> For the complete documentation index, see [llms.txt](https://docs.agant.io/Y83ivqmfOiUspagNyFg6/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.agant.io/Y83ivqmfOiUspagNyFg6/concepts/virtual-bank-account.md).

# Virtual Bank Account

To enable the seamless movement of money between fiat currency and stablecoins, Agant provides companies with dedicated **Virtual Bank Accounts**. These accounts are automatically created either as part of your onboarding or when you configure your [Rails](/Y83ivqmfOiUspagNyFg6/concepts/rails.md) and are used to facilitate the [On Ramp](/Y83ivqmfOiUspagNyFg6/platform/on-ramp.md) and [Off Ramp](/Y83ivqmfOiUspagNyFg6/platform/off-ramp.md) process.

Each virtual account is uniquely assigned to your company, ensuring segregation and traceability of funds. The system automatically manages and monitors these accounts.

### Types of Virtual Bank Accounts

Agant supports three types of virtual bank accounts, optimised for different operational needs.

{% hint style="info" %}
GBP rails use a **Dedicated Bank Account (DBA)** by default. Other currencies may use a Direct Virtual Account (DVA) or Reference Virtual Account (RVA) depending on availability.
{% endhint %}

#### **Dedicated Bank Account (DBA)**

A real UK bank account, uniquely assigned to your company, with its own IBAN, account number, and sort code. A **reference is required** when sending funds to identify which rail the payment is intended for, allowing a single account to serve multiple rails.

#### **Direct Virtual Account (DVA)**

A virtual IBAN that accepts a specific currency (e.g. EUR). No reference is required when sending funds. Funds received into this account are automatically attributed to your company based on the account itself.

#### **Reference Virtual Account (RVA)**

A virtual IBAN that accepts a specific currency, but **requires a reference** to identify the intended recipient. The reference is used to route the funds appropriately.

{% hint style="info" %}
**NB:** You do not have to select the type of account, this section is purely informational.
{% endhint %}


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