--- title: "Open a fiat-only USD account in the US" description: "Open a USD account at a US bank for a US resident or a US company, with no stablecoin, so deposits stay in dollars." --- Open a USD account at a US bank for a US resident or a US company, with no stablecoin. Deposits stay in dollars. **API version:** v2. **Who it is for.** A US payroll platform that holds the dollars of employees and small US businesses at a US bank, without any stablecoin. **Status.** Available for US residents and US-incorporated businesses. For anyone else, fiat-only USD is Not supported, except [in Kenya](/recipes/accounts-v2/open-an-account-held-in-kenya). ## Money example Rocky Mountain Bakery LLC in Denver receives 3,200.00 USD from a catering client. 1. The client pays 3,200.00 USD by ACH to the account and routing number. 2. The bank credits 3,200.00 USD. Gravv books the deposit and sends `transfer.inflow.completed`. Gravv converts nothing. 3. The account's balance is the bank's own figure (`balance_source` `institution`). ## Before you start - The customer's `basic` KYC is `completed`. For a business, every associated person's KYC is `completed` first. - The customer is a US resident (`citizenship_country` `US`) or a US company (`incorporation_country` `US`). Capabilities with `country=US` show a USD option with `token_wallets: []`. Sandbox lists this option for customers in other countries too, so do not rely on capabilities to stop a non-US customer. - The option usually allows **one** account per customer. Check `max_accounts_per_customer`. ## Find out what is required Read requirements with the option's `bank_code` and `country=US`. | | A person | A business | | :-- | :-- | :-- | | Always | Names, `date_of_birth`, `email`, `phone_daytime`, `citizenship_country`, `permanent_address`, `employment_status`, and `expected_activity` (`expected_avg_daily_balance`, `ach_in.monthly_count`, `ach_in.monthly_amount`) | `legal_name`, `email`, `registration_number`, `incorporation_country`, `incorporation_date`, `tax_id_type` (`ein` in the US), `tax_id_number`, `industry` (from its `options`), `business_status`, `business_entity_type`, `business_address`, `expected_activity` | | When it applies | `employer_info` when `employed`. `income_source` with no employer. `tax_id_type` (`ssn` for a US citizen) and `tax_id_number` | `corporation_taxed_as` for a `corporation`. `llc_taxed_as` for an `llc` | | Parties | None | 1 to 10, each with names, `email`, `party_role` (`primary`, `authorized_individual`, …), `date_of_birth`, `citizenship_country`, `permanent_address` **and** `mailing_address`. A party with ownership also needs `ownership_percentage`. A US citizen also needs `tax_id_type` `ssn` and `tax_id_number` | | Documents | One identity document and `proof_of_address` | `articles_of_incorporation`, `ownership_document`, `proof_of_address` and `control_structure`, plus one identity document per party | The API refuses P.O. Box addresses. The form also has rules for non-US persons, such as a W-8BEN tax form. Those rules apply only to non-US citizens or companies. ## Steps ### 1. Open the account, with no `network` ```bash title="cURL" curl --request POST \ --url https://api.gravv.xyz/v2/accounts \ --header 'Api-Key: ' \ --header 'Idempotency-Key: d309b5ae-0a87-423a-aae0-2411d53100c8' \ --header 'Content-Type: application/json' \ --data ' { "customer_id": "4b7d1e2a-9c3f-4a5b-8d6e-0f1a2b3c4d5e", "customer_type": "business", "currency": "USD", "account_type": "operating", "category": "sub_account", "bank_code": "", "label": "Rocky Mountain Bakery USD", "data": { "root": { "legal_name": "Rocky Mountain Bakery LLC", "email": "accounts@rockymountainbakery.example", "registration_number": "20151234567", "incorporation_country": "US", "incorporation_date": "2015-06-01", "tax_id_type": "ein", "tax_id_number": "841234567", "industry": "manufacturing", "business_status": "operating", "business_entity_type": "llc", "llc_taxed_as": "partnership", "business_address": {"address_line": "1600 Pearl Street", "city": "Denver", "state": "US-CO", "postal_code": "80202", "country": "US"}, "expected_activity": {"expected_avg_daily_balance": 25000, "ach_in": {"monthly_count": 40, "monthly_amount": 60000}} }, "parties": [ { "id": "e1f2a3b4-c5d6-4e7f-8a9b-0c1d2e3f4a5b", "party_role": "primary", "date_of_birth": "1984-11-02", "citizenship_country": "US", "has_ownership": true, "ownership_percentage": 