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Virtual accounts in Bread represent global bank accounts that enable multi-currency fiat operations across major international markets. These accounts serve as the bridge between stablecoins and traditional banking systems worldwide, allowing you to receive deposits, process payments, and integrate seamlessly with local banking networks globally.
Bread currently supports global virtual accounts for major currencies including USD, EUR, GBP, NGN, and many more across Africa, Asia, Europe, Middle East, North America, and South America coming soon.

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Key Features

Global Coverage

Support for 50+ currencies across Africa, Asia, Europe, Middle East, Americas with local banking rails

Real-time Creation

Create virtual bank accounts instantly with automatic compliance checks

Banking Integration

Seamless integration with local banking networks and international payment systems

Automated Liquidation

Support for automated onramp and liquidation to configured crypto wallets

Compliance Built-in

Automatic compliance checks, AML screening and verification across all regions

Multi-Currency

Single API to manage accounts in multiple currencies with automatic settlement

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Best Practices

  • Create dedicated virtual accounts for each of your end users to ensure proper fund segregation
  • Choose account currencies based on your users’ geographic locations and preferred settlement methods
  • Implement account naming conventions that help you identify and manage user accounts at scale
  • Consider creating accounts in multiple currencies for users who operate internationally
  • Protect your service API keys with proper access controls and regular rotation
  • Implement comprehensive audit logging for all account creation and management activities
  • Monitor user account activity for suspicious patterns and transactions
  • Maintain compliance with financial regulations in all jurisdictions where you operate
  • Implement proper data encryption for storing user account and identity information

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Need Help?

Our team is here to help you succeed with account integration:
Need help? Contact our team at hello@bread.africa or Twitter.
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