Simulate a fiat deposit to a sandbox virtual account

curl --request POST \
  --url https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "assetAmount": {
    "amount": "<string>"
  },
  "externalReference": "<string>",
  "detectedAt": "2023-11-07T05:31:56Z",
  "omitWireReferences": true,
  "senderInfo": {
    "name": "<string>",
    "accountNumber": "<string>",
    "routingNumber": "<string>",
    "sortCode": "<string>",
    "iban": "<string>",
    "bic": "<string>",
    "country": "<string>"
  },
  "remittance": {
    "reference": "<string>"
  }
}
'

import requests

url = "https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate"

payload = {
    "assetAmount": { "amount": "<string>" },
    "externalReference": "<string>",
    "detectedAt": "2023-11-07T05:31:56Z",
    "omitWireReferences": True,
    "senderInfo": {
        "name": "<string>",
        "accountNumber": "<string>",
        "routingNumber": "<string>",
        "sortCode": "<string>",
        "iban": "<string>",
        "bic": "<string>",
        "country": "<string>"
    },
    "remittance": { "reference": "<string>" }
}
headers = {
    "x-api-key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    assetAmount: {amount: '<string>'},
    externalReference: '<string>',
    detectedAt: '2023-11-07T05:31:56Z',
    omitWireReferences: true,
    senderInfo: {
      name: '<string>',
      accountNumber: '<string>',
      routingNumber: '<string>',
      sortCode: '<string>',
      iban: '<string>',
      bic: '<string>',
      country: '<string>'
    },
    remittance: {reference: '<string>'}
  })
};

fetch('https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'assetAmount' => [
        'amount' => '<string>'
    ],
    'externalReference' => '<string>',
    'detectedAt' => '2023-11-07T05:31:56Z',
    'omitWireReferences' => true,
    'senderInfo' => [
        'name' => '<string>',
        'accountNumber' => '<string>',
        'routingNumber' => '<string>',
        'sortCode' => '<string>',
        'iban' => '<string>',
        'bic' => '<string>',
        'country' => '<string>'
    ],
    'remittance' => [
        'reference' => '<string>'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-api-key: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate"

	payload := strings.NewReader("{\n  \"assetAmount\": {\n    \"amount\": \"<string>\"\n  },\n  \"externalReference\": \"<string>\",\n  \"detectedAt\": \"2023-11-07T05:31:56Z\",\n  \"omitWireReferences\": true,\n  \"senderInfo\": {\n    \"name\": \"<string>\",\n    \"accountNumber\": \"<string>\",\n    \"routingNumber\": \"<string>\",\n    \"sortCode\": \"<string>\",\n    \"iban\": \"<string>\",\n    \"bic\": \"<string>\",\n    \"country\": \"<string>\"\n  },\n  \"remittance\": {\n    \"reference\": \"<string>\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-key", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate")
  .header("x-api-key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"assetAmount\": {\n    \"amount\": \"<string>\"\n  },\n  \"externalReference\": \"<string>\",\n  \"detectedAt\": \"2023-11-07T05:31:56Z\",\n  \"omitWireReferences\": true,\n  \"senderInfo\": {\n    \"name\": \"<string>\",\n    \"accountNumber\": \"<string>\",\n    \"routingNumber\": \"<string>\",\n    \"sortCode\": \"<string>\",\n    \"iban\": \"<string>\",\n    \"bic\": \"<string>\",\n    \"country\": \"<string>\"\n  },\n  \"remittance\": {\n    \"reference\": \"<string>\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.sandbox.conduit.financial/v2/sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"assetAmount\": {\n    \"amount\": \"<string>\"\n  },\n  \"externalReference\": \"<string>\",\n  \"detectedAt\": \"2023-11-07T05:31:56Z\",\n  \"omitWireReferences\": true,\n  \"senderInfo\": {\n    \"name\": \"<string>\",\n    \"accountNumber\": \"<string>\",\n    \"routingNumber\": \"<string>\",\n    \"sortCode\": \"<string>\",\n    \"iban\": \"<string>\",\n    \"bic\": \"<string>\",\n    \"country\": \"<string>\"\n  },\n  \"remittance\": {\n    \"reference\": \"<string>\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "externalReference": "sandbox_8c41e7b2905f3a6d17e40b9c2a5f8de3"
}

