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

# Pay-ins

> Open a virtual account and receive bank transfers.

<Steps>
  <Step title="Verify the account holder">
    `POST /v1/ramp/identity/resolve` with `country_code`, `id_type`, and `id_number` returns the resolved name and details so you can match them against what the customer gave you. Onstacks does not persist the number.
  </Step>

  <Step title="Create the virtual account">
    `POST /v1/ramp/virtual-accounts` with the fiat `asset`, `account_name`, the verified `identity`, and your `customer_reference`. The response returns the bank, account number, and account name to show the payer.
  </Step>

  <Step title="Receive transfers">
    Each transfer into the account is credited to the workspace and appears as a payment with `direction: on_ramp`. Track it like any payment, by polling or through `ramp.payment.*` webhooks.
  </Step>
</Steps>

`GET /v1/ramp/virtual-accounts` lists the accounts in the workspace, filterable by `asset` and `status`.


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