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

# Create a new external address

> Creates a non-custodial address (EOA) for the specified account using the Direct bank entry path.

This endpoint is the **Direct bank entry** path for creating external off-chain bank addresses. Use it when you already have the bank account details (account number, routing number) and need `wire`, `ach_credit`, or `rtp`.

<Note>
  This endpoint does **not** support `ach_debit`. If you need ACH debit, use the [Plaid-linked bank account flow](/api-reference/brale/create-plaid-link-token) instead.
</Note>

For a full comparison of both external bank address creation paths, see [External bank addresses](/key-concepts/external-bank-addresses).

### Direct bank entry examples

#### ACH credit

```json Request theme={null}
{
  "owner": "Jane Doe",
  "transfer_types": ["ach_credit", "same_day_ach_credit"],
  "account_number": "1234567890",
  "routing_number": "063108680",
  "name": "Example Bank",
  "bank_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "beneficiary_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "account_type": "checking"
}
```

#### Wire

```json Request theme={null}
{
  "owner": "Jane Doe",
  "transfer_types": ["wire"],
  "account_number": "1234567890",
  "routing_number": "063108680",
  "name": "Example Bank",
  "bank_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "beneficiary_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "account_type": "checking"
}
```

#### RTP

```json Request theme={null}
{
  "owner": "Jane Doe",
  "transfer_types": ["ach_credit", "same_day_ach_credit", "rtp_credit"],
  "account_number": "1234567890",
  "routing_number": "063108680",
  "name": "Example Bank",
  "bank_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "beneficiary_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "account_type": "checking"
}
```

<Info>
  RTP eligibility is determined asynchronously by the banking partner after the address is created. The `rtp_credit` transfer type may not appear immediately. See [Key Concepts → Addresses](/key-concepts/addresses#create-external-address-for-rtp) for details.
</Info>

Use the playground below to try this endpoint directly, or review the OpenAPI details in the right panel.


