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Multi-ledger accounts simplify management when you need to receive multiple asset types at one logical \"wallet.\" Choosing the right account types affects reconciliation complexity, gas costs, and client experience."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["For architects and operators"]},": Plan your account hierarchy during domain design and ensure your account-naming conventions support operational clarity at scale."]}]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"warning","name":"Prerequisites"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Before reading this page, you should understand:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/custody/v1.38/overview/security/cryptographic-trust-model"},"children":["Key management"]}," - How ","Ripple Custody"," protects cryptographic keys"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/custody/v1.38/accounts-and-assets/accounts/account-key-derivation-and-ledger-compatibility"},"children":["Key derivation"]}," - How accounts derive their blockchain addresses"]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Blockchain transactions are managed in ","Ripple Custody"," using ",{"$$mdtype":"Tag","name":"em","attributes":{},"children":["accounts"]},", which work in the same way as any wallet interacting with a blockchain."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Ripple Custody"," accounts:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Store coins and other tokens."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Track transfers of coins and tokens to and from the blockchain and other accounts."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"organizational-structure","__idx":1},"children":["Organizational structure"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Ripple Custody"," organizes accounts within a hierarchical structure. 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nowrap; line-height: 1.5;\"><span class=\"nodeLabel\"><p>Domain: Client Omnibus</p></span></div></foreignObject></g></g></g><g class=\"edgePaths\"></g><g class=\"edgeLabels\"></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-OA-6\" data-look=\"classic\" transform=\"translate(173, 97)\"><rect class=\"basic label-container\" style=\"\" x=\"-130\" y=\"-39\" width=\"260\" height=\"78\"></rect><g class=\"label\" style=\"\" transform=\"translate(-100, -24)\"><rect></rect><foreignObject width=\"200\" height=\"48\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table; white-space: break-spaces; line-height: 1.5; max-width: 200px; text-align: center; width: 200px;\"><span class=\"nodeLabel\"><p>Omnibus Account (on-chain)</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-VA1-7\" 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xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Virtual: Client B</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-VA3-9\" data-look=\"classic\" transform=\"translate(877.5078125, 97)\"><rect class=\"basic label-container\" style=\"\" x=\"-85.4296875\" y=\"-27\" width=\"170.859375\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-55.4296875, -12)\"><rect></rect><foreignObject width=\"110.859375\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Virtual: Client C</p></span></div></foreignObject></g></g></g></g><g class=\"root\" transform=\"translate(37.5, 155)\"><g class=\"clusters\"><g class=\"cluster\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-V1\" data-look=\"classic\"><rect style=\"\" x=\"8\" y=\"8\" width=\"220.71875\" height=\"154\"></rect><g class=\"cluster-label\" transform=\"translate(74.046875, 8)\"><foreignObject width=\"88.625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5;\"><span class=\"nodeLabel\"><p>Vault 1 (Hot)</p></span></div></foreignObject></g></g></g><g class=\"edgePaths\"></g><g class=\"edgeLabels\"></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-MS1-0\" data-look=\"classic\" transform=\"translate(118.359375, 85)\"><rect class=\"basic label-container\" style=\"\" x=\"-75.359375\" y=\"-27\" width=\"150.71875\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-45.359375, -12)\"><rect></rect><foreignObject width=\"90.71875\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Master Seed</p></span></div></foreignObject></g></g></g></g><g class=\"root\" transform=\"translate(614.8125, 263)\"><g class=\"clusters\"><g class=\"cluster\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-D1\" data-look=\"classic\"><rect style=\"\" x=\"8\" y=\"8\" width=\"553.03125\" height=\"154\"></rect><g class=\"cluster-label\" transform=\"translate(225.8203125, 8)\"><foreignObject width=\"117.390625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5;\"><span class=\"nodeLabel\"><p>Domain: Trading</p></span></div></foreignObject></g></g></g><g class=\"edgePaths\"></g><g class=\"edgeLabels\"></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-A1-2\" data-look=\"classic\" transform=\"translate(151.2578125, 85)\"><rect class=\"basic label-container\" style=\"\" x=\"-108.2578125\" y=\"-27\" width=\"216.515625\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-78.2578125, -12)\"><rect></rect><foreignObject width=\"156.515625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Account: BTC Trading</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-A2-3\" data-look=\"classic\" transform=\"translate(417.7734375, 85)\"><rect class=\"basic label-container\" style=\"\" x=\"-108.2578125\" y=\"-27\" width=\"216.515625\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-78.2578125, -12)\"><rect></rect><foreignObject width=\"156.515625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Account: ETH Trading</p></span></div></foreignObject></g></g></g></g><g class=\"root\" transform=\"translate(37.5, 467)\"><g class=\"clusters\"><g class=\"cluster\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-V2\" data-look=\"classic\"><rect style=\"\" x=\"8\" y=\"8\" width=\"220.71875\" height=\"154\"></rect><g class=\"cluster-label\" transform=\"translate(70.0390625, 8)\"><foreignObject