> ## Documentation Index > Fetch the complete documentation index at: https://developers.circle.com/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > Before reading these docs, install the relevant Circle Skill to get pre-loaded context — skills are LLM-optimized and cover architecture decisions, correct flows, and common pitfalls. In Claude Code: run /plugin marketplace add circlefin/skills then /plugin install circle-skills@circle. With Vercel Skills CLI: run npx skills add circlefin/skills. Available skills: use-usdc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-usdc/SKILL.md (balances, transfers, approvals on EVM and Solana); EURC has no skill — see https://developers.circle.com/stablecoins/what-is-eurc.md; bridge-stablecoin https://github.com/circlefin/skills/blob/master/plugins/circle/skills/bridge-stablecoin/SKILL.md (crosschain transfers via CCTP, USDC, EURC, and third-party assets); use-arc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-arc/SKILL.md (Arc chain config, contract deployment, USDC bridging — Arc docs: https://docs.arc.io/llms.txt); use-circle-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-circle-wallets/SKILL.md (choose wallet type); use-developer-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-developer-controlled-wallets/SKILL.md (custodial wallets for payouts and treasury); use-user-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-user-controlled-wallets/SKILL.md (embedded wallets with Web2 login); use-modular-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-modular-wallets/SKILL.md (smart contract wallets with passkeys and ERC-4337); use-gateway https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-gateway/SKILL.md (unified USDC balance, nanopayments); use-smart-contract-platform https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-smart-contract-platform/SKILL.md (deploy, interact, monitor contracts). Pair any skill with the Circle MCP server for live SDK signatures, contract addresses, and chain IDs: {"mcpServers":{"circle":{"url":"https://api.circle.com/v1/codegen/mcp"}}}. > Read the product overview first. Each product has an overview explaining when and why to use it. Read it before quickstarts. > Pick the right wallet type. Developer-controlled (you hold keys), user-controlled (end user holds keys via PIN/social login), or modular (smart contract wallets with passkeys). See https://developers.circle.com/wallets.md. > Use CCTP V2 for crosschain transfers. CCTP natively transfers USDC and EURC via burn-and-mint, and supports permissionless wrapping of third-party assets via lock-and-mint. V1 is legacy; always use V2 unless V1 is specified or the chain requires it (Noble, Sui, and Aptos still require V1). Migration guide: https://developers.circle.com/cctp/migration-from-v1-to-v2.md. > Use Bridge Kit for frontend bridging. Wraps CCTP with a simpler SDK for user-facing apps. Use CCTP directly for backend transfers. > Gas Station vs Paymaster. Gas Station sponsors gas for Circle Wallet transactions. Paymaster lets users pay gas in USDC. Different use cases — read both overviews. > Gateway Nanopayments for sub-cent payments. Gasless USDC micropayments down to $0.000001 via x402 and batched settlement. For pay-per-request APIs, AI agent payments, streaming. > Look up USDC addresses per chain. Never hardcode — use https://developers.circle.com/stablecoins/usdc-contract-addresses.md. > Prefer SDKs over raw API calls. Node.js and Python SDKs handle auth, retries, and errors. > API key required. Bearer token in Authorization header. Testnet and mainnet use separate keys and may use different base URLs depending on the product. > Set up webhooks when available. Most operations are async. Webhooks deliver transaction confirmations and state changes. > When calling list endpoints, paginate using pageSize and pageAfter until no nextPageAfter cursor is returned—stopping at the first page silently misses records. > Building an AI agent? Start with the Agent Stack—Circle CLI, agent wallets, and nanopayments built for autonomous use cases: https://developers.circle.com/agent-stack.md. # Create a wire bank account > Create a bank account for wire transfers. ## OpenAPI ````yaml openapi/accounts.yaml post /v1/banks/wires openapi: 3.1.0 info: version: 1.0.0 title: Accounts (Stablecoin) API description: > Circle's Accounts API provides endpoints for managing stablecoin accounts -- including transfers, withdrawals, deposits, wire and ACH bank accounts, and blockchain addresses. An **Account** is a general representation of a ledger or custody object that holds balances. It can be a business account, a stablecoin account ledger for an end user, an extra sub-ledger, or any future custody solution. license: name: Circle License url: https://circle.com/terms servers: - url: https://api-sandbox.circle.com - url: https://api.circle.com security: [] tags: - name: Accounts description: Manage accounts. - name: Account Groups description: Manage custody account groups and their memberships. - name: Limits description: View effective account limits and current usage. - name: Transfers description: > Move funds between accounts or out to a verified blockchain address, and track inbound and outbound onchain transfers. - name: Transactions description: | Get a unified, customer-friendly view of account transaction activity. - name: