> ## Documentation Index > Fetch the complete documentation index at: https://developer.obiex.finance/llms.txt > Use this file to discover all available pages before exploring further. # Create invoice > Create an invoice for USD settlement. Requires a `fundingSource` of either `DEPOSIT` or `WALLET`. - **DEPOSIT** (NGNX only): Returns a virtual NGN bank account to pay into, along with the exact NGN amount. The virtual account is valid for 30 minutes. Invoice status starts as `PENDING`. - **WALLET** (NGNX, USDC, USDT): Debits the required amount from your wallet immediately. No virtual account is created. Invoice status is set to `APPROVED` instantly. ## OpenAPI ````yaml /api-reference/openapi.json post /invoices openapi: 3.0.0 info: title: Obiex API version: 1.0.0 description: >- Welcome to the Obiex API Documentation, your guide to building amazing payment experiences with our powerful APIs. Start by reviewing the overview of each folder to understand how the APIs function and interact. This will help you get the most out of our platform and easily integrate its features into your applications. servers: - url: https://api.obiex.finance/v1 security: [] paths: /invoices: post: tags: - Invoice Settlement summary: Create invoice description: >- Create an invoice for USD settlement. Requires a `fundingSource` of either `DEPOSIT` or `WALLET`. - **DEPOSIT** (NGNX only): Returns a virtual NGN bank account to pay into, along with the exact NGN amount. The virtual account is valid for 30 minutes. Invoice status starts as `PENDING`. - **WALLET** (NGNX, USDC, USDT): Debits the required amount from your wallet immediately. No virtual account is created. Invoice status is set to `APPROVED` instantly. parameters: - name: x-api-key in: header required: false deprecated: false schema: {} - name: x-api-signature in: header required: false deprecated: false schema: {} - name: x-api-timestamp in: header required: false deprecated: false schema: {} requestBody: required: true content: application/json: schema: type: object examples: DEPOSIT (NGNX): summary: DEPOSIT — pay via virtual NGN bank account value: targetAmount: 1000 source: NGNX target: USD fundingSource: DEPOSIT purposeOfPayment: Payment for software development services invoiceDocument: >- https://res.cloudinary.com/afrivelle/image/upload/v1718000000/invoice_abc123.pdf destination: accountName: Acme Corp Account accountNumber: '12345678901' swiftCode: FIBKUS33XXX bankName: First International Bank bankCode: FIBK bankCountry: US bankAddress: 123 Main Street, New York, NY 10001 beneficiaryName: Acme Corp beneficiaryAddress: 456 Business Ave, San Francisco, CA 94105 beneficiaryCountryCode: US beneficiaryCountryOfResidence: United States WALLET (USDC): summary: WALLET — debit from USDC wallet immediately value: targetAmount: 1000 source: USDC target: USD fundingSource: WALLET purposeOfPayment: Payment for software development services invoiceDocument: >- https://res.cloudinary.com/afrivelle/image/upload/v1718000000/invoice_abc123.pdf destination: accountName: Acme Corp Account accountNumber: '12345678901' swiftCode: FIBKUS33XXX bankName: First International Bank bankCode: FIBK bankCountry: US bankAddress: 123 Main Street, New York, NY 10001 beneficiaryName: Acme Corp beneficiaryAddress: 456 Business Ave, San Francisco, CA 94105 beneficiaryCountryCode: US beneficiaryCountryOfResidence: United States WALLET (USDT): summary: WALLET — debit from USDT wallet immediately value: targetAmount: 1000 source: USDT target: USD fundingSource: WALLET purposeOfPayment: Payment for software development services invoiceDocument: >- https://res.cloudinary.com/afrivelle/image/upload/v1718000000/invoice_abc123.pdf destination: accountName: Acme Corp Account accountNumber: '12345678901' swiftCode: FIBKUS33XXX bankName: First International Bank bankCode: FIBK bankCountry: US bankAddress: 123 Main Street, New York, NY 10001 beneficiaryName: Acme Corp beneficiaryAddress: 456 Business Ave, San Francisco, CA 94105 beneficiaryCountryCode: US beneficiaryCountryOfResidence: United States WALLET (NGNX): summary: WALLET — debit from NGNX wallet immediately value: targetAmount: 1000 source: NGNX target: USD fundingSource: WALLET purposeOfPayment: Payment for software development services invoiceDocument: >- https://res.cloudinary.com/afrivelle/image/upload/v1718000000/invoice_abc123.pdf destination: accountName: Acme Corp Account accountNumber: '12345678901' swiftCode: FIBKUS33XXX bankName: First International Bank bankCode: FIBK bankCountry: US bankAddress: 123 Main Street, New York, NY 10001 beneficiaryName: Acme Corp beneficiaryAddress: 456 Business Ave, San Francisco, CA 94105 beneficiaryCountryCode: US beneficiaryCountryOfResidence: United States responses: '200': description: Invoice created successfully content: application/json: schema: type: object examples: DEPOSIT (NGNX): summary: DEPOSIT response — virtual account provided, status PENDING value: message: Ok data: invoiceId: a3f1c2d4-8b0e-4f3a-9c7d-1e2b3a4c5d6e status: PENDING rate: 1625 reference: INV-REF-2026-001 amountToDeposit: 1625000 targetAmount: 1000 sourceCurrency: NGNX targetCurrency: USD virtualAccountDetails: accountName: Obiex / Acme Corp accountNumber: '9012345678' bankName: Providus Bank expiresAt: '2026-06-10T11:30:00.000Z' WALLET (USDC): summary: >- WALLET response — wallet debited, status APPROVED, no virtual account value: message: Ok data: invoiceId: b7e2d1c3-9a0f-4e2b-8d6c-2f3a4b5c6d7e status: APPROVED rate: 1 reference: null amountToDeposit: 1000 targetAmount: 1000 sourceCurrency: USDC targetCurrency: USD virtualAccountDetails: null security: - ApiKeyAuth: [] components: securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-api-key ````