> ## Documentation Index
> Fetch the complete documentation index at: https://v2.docs.conduit.financial/llms.txt
> Use this file to discover all available pages before exploring further.

# Simulate a fiat deposit to a sandbox virtual account

> Accepts a synthetic fiat deposit event for an ACTIVE sandbox virtual account. The event is processed exactly like a real provider deposit notification — asynchronously — so the response is an acknowledgement carrying the `externalReference` the deposit is detected under, not the deposit itself. Observe the deposit via the `transaction.created` webhook or `GET /v2/transactions?externalReference=…`. Re-using an `externalReference` re-acknowledges the existing deposit rather than creating a second one.



## OpenAPI

````yaml https://api.sandbox.conduit.financial/v2/api-docs/openapi.json post /sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate
openapi: 3.0.0
info:
  title: Conduit Sandbox API
  description: >-
    **Sandbox API** — clients integrate against this surface to exercise happy
    and unhappy paths without consuming real KYC/PSP credits or moving real
    money. Customer KYC, banking partners, and crypto custody are stubbed;
    org-level KYB runs against real providers. Simulation endpoints under
    `/v2/sandbox/*` drive specific scenarios.


    Internal and portal endpoints are excluded from this spec.
  version: '2.0'
  contact: {}
servers:
  - url: https://api.sandbox.conduit.financial/v2
    description: Sandbox
  - url: https://api.conduit.financial/v2
    description: Production
security:
  - api-key: []
tags:
  - name: Customers
  - name: Registered Addresses
  - name: Wallets
  - name: Wallet Signers
  - name: Signing Quorum
  - name: Virtual Accounts
  - name: Applications
  - name: Documents
  - name: Verifications
  - name: Signing Requests
  - name: Transactions
  - name: Payouts
  - name: Whitelist Recipients
  - name: Orders
  - name: RFIs
  - name: Webhook Endpoints
  - name: Webhook Deliveries
  - name: Webhook Event Types
  - name: Features
  - name: Customer Onboarding
  - name: Sandbox
paths:
  /sandbox/customers/{customerId}/virtual-accounts/{virtualAccountId}/deposits/simulate:
    post:
      tags:
        - Sandbox
      summary: Simulate a fiat deposit to a sandbox virtual account
      description: >-
        Accepts a synthetic fiat deposit event for an ACTIVE sandbox virtual
        account. The event is processed exactly like a real provider deposit
        notification — asynchronously — so the response is an acknowledgement
        carrying the `externalReference` the deposit is detected under, not the
        deposit itself. Observe the deposit via the `transaction.created`
        webhook or `GET /v2/transactions?externalReference=…`. Re-using an
        `externalReference` re-acknowledges the existing deposit rather than
        creating a second one.
      operationId: DepositsSandboxController_simulateFiatDeposit_v2
      parameters:
        - name: customerId
          required: true
          in: path
          schema:
            type: string
        - name: virtualAccountId
          required: true
          in: path
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SimulateFiatDepositDtoClass'
      responses:
        '202':
          description: Deposit accepted for ingestion; carries the reference to poll on
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SimulatedFiatDepositDto'
        '400':
          description: >-
            **INVALID_OID_FORMAT**: A path or query parameter expected a valid
            object identifier but received a value that does not match the
            expected format.


            **VALIDATION_ERROR**: The request body or query parameters failed
            validation. One or more fields have invalid values, missing required
            properties, or incorrect types. Multipart file uploads that fail at
            the multipart-parser layer (unexpected form-field name, too many
            parts) carry an extra 'field' member naming the offending
            form-field.


            **MALFORMED_JSON**: The request body could not be parsed as JSON.
            Bodies declared as 'application/json' — and bodies with no
            Content-Type header, which are assumed to be JSON — must contain
            syntactically valid JSON.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDto'
              example:
                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://conduit-v2.mintlify.app/errors#invalid-oid-format
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
        '401':
          description: >-
            **API_KEY_MISSING**: The request did not include an API key. All API
            requests must be authenticated.


            **API_KEY_INVALID**: The provided API key is not recognized or has
            been revoked.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailDto'
              example:
                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://conduit-v2.mintlify.app/errors#api-key-missing
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
        '403':
          description: >-
            **API_KEY_READ_ONLY**: This API key has read-only access and cannot
            perform write operations. Read-only keys may make read requests
            (GET, HEAD, OPTIONS) only.


