{"templateId":"markdown","versions":[{"version":"v1","label":"v1","link":"/pt-br/products/collections/concepts/accounts","default":true,"active":true,"folderId":"3a2d3fa8"},{"version":"v0","label":"v0","link":"/pt-br/products/collections/v0/concepts/accounts","default":false,"active":false,"folderId":"3a2d3fa8"}],"sharedDataIds":{"sidebar":"sidebar-@l10n/pt-BR/products/collections/@v0/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Accounts","description":"User guides, API reference, and support resources.","siteUrl":"https://docs.ripple.com","lang":"en-US","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"accounts","__idx":0},"children":["Accounts"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["An account represents a payment account for a beneficiary, serving as the routing point for collections, channels, and settlements."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Accounts are the central routing concept in v1. Rather than sending funds directly from one partner to another, you create an account for a beneficiary and then route collections and channels through it. Every incoming payment is credited to an account's sub-ledger, which is what makes automated reconciliation possible — funds are matched to the correct party on arrival rather than reconciled afterwards."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Each account can have its own virtual account details or deposit address, depending on the currency and payment rail."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"how-accounts-relate-to-other-resources","__idx":1},"children":["How accounts relate to other resources"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["A ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/pt-br/products/collections/concepts/partners"},"children":["partner"]}," is the party the account belongs to. An account always has a beneficiary."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["A ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/pt-br/products/collections/concepts/collections"},"children":["collection"]}," or ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/pt-br/products/collections/concepts/channels"},"children":["channel"]}," is created against an account using its ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["account_id"]},". This is what routes the payment."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["A ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/pt-br/products/collections/concepts/settlements"},"children":["settlement"]}," draws from an account's balance to move funds to your designated destination."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"api-operations","__idx":2},"children":["API operations"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/collections/api/collections/accounts/createaccountv1"},"children":["Create an account"]},": Create a new payment account for a beneficiary."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/collections/api/collections/accounts/listaccountsv1"},"children":["List accounts"]},": Retrieve a list of all accounts, filterable by ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["id"]},", ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["type"]},", or ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["status"]},"."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/collections/api/collections/accounts/getaccountbyidv1"},"children":["Get account details"]},": View the full details and current status of a single account."]}]}]},"headings":[{"value":"Accounts","id":"accounts","depth":1},{"value":"How accounts relate to other resources","id":"how-accounts-relate-to-other-resources","depth":2},{"value":"API operations","id":"api-operations","depth":2}],"frontmatter":{"seo":{"title":"Accounts"}},"lastModified":"2026-10-07T18:01:23.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/pt-br/products/collections/concepts/accounts","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}