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

# Spotflow Static Virtual Accounts

> Spotflow static virtual accounts (formerly called sub-accounts) are powerful, virtual, API-only financial containers designed to store and manage funds independently within your account ecosystem. Unlike Dynamic Accounts, which simply route payments, Static virtual accounts maintain their own balances and act as genuine repositories for money.

### Key Features

| **Feature**                | **Details**                                                                                                                  |
| -------------------------- | ---------------------------------------------------------------------------------------------------------------------------- |
| **Fund Storage**           | Static virtual accounts hold and maintain balances completely separate from your main account.                               |
| **Unlimited Creation**     | You can create an unlimited number of static virtual accounts via API. Via UI, You'll see this as the Virtual Accounts page. |
| **Non-Expiring**           | Static virtual accounts do not expire, unlike Dynamic virtual accounts. They are permanent storage pockets.                  |
| **Supported Currencies**   | Currently available only for NGN and GHS.                                                                                    |
| **Independent Management** | Each static virtual account operates with its own unique ID, balance, and transaction history.                               |
| **Simplified Setup**       | No Bank Verification Number (BVN) submission is required for creation.                                                       |

### Prerequisites for Static virtual accounts Creation

Before you can create your first Static virtual account, your merchant account needs to be fully configured for merchant operations.

1. KYB Completion: Successfully complete your account signup and Know Your Business (KYB) onboarding.
2. Configuration Activation: Merchant configuration is NOT enabled by default. You must contact support at [support@spotflow.one](mailto:support@spotflow.one) to explicitly request activation.
3. API Credentials: Ensure you have your SECRET\_KEY from the merchant dashboard for authorization purposes.

### API Operations

| **Action**                               | **Endpoint**                                                                                         | **Key Detail**                                                                                                         |
| ---------------------------------------- | ---------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------- |
| **Create Static virtual account**        | [Static virtual account Creation API Endpoint](/api-reference/static-account/create-account)         | Specify parameters (name, currency). Returns a unique account identifier.                                              |
| **Fetch Static account Data**            | [Fetch static virtual account by ID Endpoint](/api-reference/static-account/spotflow-account-id)     | Retrieve individual account information and details.                                                                   |
| **View Static virtual account Balances** | [Fetch static virtual account Balances Endpoint](/api-reference/static-account/main-account-balance) | Access the account's real-time balance and transaction history (also available on your Spotflow dashboard).            |
| **List All Account**                     | [List all static virtual account Endpoint](/api-reference/static-account/list-spotflow-account)      | Retrieve all accounts associated with your main account. You can also use this to fetch details for your main account. |

### Webhook Notifications

You will receive webhook and email notifications when your account is credited.

<Tip>
  **Action Item**: Ensure you configure your system to receive these payment status updates. Set or update your Webhook URL on the merchant dashboard under Settings → API & Webhooks → URLs.
</Tip>