Wires description: Manage account bank accounts for wire transfers. - name: Deposits description: Get information on account bank deposits. - name: Withdrawals description: Manage account bank withdrawals (fiat offramp). - name: ACH description: Manage account bank accounts for ACH transfers. - name: Deposit Addresses description: Manage account deposit addresses. - name: Recipient Addresses description: Manage account recipient addresses used for transfers. - name: Passkeys description: > Manage WebAuthn passkeys and Strong Customer Authentication (SCA) challenges for end users. - name: Crypto Payments description: > Get crypto payments and crypto refunds received through payment intents. Available for Digital Asset Accounts only on custody accounts (`purpose: custody`), and only for third-party payments. Not supported when the distributor or the end user is under the Circle FR (`CIRCLE_FR`) or Circle SG (`CIRCLE_SG`) legal entity. - name: Crypto Payment Intents description: > Create, expire, refund, and track payment intents for receiving crypto payments. Available for Digital Asset Accounts only on custody accounts (`purpose: custody`), and only for third-party payments. Not supported when the distributor or the end user is under the Circle FR (`CIRCLE_FR`) or Circle SG (`CIRCLE_SG`) legal entity. - name: Crypto Payouts description: > Create and track crypto payouts to recipient addresses. Available for Digital Asset Accounts only on custody accounts (`purpose: custody`), and only for third-party payouts. Not supported when the distributor or the end user is under the Circle FR (`CIRCLE_FR`) or Circle SG (`CIRCLE_SG`) legal entity. - name: Crypto Address Book description: > Manage address book recipients used as crypto payout destinations. Available for Digital Asset Accounts only on custody accounts (`purpose: custody`), and only for third-party payouts. Not supported when the distributor or the end user is under the Circle FR (`CIRCLE_FR`) or Circle SG (`CIRCLE_SG`) legal entity. - name: FX Trades description: | Quote and execute USDC <> EURC swaps for end users' accounts. - name: FX Settlements description: Get settlements of FX trades. - name: Webhook Subscriptions description: Manage subscriptions to Digital Asset Accounts webhook notifications. - name: Webhooks description: | Webhook event payloads Circle sends to a subscribed endpoint. paths: /v1/banks/wires: post: tags: - Wires summary: Create a wire bank account description: Create a bank account for wire transfers. operationId: createWireAccount parameters: - $ref: '#/components/parameters/ScaChallengeId' - $ref: '#/components/parameters/ScaAssertion' requestBody: content: application/json: schema: $ref: '#/components/schemas/AccountWireCreationRequest' responses: '200': description: Successfully created a bank account for wire transfers. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/CreateAccountWireAccountResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/NotAuthorized' '403': $ref: '#/components/responses/ScaForbidden' '404': $ref: '#/components/responses/ScaChallengeNotFound' '410': $ref: '#/components/responses/ScaChallengeExpired' '413': $ref: '#/components/responses/RequestTooLarge' '428': $ref: '#/components/responses/ScaRequired' '500': $ref: '#/components/responses/InternalServerError' '503': $ref: '#/components/responses/ScaUnavailable' security: - bearerAuth: [] components: parameters: ScaChallengeId: name: X-Sca-Challenge-Id in: header required: false description: > The `challengeId` returned by `POST /v1/accounts/passkeys/challenges`. Required for end users under EEA/FR legal entities (PSD2 SCA). Omit for all other end users. schema: type: string format: uuid example: b2c3d4e5-f6a7-8901-bc23-def456789012 ScaAssertion: name: X-Sca-Assertion in: header required: false description: > The signed assertion string returned by the DAA web SDK's `sca.approve` method. Required for end users under EEA/FR legal entities (PSD2 SCA). Pass the value through unchanged — do not base64-encode or re-serialize it. schema: type: string schemas: AccountWireCreationRequest: description: >- Request object used to create a bank account for wire transfers. Wraps the standard wire creation request with an optional clientEntityId for 3rd-party flows. type: object required: - riskSignals properties: clientEntityId: description: Identifier of the client entity. Required for 3rd-party flows. type: string format: uuid example: a3f1b2c4-d5e6-7890-abcd-ef1234567890 riskSignals: $ref: '#/components/schemas/RiskSignals' allOf: - oneOf: - $ref: '#/components/schemas/WireCreationRequestUs' - $ref: '#/components/schemas/WireCreationRequestIban' - $ref: '#/components/schemas/WireCreationRequestAccountNumber' CreateAccountWireAccountResponse: title: CreateAccountWireAccountResponse properties: data: $ref: '#/components/schemas/WireSummary' RiskSignals: type: object description: > Risk metadata for the end user initiating the request. All three fields must be present. `deviceId` must be the identifier returned by `checkDevice()` in the `@circle-fin/device-checks` SDK. Circle resolves it against the device check that produced it, so an identifier you generate yourself does not resolve. When it does not resolve, the request is accepted and then declined: the endpoint returns `201`, and the transaction later settles