100, "tax_id_type": "ssn", "tax_id_number": "123456780", "permanent_address": {"address_line": "88 Elm Avenue", "city": "Denver", "state": "US-CO", "postal_code": "80203", "country": "US"}, "mailing_address": {"address_line": "88 Elm Avenue", "city": "Denver", "state": "US-CO", "postal_code": "80203", "country": "US"}, "documents": [ {"document_type": "drivers_license", "document_type_side": "front", "issuing_country": "US", "number": "D1234567", "issued_date": "2022-04-10", "expiration_date": "2030-04-10", "filename": "dl-front.jpg", "content": ""} ] } ], "documents": [ {"document_type": "articles_of_incorporation", "issuing_country": "US", "filename": "articles.pdf", "content": ""}, {"document_type": "ownership_document", "issuing_country": "US", "filename": "operating-agreement.pdf", "content": ""}, {"document_type": "proof_of_address", "issuing_country": "US", "filename": "lease.pdf", "content": ""}, {"document_type": "control_structure", "issuing_country": "US", "filename": "control.pdf", "content": ""} ] } } ' ``` ```javascript title="Node" const response = await fetch("https://api.gravv.xyz/v2/accounts", { method: "POST", headers: { "Api-Key": process.env.GRAVV_API_KEY, "Idempotency-Key": "d309b5ae-0a87-423a-aae0-2411d53100c8", "Content-Type": "application/json", }, body: JSON.stringify({ "customer_id": "4b7d1e2a-9c3f-4a5b-8d6e-0f1a2b3c4d5e", "customer_type": "business", "currency": "USD", "account_type": "operating", "category": "sub_account", "bank_code": "", "label": "Rocky Mountain Bakery USD", "data": { "root": { "legal_name": "Rocky Mountain Bakery LLC", "email": "accounts@rockymountainbakery.example", "registration_number": "20151234567", "incorporation_country": "US", "incorporation_date": "2015-06-01", "tax_id_type": "ein", "tax_id_number": "841234567", "industry": "manufacturing", "business_status": "operating", "business_entity_type": "llc", "llc_taxed_as": "partnership", "business_address": { "address_line": "1600 Pearl Street", "city": "Denver", "state": "US-CO", "postal_code": "80202", "country": "US" }, "expected_activity": { "expected_avg_daily_balance": 25000, "ach_in": { "monthly_count": 40, "monthly_amount": 60000 } } }, "parties": [ { "id": "e1f2a3b4-c5d6-4e7f-8a9b-0c1d2e3f4a5b", "party_role": "primary", "date_of_birth": "1984-11-02", "citizenship_country": "US", "has_ownership": true, "ownership_percentage": 100, "tax_id_type": "ssn", "tax_id_number": "123456780", "permanent_address": { "address_line": "88 Elm Avenue", "city": "Denver", "state": "US-CO", "postal_code": "80203", "country": "US" }, "mailing_address": { "address_line": "88 Elm Avenue", "city": "Denver", "state": "US-CO", "postal_code": "80203", "country": "US" }, "documents": [ { "document_type": "drivers_license", "document_type_side": "front", "issuing_country": "US", "number": "D1234567", "issued_date": "2022-04-10", "expiration_date": "2030-04-10", "filename": "dl-front.jpg", "content": "" } ] } ], "documents": [ { "document_type": "articles_of_incorporation", "issuing_country": "US", "filename": "articles.pdf", "content": "" }, { "document_type": "ownership_document", "issuing_country": "US", "filename": "operating-agreement.pdf", "content": "" }, { "document_type": "proof_of_address", "issuing_country": "US", "filename": "lease.pdf", "content": "" }, { "document_type": "control_structure", "issuing_country": "US", "filename": "control.pdf", "content": "" } ] } }), }); console.log(response.status, await response.json()); ``` ```python title="Python" import os import requests response = requests.post( "https://api.gravv.xyz/v2/accounts", headers={ "Api-Key": os.environ["GRAVV_API_KEY"], "Idempotency-Key": "d309b5ae-0a87-423a-aae0-2411d53100c8", "Content-Type": "application/json", }, json={ "customer_id": "4b7d1e2a-9c3f-4a5b-8d6e-0f1a2b3c4d5e", "customer_type": "business", "currency": "USD", "account_type": "operating", "category": "sub_account", "bank_code": "", "label": "Rocky Mountain Bakery USD", "data": { "root": { "legal_name": "Rocky Mountain Bakery LLC", "email": "accounts@rockymountainbakery.example", "registration_number": "20151234567", "incorporation_country": "US", "incorporation_date": "2015-06-01", "tax_id_type": "ein", "tax_id_number": "841234567", "industry": "manufacturing", "business_status": "operating", "business_entity_type": "llc", "llc_taxed_as": "partnership", "business_address": { "address_line": "1600 