Paying workers via Virtual Accounts

Overview

This guide details the steps needed to pay worker wallets via dedicated unique virtual accounts.

flowchart TD
    %% ───── PLATFORM & WALLETS ─────
    subgraph PLATFORM
        direction TB
        P[Platform onboards woekrs]

        subgraph USER_WALLETS
            direction LR
            W1[User Wallet #1<br /><small>USD virtual acct</small>]
            W2[User Wallet #2<br /><small>USD virtual acct</small>]
            Wn[User Wallet …]
        end
    end

    %% ───── EXTERNAL FUNDING ─────
    ACH[(External Bank)]

    %% ───── FUNDING PATHS ─────
    ACH -- "ACH credit" --> W1
    ACH -- "ACH credit" --> W2
    ACH -- "ACH credit" --> Wn

Pre-Requisites

Please work with your account manager to make sure your platform has access enabled for these unique USD virtual accounts.

Wallet Onboarding

Once a worker wallet is created, the user has to go through an onboarding flow to get complete access to their account. The onboarding flow consists of:

• Completing KYC (biometrics plus government ID checks)
• Completing any tax forms depending on the location of the user (e.g W8BEN, W8BENE, W9)
• Completing the financial disclosures

📘

In some cases additional information about the user or their work history may be required to complete their onboarding.

You can use webhooks or rely on polling to get the latest status of a user's onboarding.

• Get User KYC Get User KYC .
• KYC Webhooks KYC Webhooks .

Once a user onboarding is completed and their compliance checks approved, unique dedicated account funding details are assigned to each wallet that can be used for funding.

Next Steps

With these steps, you should have successfully created and paid workers into their wallets. Check out the full API documentation for the rest of the functionality Full API Reference .