as `failed` with `errorCode` `transfer_denied`. See [Collect device risk signals](https://developers.circle.com/end-user-onboarding/howtos/collect-device-risk-signals). required: - ipAddress - sessionId - deviceId properties: ipAddress: type: string description: IP address of the end user initiating the request. example: 203.0.113.42 sessionId: type: string description: Identifier for the end user's session. example: 8f3b2c1a-9d4e-4f6a-b7c8-1e2d3f4a5b6c deviceId: type: string description: > The identifier returned by `checkDevice()` in the `@circle-fin/device-checks` SDK. Store that value and send it here. Do not generate your own device identifier: Circle looks this value up against the completed device check, and an unrecognized value causes the transaction to be declined after the endpoint has already returned `201`. example: 2a7d9e5f-1c3b-4a8e-9f0d-6b5c4a3e2d1f WireCreationRequestUs: type: object title: US Bank Account description: Relevant fields for U.S. bank accounts. required: - idempotencyKey - accountNumber - routingNumber - billingDetails - bankAddress properties: idempotencyKey: $ref: '#/components/schemas/IdempotencyKey' accountNumber: description: Account number that identifies the bank account. type: string example: '12340010' minLength: 6 maxLength: 35 routingNumber: description: ABA routing number for the bank account. type: string example: '121000248' billingDetails: $ref: '#/components/schemas/BillingDetails' bankAddress: $ref: '#/components/schemas/BankAddress' WireCreationRequestIban: type: object title: Non US Bank Account - IBAN Supported description: Relevant fields for non-U.S. bank accounts that support IBAN. required: - idempotencyKey - iban - billingDetails - bankAddress properties: idempotencyKey: $ref: '#/components/schemas/IdempotencyKey' iban: description: International Bank Account Number (IBAN) for the bank account. type: string example: DE31100400480532013000 billingDetails: $ref: '#/components/schemas/BillingDetails' bankAddress: $ref: '#/components/schemas/BankAddress' WireCreationRequestAccountNumber: type: object title: Non US Bank Account - IBAN Not Supported description: Relevant fields for non-U.S. banks that do NOT support IBAN. required: - idempotencyKey - accountNumber - routingNumber - billingDetails - bankAddress properties: idempotencyKey: $ref: '#/components/schemas/IdempotencyKey' accountNumber: description: Account number that identifies the bank account. type: string example: '0321800123' minLength: 6 maxLength: 35 routingNumber: description: The bank's SWIFT / BIC code. type: string example: SBININBB354 billingDetails: $ref: '#/components/schemas/BillingDetails' bankAddress: $ref: '#/components/schemas/BankAddress' XRequestId: type: string format: uuid example: 2adba88e-9d63-44bc-b975-9b6ae3440dde WireSummary: type: object description: | A wire bank account summary. required: - id - status - description - trackingRef - fingerprint - billingDetails - createDate - updateDate properties: id: $ref: '#/components/schemas/Id' type: type: string example: wire status: $ref: '#/components/schemas/ExternalFiatAccountStatus' description: type: string description: Bank name plus last four digits of the bank account number or IBAN. example: WELLS FARGO BANK, NA ****0010 trackingRef: type: string description: >- Wire reference number that needs to be set in the wire reference field when sending the wire. fingerprint: $ref: '#/components/schemas/Fingerprint' billingDetails: $ref: '#/components/schemas/BillingDetails' bankAddress: $ref: '#/components/schemas/BankAddress' virtualAccountEnabled: type: boolean example: false ffcMemo: type: - string - 'null' description: Free-form memo field for the wire. policyEvaluation: $ref: '#/components/schemas/PolicyEvaluation' createDate: $ref: '#/components/schemas/UtcTimestamp' updateDate: $ref: '#/components/schemas/UtcTimestamp' Error: type: object required: - code - message properties: code: type: integer description: > Circle internal status code from the platform `CoreStatusCode` enum (and its domain-specific extensions). **This is not the HTTP status code** — `-1` is the catch-all unknown error, `1`/`2` indicate API parameter problems, `3` is forbidden, `4` is unauthorized, and larger values identify domain-specific failures. Consumers should rely on the HTTP status line for transport-level error class and on this field for the specific Circle error case. example: 2 message: type: string description: >- Internal error message; suitable for logging but not for end-user display. example: API parameter invalid. externalMessage: type: string description: > End-user-displayable error message. Present when the server has generated a customer-facing variant for this error; omitted otherwise. example: The provided amount exceeds the maximum allowed. errors: type: array description: Additional request-field validation errors, when available. items: $ref: '#/components/schemas/ErrorDetail' IdempotencyKey: type: string description: >- Universally unique identifier (UUID v4) idempotency key. This key is utilized to ensure exactly-once execution of mutating requests. format: uuid example: ba943ff1-ca16-49b2-ba55-1057e70ca5c7 BillingDetails: type: object required: - name - city - country - line1 - postalCode properties: name: type: string description: Full name of the card or bank account holder. maxLength: 