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

# Deposit Accounts Overview

> Permanent crypto deposit addresses for user balances with automatic sweep to your virtual account.

Deposit accounts are permanent pay-in wallets under your organisation’s [Virtual Accounts](/settlement/virtual-accounts). Use them when each user holds a **balance** and can top up any amount over time (iGaming, prepaid wallets, account funding).

## How it works

1. You create or ensure a **Ready** primary virtual account
2. For each user, call create pay-in address with `reference` = your user id and a `chain_id`
3. Show the address (and memo/tag when the chain requires one)
4. Deposits to that sub-account are **automatically swept** to the parent virtual account
5. You credit the user’s balance only after verified webhooks / payment events

## When not to use deposits

For a single fixed charge for a product, use [Payments Overview](/payments/overview) instead.

## Prerequisites

* Virtual account created and ready ([Virtual Accounts](/settlement/virtual-accounts))
* [Authentication](/authentication) for pay-in address creation
* [Verify Webhook Signatures](/webhooks/verify-signatures)

## Asset and network safety

<Danger>
  Only instruct users to send assets that are **enabled on the chain you requested** for that deposit wallet. Transfers of wrong tokens, wrong networks, or assets outside your virtual-account configuration may not be detected or credited. Review [Networks and Currencies](/pricing/networks-and-currencies). When recovery is possible, [pricing](/pricing/fees-and-pricing) describes payment recovery fees.
</Danger>

Supported deposit-wallet namespaces (merchant pay-in API) are EVM, Solana, Tron, and Bitcoin. TON and Celo deposit wallets are rejected by the API.

## Partner APIs

Platform partners can create virtual accounts and deposit wallets under `/partners/accounts/...`. Merchant guides focus on `/accounts/virtual/...`. See the API reference Partners tags if you integrate as a partner.

## Next steps

* [Create a Deposit Address](/deposits/create-address)
* [Cookbook: User Balance Deposits](/deposits/cookbook-user-balance)