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

# Accounts and wallets

> Choose the customer-owned account or issued resource required by a money flow.

Every account belongs to one customer. Choose it using two dimensions: who manages it and whether it is a wallet or bank account.

## Choose an account

| Account               | Use it for                                                                                              |
| --------------------- | ------------------------------------------------------------------------------------------------------- |
| Issued wallet         | Hold a custodial stablecoin balance, fund a payout, receive a pay-in, or settle an issued bank account. |
| Issued bank account   | Give the customer reusable bank details that settle into an issued wallet.                              |
| External wallet       | Record a blockchain address owned by the customer.                                                      |
| External bank account | Record a bank account owned by the customer for a first-party payout.                                   |

`issued` means Swipelux creates and manages the resource. `external` records an endpoint owned by the customer. A third-party endpoint belongs under a [recipient and destination](/integration/recipients), not under the customer account list.

## Create the account

Use [`POST /v3/customers/{customerId}/accounts`](/api-reference/accounts/post-v3-customers-by-customer-id-accounts). Send these headers with one of the request bodies below:

```http theme={null}
X-API-Key: ${SWIPELUX_API_KEY}
Idempotency-Key: account-create-001
Content-Type: application/json
```

<Tabs>
  <Tab title="Issued wallet">
    ```json theme={null}
    {
      "origin": "issued",
      "type": "wallet",
      "currency": "USDC",
      "network": "base",
      "label": "Settlement wallet"
    }
    ```
  </Tab>

  <Tab title="Issued bank account">
    ```json theme={null}
    {
      "origin": "issued",
      "type": "bank",
      "method": "ach",
      "country": "US",
      "currency": "USD",
      "settlement": {
        "accountId": "${SETTLEMENT_WALLET_ID}"
      },
      "label": "USD account"
    }
    ```
  </Tab>

  <Tab title="External wallet">
    ```json theme={null}
    {
      "origin": "external",
      "type": "wallet",
      "currency": "USDC",
      "network": "polygon",
      "details": {
        "address": "0x4997b0a68bebc1b0d80a93567ba7002be92b8b11"
      },
      "label": "Customer Polygon wallet"
    }
    ```
  </Tab>

  <Tab title="External bank account">
    ```json theme={null}
    {
      "origin": "external",
      "type": "bank",
      "methods": ["ach", "wire"],
      "country": "US",
      "currency": "USD",
      "details": {
        "routingNumber": "021000021",
        "accountNumber": "123456789",
        "accountType": "checking",
        "bankName": "Example Bank",
        "accountHolderName": "Acme Payments SAS"
      },
      "label": "Customer operating account"
    }
    ```
  </Tab>
</Tabs>

Use only currencies, networks, methods, and account types returned for the current customer and capability. Do not copy availability from another customer or environment.

## Wait for the account to be usable

Store `data.id`, `data.status`, and `data.openTaskIds` from the create response. Read the latest account with [`GET /v3/customers/{customerId}/accounts/{accountId}`](/api-reference/accounts/get-v3-customers-by-customer-id-accounts-by-account-id) before you quote a transfer or show bank details.

Use the account only when its current status permits the next operation. If task IDs are open, complete them through [Capabilities and tasks](/integration/onboarding/capabilities-and-requirements).

An issued bank account can return `details: null` while provisioning. Present bank details only after a current read returns the complete set. If `details.referenceRequired` is true, show the exact `details.reference` with the bank coordinates.

## Keep account roles explicit

For a payout, the issued wallet is the source in `in.accountId`. A customer-owned bank account is the `destinationId`. For an issued bank account, `settlement.accountId` is the issued wallet that receives matched deposits.

Next, use a ready account in [Receive funds](/integration/receive-funds), [Send funds](/integration/send-funds), or [Issue a bank account](/integration/issue-bank-account).


## Related topics

- [Create account](/api-reference/accounts/post-v3-customers-by-customer-id-accounts.md)
- [Get account](/api-reference/accounts/get-v3-customers-by-customer-id-accounts-by-account-id.md)
- [Issue a bank account](/integration/issue-bank-account.md)
- [List accounts](/api-reference/accounts/get-v3-customers-by-customer-id-accounts.md)
- [Account created](/api-reference/webhooks/account-created.md)