width=\"96.640625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5;\"><span class=\"nodeLabel\"><p>Vault 2 (Cold)</p></span></div></foreignObject></g></g></g><g class=\"edgePaths\"></g><g class=\"edgeLabels\"></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-MS2-1\" data-look=\"classic\" transform=\"translate(118.359375, 85)\"><rect class=\"basic label-container\" style=\"\" x=\"-75.359375\" y=\"-27\" width=\"150.71875\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-45.359375, -12)\"><rect></rect><foreignObject width=\"90.71875\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Master Seed</p></span></div></foreignObject></g></g></g></g><g class=\"root\" transform=\"translate(638.234375, 467)\"><g class=\"clusters\"><g class=\"cluster\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-D2\" data-look=\"classic\"><rect style=\"\" x=\"8\" y=\"8\" width=\"506.1875\" height=\"154\"></rect><g class=\"cluster-label\" transform=\"translate(197.9609375, 8)\"><foreignObject width=\"126.265625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5;\"><span class=\"nodeLabel\"><p>Domain: Treasury</p></span></div></foreignObject></g></g></g><g class=\"edgePaths\"></g><g class=\"edgeLabels\"></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-A3-4\" data-look=\"classic\" transform=\"translate(136.140625, 85)\"><rect class=\"basic label-container\" style=\"\" x=\"-93.140625\" y=\"-27\" width=\"186.28125\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-63.140625, -12)\"><rect></rect><foreignObject width=\"126.28125\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Account: Reserve</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-flowchart-A4-5\" data-look=\"classic\" transform=\"translate(379.234375, 85)\"><rect class=\"basic label-container\" style=\"\" x=\"-99.953125\" y=\"-27\" width=\"199.90625\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-69.953125, -12)\"><rect></rect><foreignObject width=\"139.90625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Account: Hot Wallet</p></span></div></foreignObject></g></g></g></g></g></g></g></g></g><defs><filter id=\"diagram-af191b4ff77ac9f7ba56ee4fb033d2005b5341ac9c7ba9c17245021259fbeeb2-drop-shadow\" height=\"130%\" width=\"130%\"><feDropShadow dx=\"4\" dy=\"4\" stdDeviation=\"0\" 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  A1[\"Account: BTC Trading\"]\n            A2[\"Account: ETH Trading\"]\n        end\n\n        subgraph D2[\"Domain: Treasury\"]\n            A3[\"Account: Reserve\"]\n            A4[\"Account: Hot Wallet\"]\n        end\n\n        subgraph D3[\"Domain: Client Omnibus\"]\n            OA[\"Omnibus Account (on-chain)\"]\n            VA1[\"Virtual: Client A\"]\n            VA2[\"Virtual: Client B\"]\n            VA3[\"Virtual: Client C\"]\n        end\n    end\n\n    V1 -->|\"Signs for\"| D1\n    V1 -->|\"Signs for\"| D3\n    V2 -->|\"Signs for\"| D2\n"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For pooled custody patterns where one on-chain account represents many off-chain participant balances, see ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/custody/v1.38/accounts-and-assets/omnibus/overview"},"children":["Omnibus"]},"."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"hierarchy-levels","__idx":2},"children":["Hierarchy levels"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Level"},"children":["Level"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Description"},"children":["Description"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Tenant"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Your organization's ","Ripple Custody"," instance. All resources belong to a single tenant."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Vault"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["A signing component connected to a key management system (HSM or MPC). Each vault has its own master seed. You can have multiple vaults (e.g., hot and cold)."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Domain"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["An organizational unit that groups accounts. Domains enable logical separation (e.g., by business unit, client, or purpose). Each domain can be assigned to a specific vault."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Account"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["A logical entity that holds assets. Accounts derive blockchain addresses from the vault's master seed using the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/custody/v1.38/accounts-and-assets/accounts/account-key-derivation-and-ledger-compatibility"},"children":["key derivation"]}," process."]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"why-domains-matter","__idx":3},"children":["Why domains matter"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Domains provide several benefits:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Organizational clarity"]},": Group accounts by purpose, business unit, or client"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Vault assignment"]},": All accounts in a domain use the same vault for signing"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Policy scope"]},": Governance policies can be applied at the domain level"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Reporting"]},": Generate reports and audit trails per domain"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For more on the concept of domains, see ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/custody/v1.38/governance/domains"},"children":["Domains"]},". For information on creating domains, see ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/custody/v1.38/governance/domains/manage-domains#create-a-domain-with-the-api"},"children":["Manage domains"]},"."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"account-types","__idx":4},"children":["Account types"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There are several types of accounts available in ","Ripple Custody",":"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Account Type"},"children":["Account 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