{
  "type": "INVALID_OID_FORMAT",
  "title": "Invalid Object ID Format",
  "status": 400,
  "detail": "A path or query parameter expected a valid object identifier but received a value that does not match the expected format.",
  "resolution": "Verify that all IDs in the request URL and query parameters are correctly formatted. IDs are typically prefixed strings like 'cus_...', 'app_...', or 'doc_...'.",
  "docs": "https://v2.docs.conduit.financial/errors#invalid-oid-format",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "API_KEY_MISSING",
  "title": "API Key Missing",
  "status": 401,
  "detail": "The request did not include an API key. All API requests must be authenticated.",
  "resolution": "Include your API key in the 'x-api-key' header with every request.",
  "docs": "https://v2.docs.conduit.financial/errors#api-key-missing",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "ORGANIZATION_ACCESS_SUSPENDED",
  "title": "Organization Access Suspended",
  "status": 403,
  "detail": "Conduit has suspended this organization's access. Requests with the organization's API keys and from its users are refused until Conduit restores access.",
  "resolution": "Contact Conduit support.",
  "docs": "https://v2.docs.conduit.financial/errors#organization-access-suspended",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "VIRTUAL_ACCOUNT_NOT_FOUND",
  "title": "Virtual Account Not Found",
  "status": 404,
  "detail": "No virtual account exists for the requested customer and asset, or the virtual account belongs to a different organization.",
  "resolution": "Verify the customer has an active virtual account for the requested asset before creating a fiat payout.",
  "docs": "https://v2.docs.conduit.financial/errors#virtual-account-not-found",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "UNSUPPORTED_MEDIA_TYPE",
  "title": "Unsupported Media Type",
  "status": 415,
  "detail": "The request carries a body with a Content-Type this endpoint cannot parse. JSON endpoints accept 'application/json'; a body with no Content-Type header at all is assumed to be JSON. File-upload endpoints accept only 'multipart/form-data' — JSON or undeclared bodies are rejected there.",
  "resolution": "Send the request body with the 'Content-Type: application/json' header. For file uploads, use 'Content-Type: multipart/form-data' — upload endpoints accept no other body type.",
  "docs": "https://v2.docs.conduit.financial/errors#unsupported-media-type",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "VIRTUAL_ACCOUNT_NOT_ACTIVE",
  "title": "Virtual Account Not Active",
  "status": 422,
  "detail": "The virtual account is not in active status and cannot accept deposits at this time.",
  "resolution": "Check the virtual account's current status. Only active virtual accounts can receive simulated deposits.",
  "docs": "https://v2.docs.conduit.financial/errors#virtual-account-not-active",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "RATE_LIMITED",
  "title": "Rate Limited",
  "status": 429,
  "detail": "Too many requests. This error is returned by three independent checks: the per-organization bucket applied to every authenticated API request; the per-IP bucket applied to unauthenticated traffic before an API key is validated; and the per-IP bucket applied when repeated invalid API keys are submitted from the same address. Honor the Retry-After header (also exposed as retryAfterSeconds in the body) before retrying. Current limits and remaining budget are visible in X-RateLimit-Limit (the bucket size), X-RateLimit-Remaining, and X-RateLimit-Reset (seconds until the bucket refills) on every response once your API key is accepted.",
  "resolution": "Sleep until Retry-After seconds have elapsed, then retry. For sustained workloads exceeding the per-organization defaults, request a rate-limit increase through your support contact.",
  "docs": "https://v2.docs.conduit.financial/errors#rate-limited",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z",
  "retryAfterSeconds": 3
}

{
  "type": "INTERNAL_ERROR",
  "title": "Internal Error",
  "status": 500,
  "detail": "An unexpected error occurred while processing your request.",
  "resolution": "Retry the request after a brief delay. If the error persists, contact support and include the correlationId from the error response for investigation.",
  "docs": "https://v2.docs.conduit.financial/errors#internal-error",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "RAIL_UNAVAILABLE",
  "title": "Payment rail unavailable",
  "status": 503,
  "detail": "No viable payment rail was available for the requested corridor. No funds were moved.",
  "resolution": "Retry later. If the corridor is persistently unavailable, contact support.",
  "docs": "https://v2.docs.conduit.financial/errors#rail-unavailable",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}