Pearl Street", "city": "Denver", "state": "US-CO", "postal_code": "80202", "country": "US", }, "expected_activity": { "expected_avg_daily_balance": 25000, "ach_in": { "monthly_count": 40, "monthly_amount": 60000, }, }, }, "parties": [ { "id": "e1f2a3b4-c5d6-4e7f-8a9b-0c1d2e3f4a5b", "party_role": "primary", "date_of_birth": "1984-11-02", "citizenship_country": "US", "has_ownership": True, "ownership_percentage": 100, "tax_id_type": "ssn", "tax_id_number": "123456780", "permanent_address": { "address_line": "88 Elm Avenue", "city": "Denver", "state": "US-CO", "postal_code": "80203", "country": "US", }, "mailing_address": { "address_line": "88 Elm Avenue", "city": "Denver", "state": "US-CO", "postal_code": "80203", "country": "US", }, "documents": [ { "document_type": "drivers_license", "document_type_side": "front", "issuing_country": "US", "number": "D1234567", "issued_date": "2022-04-10", "expiration_date": "2030-04-10", "filename": "dl-front.jpg", "content": "", }, ], }, ], "documents": [ { "document_type": "articles_of_incorporation", "issuing_country": "US", "filename": "articles.pdf", "content": "", }, { "document_type": "ownership_document", "issuing_country": "US", "filename": "operating-agreement.pdf", "content": "", }, { "document_type": "proof_of_address", "issuing_country": "US", "filename": "lease.pdf", "content": "", }, { "document_type": "control_structure", "issuing_country": "US", "filename": "control.pdf", "content": "", }, ], }, }, ) print(response.status_code, response.json()) ``` The API returns `{"account_id": "…", "status": "pending"}`. ### 2. Follow it until it is active Read `GET /v2/accounts/{id}`, or wait for `applications.accounts.completed`, as in [the wallet-backed recipe](/recipes/accounts-v2/open-a-wallet-backed-usd-account-for-a-person#2-follow-it-until-it-is-active). If the application stops, see [Unblock an application](/recipes/accounts-v2/unblock-an-application). ### 3. Give the details to the payer Follow [Share account details and receive a deposit](/recipes/accounts-v2/share-account-details-and-receive-a-deposit). In live, this option's account does not return `virtual_account_bank_name` or `_bank_address` yet, so show the account's `bank_name`. Returning those fields is Not yet available. ## What can go wrong Every error in the [wallet-backed recipes](/recipes/accounts-v2/open-a-wallet-backed-usd-account-for-a-business#what-can-go-wrong) that does not concern the network can happen here too. These errors are specific to this option: | Response | Why | Fix | | :-- | :-- | :-- | | 400 `network is only accepted for account options that support wallet integration` | You sent `network` to a fiat-only option | Remove it | | 400 `bank_code= does not open accounts for customers resident in GB. …` (`COUNTRY_NOT_SERVED`) | The customer is not a US customer | Open a [wallet-backed USD account](/recipes/accounts-v2/open-a-wallet-backed-usd-account-for-a-person) | | 409 `this customer already holds the maximum number of USD accounts permitted for this account type (1)` | The option allows one account per customer | Use the existing account | | 400 `details.tax_id_type`: `guard_violation: must be ein when incorporation_country is US` | A US company sent `tin` | Send `ein` | | 400 `details.party[0].tax_id_type`: `guard_violation: must be ssn when citizenship_country is US` | A US-citizen party sent `tin` | Send `ssn` | | 400 `details.industry`: `invalid_enum: …` | The value is not in the list | Send one of the field's `options`, such as `manufacturing` | | 400 `details.llc_taxed_as`: `required: is required` | An `llc` has no tax class | Send `c_corp`, `s_corp` or `partnership` | ## Webhooks you will receive Gravv sends `applications.accounts.*` events until the account is active. For each deposit, Gravv sends `transfer.inflow.completed`. ## Testing in sandbox Sandbox calls the bank's own test system, so activation is not instant. Simulate deposits with `rail` `ach` or `wire`. See [Test accounts with a simulated deposit](/recipes/accounts-v2/test-accounts-with-a-simulated-deposit). ## Reference - [Create an account](/api-reference/accounts-v2/post-v2-accounts) - [Get account requirements](/api-reference/accounts-v2/get-v2-accounts-requirements) - [List and read accounts](/platform/accounts/list-and-read-accounts)