> ## Documentation Index > Fetch the complete documentation index at: https://docs.kemycard.com/llms.txt > Use this file to discover all available pages before exploring further. # Change the Destination > Changes where the net amount of the deposits is sent. The same rules as at creation apply: a USDC wallet on Solana of the same customer, or an external Solana address. The new destination applies to the deposits whose USDC has not arrived yet. A deposit whose USDC has already arrived keeps the destination it was given. A `failed` or `closed` account cannot be changed. ## OpenAPI ````yaml PATCH /virtual-accounts/{code}/destination openapi: 3.1.0 info: title: KemyCard API version: '1.0' description: > KemyCard API allows you to issue virtual and physical cards, manage KYC/POA verification, create crypto wallets, virtual bank accounts, purchase gift cards and send payouts to bank accounts (SEPA Instant in EUR, ACH in USD to the United States). Access depends on your plan (see [Plans and Pricing](/getting-started/plans)). The free Découverte plan gives access to virtual cards with the KYC and POA endpoints and to payouts (SEPA and ACH), within monthly limits (25 cards created and 5,000 USD loaded on cards per calendar month, 5,000 USD of payouts per calendar month), 30 requests per minute per API key, 2 allowed IP addresses and 1 active webhook endpoint. Starter, Business and Premium give access to every product with no monthly limit, 100 requests per minute per API key, 10 allowed IP addresses and 10 active webhook endpoints. Plan errors: `402 PLAN_UPGRADE_REQUIRED` (product not included in your plan), `403 PLAN_LIMIT_REACHED` (limit of your plan reached). While one of your ops balances is negative, every request other than `GET` returns `403 ACCOUNT_SUSPENDED_NEGATIVE_BALANCE`. contact: name: KemyCard API Support email: hi@kemycard.com servers: - url: https://api.kemycard.com/v1 description: Development (tests internes) - url: https://api.kemycard.com/v1 description: Production security: - BearerAuth: [] tags: - name: Customers description: Manage your customers - name: Card Products description: Browse the card product catalog - name: Cards description: Issue and manage cards - name: KYC description: Identity verification - name: POA description: Proof of address verification - name: Wallets description: Crypto wallets - name: Virtual Accounts description: > Virtual bank accounts in EUR, USD, BRL and MXN for your individual customers. Deposits are converted to USDC and sent, net of the KemyCard fee, to a USDC wallet on Solana of the customer or to an external Solana address - name: Gift Cards description: Gift card catalog and purchases - name: Payouts description: > Payouts to bank accounts: SEPA Instant in EUR (paid from your Payout SEPA balance) and ACH in USD to bank accounts in the United States (paid from your Ops Others balance) - name: Balance description: Operational balances and transaction history - name: Webhooks description: Webhook endpoints and delivery management paths: /virtual-accounts/{code}/destination: patch: tags: - Virtual Accounts summary: Change the destination of the funds description: > Changes where the net amount of the deposits is sent. The same rules as at creation apply: a USDC wallet on Solana of the same customer, or an external Solana address. The new destination applies to the deposits whose USDC has not arrived yet. A deposit whose USDC has already arrived keeps the destination it was given. A `failed` or `closed` account cannot be changed. operationId: updateVirtualAccountDestination parameters: - name: code in: path required: true schema: type: string format: uuid description: Code of the virtual account requestBody: required: true content: application/json: schema: type: object required: - destination properties: destination: $ref: '#/components/schemas/VirtualAccountDestinationRequest' example: destination: type: external_address address: YOUR_SOLANA_USDC_ADDRESS responses: '200': description: Destination changed content: application/json: schema: $ref: '#/components/schemas/VirtualAccountSuccessResponse' '402': $ref: '#/components/responses/PlanUpgradeRequired' '403': $ref: '#/components/responses/AccountSuspended' '404': $ref: '#/components/responses/NotFound' '422': $ref: '#/components/responses/ValidationError' components: schemas: VirtualAccountDestinationRequest: type: object required: - type description: > Where the net amount of each deposit is sent, always in USDC on Solana. Two options: - `wallet`: a **KemyCard wallet** of the customer, identified by its `wallet_code`. No on-chain transfer: the net amount is credited to the balance of this wallet, as for a wallet deposit. You withdraw it with [`POST /wallets/{code}/withdrawals`](/api-reference/wallets/withdraw). - `external_address`: an **address outside KemyCard** (for example your own custody wallet). The net amount is sent on-chain to this address. properties: type: type: string enum: - wallet - external_address description: >- `wallet` (KemyCard wallet of the customer) or `external_address` (Solana address outside