Accounts API Overview

Overview

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

Key Features

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: Virtual IBANs for holding customer funds in EUR, GBP, USD, NGN
• Account Management: Balances, transactions, statements
• Beneficiary 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)
const user = await bakkt.onboarding.createUser({...});

// 2. Authenticate (Onboarding API)
const session = await bakkt.onboarding.login(user.user_uuid);

// 3. Create bank account (Accounts API)
const account = await bakkt.payments.createBankAccount(session.session_id, {
  currency: 'EUR'
});

// Now user has fiat custody account

Next Steps

Bank Accounts

Create Virtual IBANs and manage fiat custody accounts

Payments & Transfers

Manage beneficiaries, send money, and track transactions

Advanced Features

Exchange rates, webhooks, compliance, and testing

View Full API Reference

Explore all endpoints with interactive examples

Stablecoin API

Convert between fiat and stablecoins

Onboarding API

Create and manage user accounts