Accounts

Accounts represent the destinations where funds are sent during payments and payouts in the Inflow Connect ecosystem. These are external accounts (bank accounts and crypto wallets) that you register for your customers to enable money movement.

⚠️ Prerequisites: You must have an approved customer before registering accounts. See Customers for customer creation and Compliance for verification requirements.

Account Types

Inflow Connect supports two types of external accounts for receiving funds:

External Bank Accounts

Traditional fiat bank accounts held outside of Inflow Connect (e.g., BNP Paribas, JPMorgan). Used for:

• Stablecoin-to-fiat payouts - Convert crypto to local currency
• Cross-border payments - Send money internationally
• Business settlements - Pay suppliers, freelancers, employees
• Consumer remittances - Send money to family and friends

External Wallets Accounts

Crypto wallets that exist outside Inflow Connect's custody system (e.g., MetaMask, Coinbase, hardware wallets). Used for:

• Stablecoin-to-stablecoin transfers - Move crypto between wallets
• Cross-chain transfers - Bridge tokens across different blockchains
• Fiat-to-stablecoin payments - Receive crypto from fiat conversions
• DeFi integrations - Connect to decentralized finance protocols

See Stablecoins & Blockchains for full network coverage details.

Registration

Before initiating any payout, the account must be registered using the Create External Account endpoint. Store accounts and reference them later using an account_id.

Create Bank Account

Endpoint: POST /accounts

curl -X POST https://api.inflowconnect.com/accounts \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "accountType": "EXTERNAL_BANK_ACCOUNT",
    "countryCode": "FR",
    "name": "Main Account",
    "bank": {
      "name": "BNP Paribas",
      "iban": "FR7630001007941234567890185",
      "bic": "BNPAFRPP"
    },
    "owner": {
      "firstName": "John",
      "lastName": "Doe",
      "email": "[email protected]",
      "country": "FR"
    }
  }'

Required fields:

• accountType: EXTERNAL_BANK_ACCOUNT
• country: Bank account country
• bank.*: Bank details (IBAN, BIC, account number, etc.)
• owner.*: Account owner information

Create Wallet Account

curl -X POST https://api.inflowconnect.com/accounts \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "accountType": "EXTERNAL_WALLET_ACCOUNT",
    "name": "USDC Wallet",
    "wallet": {
      "address": "0x742d35Cc6634C0532925a3b8D4C9db96C4b4d8b6",
      "chain": "ethereum"
    }
  }'

Required fields:

• accountType: EXTERNAL_WALLET_ACCOUNT
• wallet.address: Crypto wallet address
• wallet.chain: Blockchain network

Response

Bank Account Response

{
  "id": "acc_123456789",
  "type": "EXTERNAL_BANK_ACCOUNT",
  "name": "Main Account",
  "referenceId": "ref_123",
  "bank": {
    "name": "BNP Paribas",
    "iban": "FR7630001007941234567890185",
    "bic": "BNPAFRPP",
    "country": "FR",
    "owner": {
      "firstName": "John",
      "email": "[email protected]",
      "lastName": "Doe",
      "country": "FR"
    }
  },
  "createdAt": "2024-01-15T10:30:00Z",
  "updatedAt": "2024-01-15T10:30:00Z",
  "customerId": "cust_123456789"
}

External Wallet Response

{
  "id": "acc_ew_123456789",
  "type": "EXTERNAL_WALLET_ACCOUNT",
  "name": "USDC Wallet",
  "wallet": {
    "address": "0x742d35Cc6634C0532925a3b8D4C9db96C4b4d8b6",
    "chain": "ethereum"
  },
  "createdAt": "2024-01-15T10:30:00Z",
  "updatedAt": "2024-01-15T10:30:00Z",
  "customerId": "cust_123456789"
}

Account Management

List Accounts

# List all accounts for authenticated user
curl -X GET https://api.inflowconnect.com/accounts \
  -H "Authorization: Bearer YOUR_API_KEY"

# List accounts for specific customer
curl -X GET https://api.inflowconnect.com/accounts/customer/{customerId} \
  -H "Authorization: Bearer YOUR_API_KEY"

# Get specific account details
curl -X GET https://api.inflowconnect.com/accounts/{accountId} \
  -H "Authorization: Bearer YOUR_API_KEY"

Usage

Once registered, use the account_id as a destination in payment requests.

Validation:

• Bank accounts: Automatic IBAN/BIC format validation
• Wallets: Address verification and compliance checks

Management endpoints:

# List accounts
curl -X GET https://api.inflowconnect.com/accounts \
  -H "Authorization: Bearer YOUR_API_KEY"

# Get account details
curl -X GET https://api.inflowconnect.com/accounts/{account_id} \
  -H "Authorization: Bearer YOUR_API_KEY"

Integration Examples

C2C Remittance

User sends money to recipient without app access:

1. Register recipient's bank account
2. Create payout with account as destination
3. Funds automatically converted and sent

B2B Payments

Business pays international supplier:

1. Register supplier's bank account
2. Use account_id in payout request
3. Currency conversion handled automatically

See Payouts for complete payout flow documentation.