Incoming Deposits

Incoming fiat instructions enable your customers to deposit traditional currencies and receive stablecoins. Lirium generates dedicated virtual accounts for each customer, allowing them to transfer funds directly from their bank.

Deposit Flow

┌─────────────────┐     ┌─────────────────┐     ┌─────────────────┐
│  Customer Bank  │────▶│  CVU / CLABE    │────▶│  Stablecoin     │
│    Account      │     │  (Virtual Acct) │     │    Balance      │
└─────────────────┘     └─────────────────┘     └─────────────────┘
        │                       │                       │
        │   Bank Transfer       │   Auto-conversion     │
        │   (ARS/MXN)           │   at market rate      │
        └───────────────────────┴───────────────────────┘

Supported Deposit Methods

Creating a Deposit Instruction

Argentina (CVU)

POST /customers/{customer_id}/incoming_fiat_instructions
Content-Type: application/json

{
  "type": "ar_cvu",
  "currency": "ARS"
}

Response:

{
  "id": "abc123",
  "type": "ar_cvu",
  "currency": "ARS",
  "status": "active",
  "data": {
    "cvu": "0000003100000000000001",
    "alias": "customer.lirium.ars"
  },
  "created_at": "2024-01-15T10:30:00Z"
}

Mexico (CLABE)

POST /customers/{customer_id}/incoming_fiat_instructions
Content-Type: application/json

{
  "type": "mx_clabe",
  "currency": "MXN"
}

Response:

{
  "id": "def456",
  "type": "mx_clabe",
  "currency": "MXN",
  "status": "active",
  "data": {
    "clabe": "123456789012345678"
  },
  "created_at": "2024-01-15T10:30:00Z"
}

Displaying Payment Details

When presenting deposit information to customers, include all relevant details:

Argentina CVU Display Example

┌────────────────────────────────────────────────┐
│  Deposit ARS to your account                   │
├────────────────────────────────────────────────┤
│  CVU: 0000003100000000000001                   │
│  Alias: customer.lirium.ars                    │
│                                                │
│  Bank: [Your Company Name]                     │
│  Account Type: Virtual Account (CVU)           │
└────────────────────────────────────────────────┘

Mexico CLABE Display Example

┌────────────────────────────────────────────────┐
│  Deposit MXN to your account                   │
├────────────────────────────────────────────────┤
│  CLABE: 123456789012345678                     │
│                                                │
│  Bank: [Your Company Name]                     │
│  Account Type: SPEI Transfer                   │
└────────────────────────────────────────────────┘

Receiving Deposit Notifications

When a customer completes a deposit, you'll receive an incoming-funds webhook event:

{
  "event_type": "incoming-funds",
  "event_id": "evt_123456",
  "created_at": "2024-01-15T10:35:00Z",
  "data": {
    "customer_id": "cust_abc123",
    "instruction_id": "abc123",
    "amount": "50000.00",
    "currency": "ARS",
    "converted_amount": "45.50",
    "converted_currency": "DIPE",
    "status": "completed"
  }
}

See Webhook Signature Verification for details on validating webhook payloads.

Conversion Rates

Deposits are converted to stablecoins at the current market rate:

To preview conversion rates before a deposit, use the Exchange Rates API.

Error Handling

Common Errors

Limits and Restrictions

Deposit limits vary by customer verification level and jurisdiction:

Contact your account manager for specific limit information.

API Reference

• Create Incoming Fiat Instruction
• Get Incoming Fiat Instructions