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MoonPay Iron Fiat-to-DCA

Purpose: Wire USD via bank transfer to an Iron virtual account (IBAN/ACH). MoonPay converts to USDC and delivers to your wallet. Combine with Zerion trading to auto-deploy into any token on a schedule.

Key Commands

  • mp virtual-account retrieve — Check Iron account status
  • mp virtual-account create — Create a new virtual account (requires KYC)
  • mp virtual-account onramp create — Get IBAN/ACH deposit details
  • mp virtual-account transaction list — Monitor incoming deposits
  • zerion swap usdc <token> <amount> — Deploy USDC into target after deposit lands

Requirements

  • MoonPay CLI: npm i -g @moonpay/cli
  • Zerion CLI: npm i -g zerion-cli
  • Completed KYC on MoonPay (required for virtual accounts)
  • Registered wallet on both CLIs

Setup

1. Create the Iron account

mp virtual-account create
# Completes KYC via URL — finish in browser

mp virtual-account agreement list
mp virtual-account agreement accept --contentId <id>

2. Register your wallet

# Register the wallet that will receive USDC
mp virtual-account wallet register --wallet main --chain ethereum

3. Create the onramp and get deposit details

mp virtual-account onramp create \
  --name "Main onramp" \
  --fiat USD \
  --stablecoin USDC \
  --wallet <address> \
  --chain ethereum

mp virtual-account onramp retrieve --onrampId <id>

Output includes your IBAN (international wire) or ACH routing + account number (US bank). Wire from your bank to these details — Iron converts automatically to USDC.

4. Monitor the deposit

mp virtual-account transaction list --json \
  | jq '[.items[] | {status, fiatAmount, stablecoinAmount, createdAt}]'

5. Deploy into a position using Zerion

Once USDC lands, use Zerion to execute the trade:

# Check how much USDC arrived
zerion positions <address>

# Swap USDC into ETH
zerion swap usdc eth 500

# Or bridge USDC to Arbitrum first, then swap
zerion bridge usdc arbitrum 500
zerion swap usdc eth 500 --chain arbitrum

Manual DCA pattern

Run the swap command daily to dollar-cost average:

# Deploy $71 per day for 7 days ($500 total into ETH)
zerion swap usdc eth 71

Automate with cron (Linux) or launchd (macOS):

# Linux cron — 9am daily
(crontab -l 2>/dev/null; echo '0 9 * * * zerion swap usdc eth 71 # iron-dca') | crontab -

Notes

  • Wire transfers settle in 1–3 business days; ACH in 1 business day
  • USDC lands in your registered wallet automatically — no manual claim step
  • Iron virtual accounts are a MoonPay product (Iron.fi) — the IBAN is a real bank account number
  • Pair with zerion analyze before each DCA to check current price levels

Related Skills

  • capabilities/trading.md — Execute swaps and bridges after USDC lands
  • capabilities/analyze.md — Check portfolio and current prices before deploying
  • partners/moonpay-onramp.md — Card/bank purchase for smaller amounts without IBAN setup