            **FEATURE_NOT_ENABLED**: Your account does not have access to this
            feature. Features are enabled on a per-account basis.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailDto'
              example:
                type: API_KEY_READ_ONLY
                title: API Key Is Read-Only
                status: 403
                detail: >-
                  This API key has read-only access and cannot perform write
                  operations. Read-only keys may make read requests (GET, HEAD,
                  OPTIONS) only.
                resolution: >-
                  Use a read-write API key for this request, or have an
                  organization admin mint one from the dashboard.
                docs: https://conduit-v2.mintlify.app/errors#api-key-read-only
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
        '404':
          description: >-
            **VIRTUAL_ACCOUNT_NOT_FOUND**: No virtual account exists for the
            requested customer and asset, or the virtual account belongs to a
            different organization.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailDto'
              example:
                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://conduit-v2.mintlify.app/errors#virtual-account-not-found
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
        '415':
          description: >-
            **UNSUPPORTED_MEDIA_TYPE**: 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.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailDto'
              example:
                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://conduit-v2.mintlify.app/errors#unsupported-media-type
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
        '422':
          description: >-
            **VIRTUAL_ACCOUNT_NOT_ACTIVE**: The virtual account is not in active
            status and cannot accept deposits at this time.


            **VIRTUAL_ACCOUNT_ASSET_MISMATCH**: The asset or chain specified in
            the request does not match the virtual account's configured asset.


            **UNPROCESSABLE_ENTITY**: The request was well-formed but could not
            be processed due to semantic errors or business rule violations.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailDto'
              example:
                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://conduit-v2.mintlify.app/errors#virtual-account-not-active
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
        '429':
          description: >-
            **RATE_LIMITED**: 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,
            X-RateLimit-Remaining, and X-RateLimit-Reset on rate-limited route
            responses.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RateLimitedErrorDto'
              example:
                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, X-RateLimit-Remaining, and
                  X-RateLimit-Reset on rate-limited route responses.
                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://conduit-v2.mintlify.app/errors#rate-limited
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
                retryAfterSeconds: 3
        '500':
          description: >-
            **INTERNAL_ERROR**: An unexpected error occurred while processing
            your request.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailDto'
              example:
                type: INTERNAL_ERROR
                title: Internal Error
                status: 500
                detail: An unexpected error occurred while processing your request.
                resolution: >-
                  Retry the request after a brief delay. If the error persists,
                  contact support and include the correlationId from the error
                  response for investigation.
                docs: https://conduit-v2.mintlify.app/errors#internal-error
                instance: /v2/...
                correlationId: req_a1b2c3d4
                timestamp: '2026-01-15T09:30:00.000Z'
components:
  schemas:
    SimulateFiatDepositDtoClass:
      type: object
      properties:
        outcome:
          type: string
          enum:
            - completed
            - frozen
            - returned
        externalReference:
          type: string
          minLength: 1
          maxLength: 255
        detectedAt:
          type: string
          format: date-time
          pattern: >-
            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$
        assetAmount:
          type: object
          properties:
            code:
              type: string
              enum:
                - USD
                - EUR
                - GBP
                - CHF
                - JPY
                - CAD
                - AUD
                - NZD
                - SGD
                - HKD
                - CNY
                - KRW
                - INR
                - BRL
                - MXN
                - ARS
                - CLP
                - COP
                - PEN
                - ZAR
                - NGN
                - KES
                - GHS
                - EGP
                - AED
                - SAR
                - ILS
                - TRY
                - PLN
                - CZK
                - HUF
                - SEK
                - NOK
                - DKK
                - THB
                - IDR
                - MYR
                - PHP
                - VND
                - TWD
                - USDC
                - USDT
                - DAI
                - EURC
                - PYUSD
                - BTC
                - ETH
                - SOL
                - TRX
              description: Asset code (USDC, USD, etc.)
            chain:
              description: >-
                Chain when the asset is on-chain; omitted for fiat. Accepts
                uppercase or lowercase on input.
              type: string
              enum:
                - ethereum
                - base
                - solana
                - polygon
                - arbitrum
                - optimism
                - avalanche
                - tron
                - stellar
                - bsc
                - bitcoin
            amount:
              type: string
              description: Decimal string, asset-precision rounded
          required:
            - code
            - amount
          additionalProperties: false
        provider:
          type: string
          enum:
            - mock_bank
            - mock_bank_2
          description: >-
            Which sandbox mock provider's bank account to credit. Defaults to
            MOCK_BANK.
        rail:
          type: string
          enum:
            - ach
            - fedwire
            - rtp
        senderInfo:
          type: object
          properties:
            name:
              type: string
            accountNumber:
              type: string
            routingNumber:
              type: string
            iban:
              type: string
            bic:
              type: string
            country:
              type: string
      required:
        - assetAmount
      additionalProperties: false
    SimulatedFiatDepositDto:
      type: object
      properties:
        externalReference:
          type: string
          description: >-
            Payment reference the deposit is detected under — the one supplied
            on the request with surrounding whitespace trimmed, or a synthetic
            `sandbox_…` reference when it was omitted. Poll `GET
            /v2/transactions?externalReference=…` to observe the deposit.
