> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a segregated wallet > Creates a new on-chain wallet owned by the calling account. Its balance lives on-chain (never in the ledger) and it is exempt from the treasury sweep. Supported pairs: `tron`/`usdt`, `eth`/`usdt`, `eth`/`usdc`, `btc`/`btc`. Company accounts can create unlimited wallets; person accounts hold **1 per network+asset pair** (a second one responds `422 wallet_limit_reached`). An optional `Idempotency-Key` (or `idempotency_key` in the body) makes retries safe: a repeat returns the same wallet without creating a second one. May bill the `wallet_creation` fee (refunded if creation fails). ## OpenAPI ````yaml /openapi.yaml post /v1/segregated-wallets openapi: 3.1.0 info: title: CBPay API version: '1.89' description: | CBPay is a multi-currency payment platform: fiat payouts and collections across Latin America, internal transfers, on-chain funding and withdrawals, and KYC screening. Every account holds four independent virtual balances — USDT (the operating currency), USDC, BTC and GOLD (grams of fine gold) — that never mix or convert automatically. Payouts and service fees can be paid from any of the four balances: set a default with `PUT /v1/settlement` or override per payout with `settlement_asset`. All amounts are decimal strings in each currency's precision (6 decimals for USDT/USDC/GOLD, 8 for BTC). Errors always return `{"error": "", "message": ""}`. servers: - url: https://api.qbank.cl/platform description: Live (production, real money) - url: https://cryptobank.qbank.cl/platform description: Test (sandbox, simulated money — pk_test_ keys) security: - bearerAuth: [] tags: - name: Receipts description: >- Branded PDF receipt per operation, with a public signed-QR authenticity check, receipt_url on every response/webhook and automatic email delivery on final states. - name: Authentication description: Register and log in account members. Sessions last 24 hours. - name: Account description: Profile, members and API keys of the calling account. - name: Balances description: Balances, movement history and FX rates. - name: Payouts description: >- Fiat dispersals debited from the settlement balance of your choice (USDT by default). - name: Payins description: Fiat top-ups credited to the USDT balance. - name: Transfers - name: Contacts - name: Swaps description: >- Free internal transfers between CBPay accounts (person or company, any combination). - name: Crypto description: On-chain funding and withdrawals (TRON, Ethereum and Bitcoin). - name: Segregated wallets description: >- On-chain wallets with their own balance (companies unlimited; persons 1 per network+asset pair) — create, import, send, export the private key and auto-forward. The balance lives on-chain, never in the ledger. - name: QR Crypto POS description: >- Amount-bearing crypto QR charges for processors with physical POS terminals (company accounts): verified merchants, exclusive address + QR per charge, early payment detection, per-merchant reconciliation and refunds over the crypto withdrawal rail. - name: KYC / KYB - name: AML screening description: >- Identity verification: KYC for persons, KYB for companies, with AML screening, rescreening and continuous monitoring. - name: Wallet screening description: >- AML risk assessment of blockchain addresses (sanctions, illicit-fund exposure) with a per-scan fee, plus free automatic protection on withdrawals and deposits. - name: Analytics - name: Webhooks description: Subscriptions to receive signed event notifications. - name: Status description: Service availability. - name: Banking description: >- Real bank accounts: receive, hold and send money over international banking rails. - name: Cards description: >- Virtual and physical cards that spend Just-In-Time from the account's USDT balance, with per-card spending limits. - name: Security (OTP) description: >- One-time verification codes over SMS/WhatsApp/email protecting sensitive actions, plus self-service 2FA preferences. Applies to user sessions only — API keys are exempt. - name: Passkeys description: >- Passwordless sign-in with the device's biometrics (Face ID, Touch ID, Windows Hello, security keys) via WebAuthn, authenticator apps (TOTP) with backup codes, and session/device management. - name: Social login description: >- Passwordless sign up and sign in with Google, Apple, Microsoft and Facebook via token exchange. The front end obtains the provider credential; the API verifies it and issues the CBPay session. paths: /v1/segregated-wallets: post: tags: - Segregated wallets summary: Create a segregated wallet description: >- Creates a new on-chain wallet owned by the calling account. Its balance lives on-chain (never in the ledger) and it is exempt from the treasury sweep. Supported pairs: `tron`/`usdt`, `eth`/`usdt`, `eth`/`usdc`, `btc`/`btc`. Company accounts can create unlimited wallets; person accounts hold **1 per network+asset pair** (a second one responds `422 wallet_limit_reached`). An optional `Idempotency-Key` (or `idempotency_key` in the body) makes retries safe: a repeat returns the same wallet without creating a second one. May bill the `wallet_creation` fee (refunded if creation fails). operationId: createSegregatedWallet requestBody: required: true content: application/json: schema: type: object required: - chain properties: chain: type: string enum: - tron - eth - btc asset: type: string enum: - usdt - usdc - btc default: usdt label: type: string idempotency_key: type: string examples: tron_usdt: summary: TRON USDT value: chain: tron asset: usdt label: Acme Client idempotency_key: wallet-client-001 eth_usdc: summary: Ethereum USDC value: chain: eth asset: usdc label: Project X idempotency_key: wallet-project-x btc_btc: summary: Bitcoin BTC value: chain: btc asset: btc label: BTC custody idempotency_key: wallet-btc-001 responses: '201': description: Wallet created. content: application/json: schema: $ref: '#/components/schemas/SegregatedWallet' example: wallet_id: b7e3a1c2-9f4d-4a8b-8c1e-2d3f4a5b6c7d chain: tron asset: USDT address: TRmSZRaMAqLEevAdGwo3R43bRBXamWR5bd label: Acme Client type: segregated origin: created custody: cbpay exported: false created_at: '2026-07-11T12:00:00Z' '400': description: invalid_chain / invalid_asset content: application/json: schema: $ref: '#/components/schemas/Error' example: error: invalid_asset message: >- unsupported chain/asset pair (supported: tron/usdt, eth/usdt, eth/usdc, btc/btc) '401': $ref: '#/components/responses/Unauthorized' '403': description: Service disabled for the account. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: service_disabled message: this service is not enabled for the account '409': description: A wallet with this idempotency key is still being provisioned. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: idempotency_conflict message: >- a wallet with this idempotency key is still being provisioned; retry with the same key '422': description: A person account already holds its segregated wallet for that pair. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: wallet_limit_reached message: >- person accounts hold one segregated wallet per network/asset pair; company accounts have no limit components: schemas: SegregatedWallet: type: object properties: wallet_id: type: string format: uuid type: type: string enum: - segregated description: Product discriminator for segregated wallets. chain: type: string enum: - tron - eth - btc asset: type: string example: USDT address: type: string label: type: string origin: type: string enum: - created - imported description: How the wallet entered the platform. exported: type: boolean description: Whether the private key was ever exported (shared custody). exported_at: type: string format: date-time created_at: type: string format: date-time Error: type: object properties: error: type: string description: Machine-readable error code (snake_case). example: insufficient_funds message: type: string description: Human-readable explanation. responses: Unauthorized: description: Missing or invalid credential (`unauthorized`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: invalid or missing credentials securitySchemes: bearerAuth: type: http scheme: bearer description: | Session JWT (from register/login) or API key (`pk_...`). `X-API-Key: ` is accepted as an alternative header. ````