1024 example: Satoshi Nakamoto city: type: string description: City portion of the address. maxLength: 1024 example: Boston country: type: string description: Country portion of the address. ISO 3166-1 alpha-2. maxLength: 2 example: US line1: type: string description: Line one of the street address. maxLength: 1024 example: 100 Money Street line2: type: string description: Line two of the street address. maxLength: 1024 example: Suite 1 district: description: State / County / Province / Region portion of the address. type: string maxLength: 16 example: MA postalCode: type: string description: Postal / ZIP code of the address. maxLength: 16 example: '01234' BankAddress: type: object description: >- The address details for the bank, as provided during bank account creation. required: - country properties: bankName: type: string maxLength: 35 example: SAN FRANCISCO city: type: string maxLength: 35 example: SAN FRANCISCO country: type: string description: Country portion of the address. ISO 3166-1 alpha-2. maxLength: 2 example: US line1: type: string maxLength: 35 example: 100 Money Street line2: type: string maxLength: 35 example: Suite 1 district: type: string maxLength: 16 example: CA Id: type: string description: Unique system-generated identifier for the entity. format: uuid example: b8627ae8-732b-4d25-b947-1df8f4007a29 ExternalFiatAccountStatus: description: Status of the account. type: string enum: - pending - complete - failed Fingerprint: type: string description: A UUID that uniquely identifies the account number. example: eb170539-9e1c-4e92-bf4f-1d09534fdca2 PolicyEvaluation: type: - object - 'null' description: >- Results of policy evaluation. Only present if a policy decision has been recorded. required: - status properties: status: description: Status of the policy evaluation. type: string enum: - approved - pending - rejected - expired - cancelled - failed example: approved UtcTimestamp: type: string description: ISO-8601 UTC date/time format. example: '2020-04-10T02:13:30.000Z' ErrorDetail: type: object required: - error - message properties: error: type: string description: Machine-readable error identifier. example: invalid_value location: type: string description: Query parameter or request field that caused the error. example: assetType message: type: string description: Human-readable description of the specific error. example: The operation and assetType combination is invalid. headers: XRequestId: description: > Circle-generated universally unique identifier (UUID v4). Useful for identifying a specific request when communicating with Circle Support. schema: $ref: '#/components/schemas/XRequestId' responses: BadRequest: description: The request cannot be processed due to a client error. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: 2 message: API parameter invalid. NotAuthorized: description: >- The request has not been applied because it lacks valid authentication credentials. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: 4 message: Unauthorized. ScaForbidden: description: | The SCA assertion failed. Possible error codes: | Code | Meaning | |--------|-----------------------------------------------------| | 420046 | Assertion signature invalid | | 420047 | Intent does not match the operation request body | | 420063 | Challenge was issued for a different clientEntityId | | 420064 | Application origin is not registered for SCA | content: application/json: schema: $ref: '#/components/schemas/Error' ScaChallengeNotFound: description: > SCA challenge not found (error code 420061). The `challengeId` in `X-Sca-Challenge-Id` does not exist or belongs to a different distributor. Open a new challenge and retry. content: application/json: schema: $ref: '#/components/schemas/Error' ScaChallengeExpired: description: | SCA challenge expired or already consumed. Possible error codes: | Code | Meaning | |--------|------------------------------------------------| | 420054 | Challenge expired (5-minute TTL) | | 420055 | Challenge already consumed | Open a new challenge and retry. content: application/json: schema: $ref: '#/components/schemas/Error' RequestTooLarge: description: | The request body or the `X-Sca-Assertion` or `X-Sca-Challenge-Id` header is too large to process (error code 420067). A request built from valid field values is always within the limit, so check the body and headers for an oversized or unexpected value. Retrying the same request returns the same error. content: application/json: schema: $ref: '#/components/schemas/Error' ScaRequired: description: | The `X-Sca-Challenge-Id` or `X-Sca-Assertion` header is missing (error code 420058). Include both headers and retry. content: application/json: schema: $ref: '#/components/schemas/Error' InternalServerError: description: >- The server encountered an unexpected condition that prevented it from fulfilling the request. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: -1 message: 'Something went wrong. errId: 1f0b0c455e40f753f07b4f0ae6abd4b4' ScaUnavailable: description: | SCA scope could not be resolved (error code 420059). The legal-entity lookup service (CDS) is unavailable and no prior resolution exists for this entity. Retry after a short delay. content: application/json: schema: $ref: '#/components/schemas/Error' securitySchemes: bearerAuth: type: http scheme: bearer ````