron supports multiple payment rails:

Type	Description	Currency
SEPA	European payments via IBAN	EUR
ACH	US domestic transfers	USD
Wire	US wire transfers	USD
RTP	US Real-Time Payments	USD
SWIFT	International transfers	USD
CHAPS	UK high-value payments	GBP
FPS	UK Faster Payments	GBP

Register a bank account

SEPA (Europe)

curl -X POST https://api.sandbox.iron.xyz/api/addresses/fiat \
-H "Content-Type: application/json" \
-H "Idempotency-Key: 123e4567-e89b-12d3-a456-426614174000" \
-H "X-API-Key: $API_KEY" \
-d '{
  "customer_id": "4b85d15e-f343-41c0-809c-85314cae2fa6",
  "currency": { "code": "EUR" },
  "label": "Primary Business Account",
  "bank_details": {
    "recipient": {
      "type": "Business",
      "name": "Acme Corp GmbH"
    },
    "provider_name": "Deutsche Bank",
    "provider_country": { "code": "DE" },
    "account_identifier": {
      "type": "SEPA",
      "iban": "DE89370400440532013000"
    },
    "address": {
      "street": "Crypto Street 123",
      "city": "Berlin",
      "state": "Berlin",
      "country": { "code": "DE" },
      "postal_code": "10115"
    },
    "is_third_party": false
  }
}'

ACH (US Domestic)

curl -X POST https://api.sandbox.iron.xyz/api/addresses/fiat \
-H "Content-Type: application/json" \
-H "Idempotency-Key: 123e4567-e89b-12d3-a456-426614174001" \
-H "X-API-Key: $API_KEY" \
-d '{
  "customer_id": "4b85d15e-f343-41c0-809c-85314cae2fa6",
  "currency": { "code": "USD" },
  "label": "Jane Doe Checking",
  "bank_details": {
    "recipient": {
      "type": "Individual",
      "given_name": "Jane",
      "family_name": "Doe"
    },
    "provider_name": "Chase Bank",
    "provider_country": { "code": "US" },
    "account_identifier": {
      "type": "ACH",
      "routing_number": "021000021",
      "account_number": "123456789012"
    },
    "address": {
      "street": "123 Main Street",
      "city": "New York",
      "state": "NY",
      "country": { "code": "US" },
      "postal_code": "10001"
    },
    "email_address": { "email": "finance@acme.com" },
    "phone_number": "+1-212-555-0123",
    "is_third_party": false
  }
}'

SWIFT (International)

curl -X POST https://api.sandbox.iron.xyz/api/addresses/fiat \
-H "Content-Type: application/json" \
-H "Idempotency-Key: 123e4567-e89b-12d3-a456-426614174002" \
-H "X-API-Key: $API_KEY" \
-d '{
  "customer_id": "4b85d15e-f343-41c0-809c-85314cae2fa6",
  "currency": { "code": "USD" },
  "label": "International Account",
  "bank_details": {
    "recipient": {
      "type": "Business",
      "name": "Acme Global Ltd"
    },
    "provider_name": "HSBC",
    "provider_country": { "code": "GB" },
    "account_identifier": {
      "type": "SWIFT",
      "bic": "HSBCGB2L",
      "account_number": "12345678"
    },
    "address": {
      "street": "10 Downing Street",
      "city": "London",
      "state": "England",
      "country": { "code": "GB" },
      "postal_code": "SW1A 2AA"
    },
    "bank_address": {
      "street": "8 Canada Square",
      "city": "London",
      "country": { "code": "GB" },
      "postal_code": "E14 5HQ"
    },
    "is_third_party": false
  }
}'

SWIFT payouts are available in USD for business customers, to both first-party and third-party accounts. SWIFT payouts for individual customers are coming soon. For inbound SWIFT deposits, see Payment Methods.