## OpenAPI

````yaml POST /accounts/{account_id}/addresses/external
openapi: 3.0.3
info:
  title: Brale Issuance and Orchestration API
  version: 2.3.1
  description: >
    Brale supports stablecoin issuance and orchestration, enabling businesses
    and

    ecosystems to create their own stablecoins and convert between fiat and
    stablecoins

    seamlessly. From stablecoin onramps, offramps, and swaps to custody and
    payouts, the

    Brale API makes it easy to build stablecoin-enabled products.


    NOTE: All resource IDs (including account_id, address_id,
    financial_institution_id,

    and automation_id) are KSUIDs—26-character alphanumeric strings that are
    sortable

    by time. Examples showing UUIDs are incorrect.



    **What's new in 2.3.1**

    - Unified **Addresses** model for on-chain and off-chain endpoints
      - `Transfers` now accepts **address_id only** (no financial_institution_id)
      - Optional `brand` object to control bank statement presentation (`branding` still accepted as legacy alias)
    - Added off-chain rails: `ach_credit`, `same_day_ach_credit`, `ach_debit`,
    `same_day_ach_debit`, `rtp-credit`

    - Plaid endpoints moved to `/accounts/{account_id}/plaid/*`

    - `Financial Institutions` marked **deprecated** (migration path to
    **Addresses**)

    - Create Account now uses `CreateManagedAccountRequest` with
    `beneficial_owners`, `business_controller`, and `EndUserTosAttestation`.

    - Transfers now accept `brand` (replaces `branding`, still aliased in docs).

    - Plaid endpoints updated to return `address_id` and accept
    `transfer_types`.

    - Off-chain Address creation uses `CreateExternalAddressRequest` oneOf with
    bank + blockchain variants.

    - FI endpoints kept but marked deprecated; use Addresses instead.

    - `rtp_credit` is the canonical RTP rail name.
servers:
  - url: https://api.brale.xyz
    description: Production server
security:
  - BearerAuth: []
tags:
  - name: Accounts
    description: Endpoints related to managing customer accounts (KYB, details, etc.)
  - name: Transfers
    description: >-
      Endpoints for creating and retrieving transfers (fiat to stablecoins,
      etc.)
  - name: Addresses
    description: >-
      On-chain and off-chain endpoints (custodial or external) represented by a
      single Addresses resource
  - name: Financial Institutions
    description: Legacy (deprecated) bank endpoints. Use Addresses instead.
  - name: Automations
    description: Automated deposit addresses or onramps
  - name: Plaid
    description: Bank linking and ACH debit via Plaid.
  - name: Orders
    description: Legacy tag used for transfers in older specs.
paths:
  /accounts/{account_id}/addresses/external:
    post:
      tags:
        - Addresses
      summary: Create a new external address
      description: |
        Creates a non-custodial address (EOA) for the specified account.
      operationId: createAddress
      parameters:
        - name: account_id
          in: path
          required: true
          description: The ID of the account
          schema:
            $ref: '#/components/schemas/Ksuid'
        - in: header
          name: Idempotency-Key
          required: true
          schema:
            type: string
          example: idemp-123e4567-e89b-12d3-a456-426614174000
          description: >
            A unique string used to prevent duplicate operations. Each POST
            request must use a new idempotency key. Use a UUIDv4 string.
            Example: `idemp-123e4567-e89b-12d3-a456-426614174000`
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateExternalAddressRequest'
            examples:
              onchain_base:
                summary: On-chain (Base)
                value:
                  name: Base External Wallet
                  transfer_types:
                    - base
                  address: '0xE57e438aE0b1557bFC1ad70BD7751635E473D888'
              offchain_wire:
                summary: Off-chain (Wire)
                value:
                  owner: Jane Doe
                  transfer_types:
                    - wire
                  account_number: '1234567890'
                  routing_number: 63108680
                  account_type: checking
                  name: Example Bank
                  bank_address:
                    street_line_1: 100 Example St
                    street_line_2: Suite 500
                    city: Springfield
                    state: CA
                    zip: '90001'
                  beneficiary_address:
                    street_line_1: 100 Example St
                    street_line_2: Suite 500
                    city: Springfield
                    state: CA
                    zip: '90001'
              offchain_ach_debit:
                summary: Off-chain (ACH Debit via Plaid)
                value:
                  name: Operating Account (ACH Debit)
                  transfer_types:
                    - ach_debit
                    - same_day_ach_debit
                  plaid_token: PUBLIC_TOKEN_EXCHANGED_WITH_BRALE
      responses:
        '201':
          description: External address successfully created
          content:
            '*/*':
              schema:
                type: object
                properties:
                  id:
                    $ref: '#/components/schemas/Ksuid'
components:
  schemas:
    Ksuid:
      title: Kusid
      type: string
      format: ksuid
      pattern: ^[a-zA-Z0-9]{26}$
      example: 2VcUIIsgARwVbEGlIYbhg6fGG57
    CreateExternalAddressRequest:
      type: object
      oneOf:
        - $ref: '#/components/schemas/CreateExternalBlockchainAddressRequest'
        - $ref: '#/components/schemas/CreateExternalFinancialInstitutionRequest'
      title: CreateExternalAddressRequest
    CreateExternalBlockchainAddressRequest:
      type: object
      additionalProperties: false
      title: CreateExternalBlockchainAddressRequest
      required:
        - name
        - address
        - transfer_types
      properties:
        name:
          type: string
          example: Company External EVM Address
          nullable: true
        address:
          type: string
          example: '0xb518d4d6221d9a41d23d71cbce8e106e7aab8f9b'
        transfer_types:
          type: array
          items:
            type: string
            example: solana
    CreateExternalFinancialInstitutionRequest:
      type: object
      additionalProperties: false
      title: CreateExternalFinancialInstitutionRequest
      required:
        - owner
        - account_number
        - routing_number
        - bank_address
        - beneficiary_address
        - account_type
        - transfer_types
      properties:
        owner:
          type: string
          example: Jane Doe
        name:
          type: string
          example: First Last Bank
        account_number:
          type: string
          example: '123456789'
        routing_number:
          type: string
          example: '123456789'
        account_type:
          type: string
          example: checking
          enum:
            - checking
            - savings
        bank_address:
          $ref: '#/components/schemas/USStreetAddress'
        beneficiary_address:
          $ref: '#/components/schemas/USStreetAddress'
        transfer_types:
          type: array
          minItems: 1
          description: Rails to enable for this bank endpoint
          items:
            type: string
            example: ach_credit
          example:
            - ach_credit
            - wire
            - rtp_credit
    USStreetAddress:
      type: object
      additionalProperties: false
      title: USStreetAddress
      required:
        - street_line_1
        - city
        - state
        - zip
      properties:
        street_line_1:
          type: string
          example: 100 Example St.
        street_line_2:
          type: string
          example: Suite 500
        city:
          type: string
          example: Springfield
        state:
          type: string
          example: CA
        zip:
          type: string
          example: '90001'
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: >
        Use the Bearer token returned from the Auth endpoint via OAuth2
        client_credentials flow. Include the token in the "Authorization: Bearer
        <token>" header.

````