KemyCard) example: wallet wallet_code: type: string format: uuid description: > Required with `type` `wallet`: the `code` of a KemyCard wallet of the same customer, created with [`POST /wallets`](/api-reference/wallets/create) on the `solana` blockchain in USDC. example: 01a11628-4600-7e59-bd4a-01604c588373 address: type: string description: > Required with `type` `external_address`: a valid Solana address outside KemyCard, able to receive USDC on Solana. Double-check it: funds sent on-chain cannot be recovered. example: YOUR_SOLANA_USDC_ADDRESS VirtualAccountSuccessResponse: type: object properties: success: type: boolean example: true data: $ref: '#/components/schemas/VirtualAccount' meta: $ref: '#/components/schemas/Meta' VirtualAccount: type: object properties: code: type: string format: uuid description: Virtual account code customer_code: type: string format: uuid external_reference: type: string description: Your reference of the customer example: user-001 currency: type: string enum: - EUR - USD - BRL - MXN example: EUR status: type: string enum: - processing - awaiting_tos - awaiting_provider - active - failed - closed example: active destination: $ref: '#/components/schemas/VirtualAccountDestination' deposit_instructions: type: object nullable: true description: > Bank details to share with the payer, once they have been issued (`null` before). The fields depend on the currency: `iban` and `bic` for EUR (SEPA), `bank_routing_number` and `bank_account_number` for USD (ACH, FedNow, wire), `br_code` for BRL (PIX), `clabe` for MXN (SPEI). Every format includes `currency` and `payment_rails`. additionalProperties: true example: currency: eur payment_rails: - sepa iban: LU00TEST0000000000000000 bic: TESTLULL account_holder_name: Alice Martin bank_name: Test Bank S.A. bank_address: 1 Test Street, L-0000 Luxembourg tos_url: type: string nullable: true description: > Only with the status `awaiting_tos`: the page where your customer accepts the terms of our banking partner. Your customer must accept them themselves. creation_fee: type: number description: Creation fee debited from your `others` ops balance example: 10 failure_reason: type: string nullable: true description: Only with the status `failed` example: The customer was not approved by our banking partner. created_at: type: string format: date-time activated_at: type: string format: date-time nullable: true closed_at: type: string format: date-time nullable: true Meta: type: object properties: request_id: type: string example: a4f8e2c1b3d97056 mode: type: string enum: - test - live example: test timestamp: type: string format: date-time ErrorResponse: type: object properties: success: type: boolean example: false error: type: object properties: code: type: string description: > Error code, for example `AUTHENTICATION_REQUIRED`, `AUTHENTICATION_FAILED`, `ACCOUNT_RESTRICTED`, `IP_NOT_ALLOWED`, `PLAN_UPGRADE_REQUIRED`, `PLAN_LIMIT_REACHED`, `ACCOUNT_SUSPENDED_NEGATIVE_BALANCE`, `INSUFFICIENT_BALANCE`, `OPERATION_FAILED`, `FORBIDDEN`, `RESOURCE_NOT_FOUND`, `VALIDATION_ERROR`, `COUNTRY_NOT_SUPPORTED`, `RATE_LIMIT_EXCEEDED`, `INTERNAL_ERROR`, `wrong_api_host`. See [Error Handling](/guides/error-handling). example: VALIDATION_ERROR message: type: string example: Missing required fields. details: type: object nullable: true meta: $ref: '#/components/schemas/Meta' VirtualAccountDestination: type: object properties: type: type: string enum: - wallet - external_address example: wallet wallet_code: type: string format: uuid description: Only with `type` `wallet` example: 01a11628-4600-7e59-bd4a-01604c588373 blockchain: type: string enum: - solana example: solana currency: type: string enum: - USDC example: USDC address: type: string description: >- Address of the wallet (`wallet`) or the external address (`external_address`) example: CUSTOMER_DEPOSIT_ADDRESS responses: PlanUpgradeRequired: description: The product is not included in your plan content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: PLAN_UPGRADE_REQUIRED message: >- This product is not included in the Découverte plan. Upgrade to a paid plan (Starter, Business or Premium) to use "wallets". details: plan: decouverte product: wallets AccountSuspended: description: >- One of your ops balances is negative; every request other than `GET` is refused until it is topped up content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: ACCOUNT_SUSPENDED_NEGATIVE_BALANCE message: >- Your account is suspended because one of your ops balances is negative. Top up the negative balance to restore access. Read-only requests (GET) remain available. details: negative_balance_since: '2026-10-15T08:00:00+00:00' NotFound: description: Resource not found content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: RESOURCE_NOT_FOUND message: Resource not found. details: null ValidationError: description: Validation error content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' securitySchemes: BearerAuth: type: http scheme: bearer description: API key (sk_test_... or sk_live_...) ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.