Request fields

Field	Required	Description
`customer_id`	Yes	The customer’s UUID
`currency`	Yes	Object with a `code` property (e.g. `{ "code": "EUR" }`)
`label`	No	Optional label for the account
`bank_details.recipient`	Yes	Object with a `type` discriminator. `Business`: requires `name`. `Individual`: requires `given_name` and `family_name`.
`bank_details.provider_name`	Yes	Bank name
`bank_details.provider_country`	Yes	Bank’s country as `{ "code": "<ISO 3166-1>" }`
`bank_details.account_identifier`	Yes	Account details (varies by payment rail)
`bank_details.address`	Yes	Recipient’s postal address. All fields including `state` are required.
`bank_details.email_address`	USD only	Required for USD accounts
`bank_details.phone_number`	USD only	Required for USD accounts
`bank_details.is_third_party`	Yes	Whether this is a third-party account
`bank_details.bank_address`	SWIFT only	Required for SWIFT transfers

Response

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "created_at": "2025-01-15T10:30:00Z",
  "updated_at": "2025-01-15T10:30:00Z",
  "customer_id": "4b85d15e-f343-41c0-809c-85314cae2fa6",
  "bank_details": { ... },
  "label": "Primary Business Account",
  "status": "Registered",
  "currency": "EUR",
  "bank_account_identifier": {
    "type": "SEPA",
    "iban": "DE89XXXXXXXXXXXX3000"
  },
  "country": "DE",
  "bank_name": "Deutsche Bank",
  "ownership_verified": true,
  "is_third_party": false
}

The bank_account_identifier in the response is partially masked for security.

List bank accounts

Retrieve all registered bank accounts for a customer:

curl -X GET "https://api.sandbox.iron.xyz/api/addresses/fiat/{customer_id}" \
-H "X-API-Key: $API_KEY"

Query parameters

Parameter	Description
`cursor`	Pagination cursor from previous response
`page_size`	Number of results per page (max 100)
`search_term`	Filter by IBAN, label, or bank name

List by status

Retrieve all bank accounts with a specific status across all customers:

curl -X GET "https://api.sandbox.iron.xyz/api/addresses/fiat?status=Registered" \
-H "X-API-Key: $API_KEY"

Get a specific bank account

curl -X GET "https://api.sandbox.iron.xyz/api/addresses/fiat/{customer_id}/{fiat_address_id}" \
-H "X-API-Key: $API_KEY"

Delete a bank account

Soft-delete a registered bank account:

curl -X DELETE "https://api.sandbox.iron.xyz/api/addresses/fiat/{customer_id}/{fiat_address_id}" \
-H "X-API-Key: $API_KEY"

Deleted accounts cannot be used for new transactions. This operation cannot be undone.

Address statuses

Beneficiary whitelisting is instant. There is no separate recipient verification step. Most accounts move from RegistrationPending to Registered within seconds. If they don’t, the status tells you why.

Status	Description
`RegistrationPending`	Registration in progress. Resolves within seconds in production.
`Registered`	Account is active and ready for payouts.
`RegistrationFailed`	The bank details were rejected. Common causes: invalid IBAN or routing number, mismatched recipient name, missing required fields. Fix the details and re-register.
`AuthorizationRequired`	In rare cases the beneficiary needs to be approved by the bank before payouts can run.
`AuthorizationFailed`	The beneficiary was rejected by compliance. The account cannot receive payouts.

Third-party accounts

To register a bank account that doesn’t belong to the customer (a friend, family member, or business counterparty), set is_third_party: true. The registration flow is identical to first-party accounts: beneficiary whitelisting is instant, and the account is ready for payouts within seconds.

Common errors

Error	Cause
`400 Bad Request`	Invalid IBAN format, missing required fields, or invalid country
`404 Not Found`	Customer not found or does not belong to your partner
`409 Conflict`	Bank account already registered for this customer

Getting Started

Onboarding & Compliance

Addresses & Travel Rule

Autoramp & Transactions

Webhooks & Events

Billing & Settlement

Tutorials

Issuance

Coverage

Support

Fiat Addresses

Overview

Register a bank account

SEPA (Europe)

ACH (US Domestic)

SWIFT (International)

Request fields

Response

List bank accounts

Query parameters

List by status

Get a specific bank account

Delete a bank account

Address statuses

Third-party accounts

Common errors

Crypto Addresses

Offramp Guide

​Overview

​Register a bank account

​SEPA (Europe)

​ACH (US Domestic)

​SWIFT (International)

​Request fields

​Response

​List bank accounts

​Query parameters

​List by status

​Get a specific bank account

​Delete a bank account

​Address statuses

​Third-party accounts

​Common errors

​Related guides

Crypto Addresses

Offramp Guide

Overview

Register a bank account

SEPA (Europe)

ACH (US Domestic)

SWIFT (International)

Request fields

Response

List bank accounts

Query parameters

List by status

Get a specific bank account

Delete a bank account

Address statuses

Third-party accounts

Common errors

Related guides