Lux Financial

External Accounts

Bank accounts and crypto addresses for customer fund transfers.

External Accounts

External accounts represent bank accounts and crypto addresses used for customer fund transfers.

Types

TypeDescription
us_bank_accountUS ACH/Wire (routing + account number)
international_bank_accountSWIFT (IBAN + BIC)
mx_bank_accountMexico SPEI (CLABE)
crypto_addressBlockchain address

Create a US Bank Account

POST /v0/external-accounts
{
  "customer_id": "cus_abc123",
  "type": "us_bank_account",
  "account_name": "Business Checking",
  "account_type": "checking",
  "routing_number": "021000021",
  "account_number": "1234567890"
}

Create an International Bank Account

{
  "customer_id": "cus_abc123",
  "type": "international_bank_account",
  "account_name": "EUR Account",
  "iban": "DE89370400440532013000",
  "bic": "COBADEFFXXX",
  "bank_name": "Commerzbank",
  "bank_country": "DE"
}

Create a Crypto Address

{
  "customer_id": "cus_abc123",
  "type": "crypto_address",
  "chain": "ethereum",
  "address": "0x71C7656EC7ab88b098defB751B7401B5f6d8976F",
  "label": "MetaMask"
}

Micro-Deposit Verification

US bank accounts require micro-deposit verification:

POST /v0/external-accounts/{id}/verify
{
  "amounts": ["0.12", "0.34"]
}

Endpoints

POST   /v0/external-accounts                  # Create
GET    /v0/external-accounts                  # List
GET    /v0/external-accounts/{id}             # Retrieve
DELETE /v0/external-accounts/{id}             # Remove
POST   /v0/external-accounts/{id}/verify      # Verify (micro-deposits)

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