      required:
        - externalReference
      example:
        externalReference: sandbox_8c41e7b2905f3a6d17e40b9c2a5f8de3
    ValidationErrorDto:
      type: object
      properties:
        type:
          type: string
          description: Machine-readable error code
          example: CUSTOMER_NOT_FOUND
        title:
          type: string
          description: Human-readable error type label
          example: Customer Not Found
        status:
          type: number
          description: HTTP status code
          example: 404
        detail:
          type: string
          description: Human-readable explanation of this occurrence
          example: Customer with id cus_abc123 not found
        resolution:
          type: string
          description: What the developer should do to resolve this error
          example: >-
            Verify the customer ID. Check you are using the correct API key for
            this organization.
        docs:
          type: string
          description: URL to error documentation
          example: https://conduit-v2.mintlify.app/errors#customer-not-found
        instance:
          type: string
          description: Request path that produced the error
          example: /v2/customers/cus_abc123
        correlationId:
          description: Request correlation ID
          example: req_a1b2c3d4
          type: string
        timestamp:
          type: string
          description: ISO 8601 UTC timestamp
          example: '2026-04-27T20:00:00.000Z'
        details:
          description: >-
            Additional structured data for domain-specific errors (e.g. missing
            field lists, pair info)
        errors:
          type: array
          items:
            type: object
            properties:
              pointer:
                type: string
                description: JSON pointer to the invalid field
                example: /email
              detail:
                type: string
                description: What is wrong with this field
                example: Invalid email format
              allowedValues:
                description: The values this field accepts, when it is a closed set
                example:
                  - ach
                  - fedwire
                  - rtp
                type: array
                items:
                  type: string
              category:
                description: >-
                  Class of blocker (requirements-validator output only). 'field'
                  = form-field gap, 'document' = missing or insufficient
                  document (including per-UBO document slots), 'individual' =
                  required person missing.
                example: field
                type: string
                enum:
                  - field
                  - document
                  - individual
            required:
              - pointer
              - detail
      required:
        - type
        - title
        - status
        - detail
        - resolution
        - docs
        - instance
        - timestamp
    ProblemDetailDto:
      type: object
      properties:
        type:
          type: string
          description: Machine-readable error code
          example: CUSTOMER_NOT_FOUND
        title:
          type: string
          description: Human-readable error type label
          example: Customer Not Found
        status:
          type: number
          description: HTTP status code
          example: 404
        detail:
          type: string
          description: Human-readable explanation of this occurrence
          example: Customer with id cus_abc123 not found
        resolution:
          type: string
          description: What the developer should do to resolve this error
          example: >-
            Verify the customer ID. Check you are using the correct API key for
            this organization.
        docs:
          type: string
          description: URL to error documentation
          example: https://conduit-v2.mintlify.app/errors#customer-not-found
        instance:
          type: string
          description: Request path that produced the error
          example: /v2/customers/cus_abc123
        correlationId:
          description: Request correlation ID
          example: req_a1b2c3d4
          type: string
        timestamp:
          type: string
          description: ISO 8601 UTC timestamp
          example: '2026-04-27T20:00:00.000Z'
        details:
          description: >-
            Additional structured data for domain-specific errors (e.g. missing
            field lists, pair info)
      required:
        - type
        - title
        - status
        - detail
        - resolution
        - docs
        - instance
        - timestamp
    RateLimitedErrorDto:
      type: object
      properties:
        type:
          type: string
          description: Machine-readable error code
          example: CUSTOMER_NOT_FOUND
        title:
          type: string
          description: Human-readable error type label
          example: Customer Not Found
        status:
          type: number
          description: HTTP status code
          example: 404
        detail:
          type: string
          description: Human-readable explanation of this occurrence
          example: Customer with id cus_abc123 not found
        resolution:
          type: string
          description: What the developer should do to resolve this error
          example: >-
            Verify the customer ID. Check you are using the correct API key for
            this organization.
        docs:
          type: string
          description: URL to error documentation
          example: https://conduit-v2.mintlify.app/errors#customer-not-found
        instance:
          type: string
          description: Request path that produced the error
          example: /v2/customers/cus_abc123
        correlationId:
          description: Request correlation ID
          example: req_a1b2c3d4
          type: string
        timestamp:
          type: string
          description: ISO 8601 UTC timestamp
          example: '2026-04-27T20:00:00.000Z'
        details:
          description: >-
            Additional structured data for domain-specific errors (e.g. missing
            field lists, pair info)
        retryAfterSeconds:
          type: integer
          minimum: 0
          exclusiveMinimum: true
          maximum: 9007199254740991
          description: Seconds to wait before retrying
          example: 3
      required:
        - type
        - title
        - status
        - detail
        - resolution
        - docs
        - instance
        - timestamp
        - retryAfterSeconds
  securitySchemes:
    api-key:
      type: apiKey
      in: header
      name: x-api-key

````