# Create an account

Creates a new payment account for a beneficiary partner. The account type (CRYPTO or FIAT)
is determined by the currency specified. Account creation is subject to the beneficiary's
partner eligibility.

Endpoint: POST /v1/collections/accounts
Version: 1.0.0
Security: Bearer

## Request fields (application/json):

  - `beneficiary_id` (string, required)
    Unique identifier of the beneficiary partner who will own this account
    Example: "291ecf34-a01d-466a-b0fd-662a88b7a1bb"

  - `currency` (string, required)
    Currency for the account (crypto: RLUSD, USDC, USDT or fiat: USD, BRL)
    Example: "USD"

## Response 201 fields (application/json):

  - `id` (string, required)
    Unique identifier for the account
    Example: "a1b2c3d4-e5f6-7890-abcd-ef1234567890"

  - `account_owner_id` (string, required)
    Unique identifier of the account owner can be customer or partner
    Example: "291ecf34-a01d-466a-b0fd-662a88b7a1bb"

  - `currency` (string, required)
    Currency for the account
    Example: "USD"

  - `type` (string, required)
    Type of account
    Enum: "CRYPTO", "FIAT"

  - `rails` (array, required)
    Available payment rail types for this account
    Enum: "BLOCKCHAIN", "FEDWIRE", "ACH", "RTP", "PIX"

  - `balances` (object, required)
    Account balance information

  - `balances.available` (object, required)
    Available balance that can be withdrawn or used

  - `balances.available.amount` (string, required)
    Available balance amount as a string to preserve precision
    Example: "1250.50"

  - `balances.pending` (object, required)
    Pending balance information

  - `balances.pending.inbound` (object, required)
    Pending inbound balance

  - `balances.pending.inbound.amount` (string, required)
    Pending inbound amount as a string to preserve precision
    Example: "50.00"

  - `balances.pending.outbound` (object, required)
    Pending outbound balance

  - `balances.pending.outbound.amount` (string, required)
    Pending outbound amount as a string to preserve precision
    Example: "25.00"

  - `ownership_level` (string, required)
    Indicates whether this account is owned at the partner or customer level
    Enum: "PARTNER", "CUSTOMER"

  - `status` (string, required)
    Status of the account
    Enum: "PENDING", "ACTIVE", "INACTIVE", "CLOSED"

  - `created_at` (string, required)
    ISO 8601 timestamp when the account was created
    Example: "2025-09-18T22:54:00.542Z"

  - `updated_at` (string, required)
    ISO 8601 timestamp when the account was last updated
    Example: "2025-09-18T22:54:00.542Z"

## Response 400 fields (application/json):

  - `code` (string, required)
    Error code identifying the type of error

  - `reason` (string, required)
    Human-readable error message

## Response 401 fields (application/json):

  - `code` (string, required)
    Error code identifying the type of error

  - `reason` (string, required)
    Human-readable error message

## Response 403 fields (application/json):

  - `code` (string, required)
    Error code identifying the type of error

  - `reason` (string, required)
    Human-readable error message

## Response 500 fields (application/json):

  - `code` (string, required)
    Error code identifying the type of error

  - `reason` (string, required)
    Human-readable error message