Accounts API Overview

Overview

The Accounts API manages bank accounts (checking and savings) and fiat custody. Create bank accounts in supported currencies (EUR, GBP, USD, NGN), manage recipients, track transactions, and view balances. This is the foundation for fiat account management in the Bakkt ecosystem.

Note:
Feature Availability: Not every endpoint in the Accounts API is enabled for every merchant. Some capabilities — most notably Credit Cards and Savings Accounts — are gated by your contractual agreement with Bakkt and may need to be activated for your account. If you receive a 403/404 on an endpoint you expect to use, contact your Bakkt account manager to confirm whether the feature is included in your agreement.

Key Features

Fiat Custody

Create Bakkt accounts in EUR, GBP, USD, and NGN for holding customer funds.

Recipient Management

Manage payment destinations - domestic payouts and cross-border remittances.

Money IN

Accept deposits via bank transfers and ACH pull (Plaid integration).

Money OUT

Send money via ACH, SEPA, and international corridors to 60+ countries.

How It Works

The Accounts API handles all fiat banking operations:

Note: This section includes a diagram. Refer to the original documentation for the visual representation.

Use Cases:

• Fiat Custody: Bank accounts (checking and savings) for holding customer funds in EUR, GBP, USD, NGN
• Account Management: Balances, transactions, statements
• Recipient Management: Create and manage payout destinations
• Settlement Accounts: For Stablecoin API and BakktX services
• Future: Credit card program backing accounts

Integration with Other APIs

With Onboarding API

1. Create user (Onboarding API)

POST /user

2. Authenticate (Onboarding API)

Obtain a session_id for the new user via the Onboarding API login flow.

3. Create bank account (Accounts API)

POST /user/bank-account/bakkt

{
  "currency": "EUR"
}

The user now has a fiat custody account.

Next Steps

Bank Accounts

Create checking and savings accounts and manage fiat custody

Payments & Transfers

Manage recipients, send money, and track transactions

Advanced Features

Exchange rates, webhooks, compliance, and testing

View Full API Reference

Explore all endpoints with interactive examples

Onboarding API

Create and manage user accounts