> For the complete documentation index, see [llms.txt](https://docs.txn.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.txn.io/accounts/accounts-concept.md).

# Accounts concept

A Txn account is a currency account: it holds your balance in a single currency on the Txn platform. Every tradable [currency](/api-basics/supported-currencies.md) Txn supports is available to your company by default.

Each account exposes its balance, total balance, currency code, ID, and full transaction history. You can read this data from the dashboard or through the API, and Txn keeps it up to date in real time.

### Account hierarchy

Accounts follow a two-level hierarchy — Company → master account (one per currency) → subaccounts:

* **Master accounts** are created automatically for each tradable currency when your company is onboarded. These are your primary accounts, identified by `"master": true` and `"label": "master"`.
* **Subaccounts** are created under a master account to segment funds — for example, by client, project, or business unit. They are identified by `"master": false` and carry the `label` you assign at creation.

For a crypto subaccount (e.g. BTC or USDT), you can generate a dedicated set of receiving addresses linked to that subaccount.

### Bank references

Each EUR account has a unique `bankReference` (e.g. `BDR7130670178476243`). Quote it on incoming bank deposits so funds are credited to the correct account.

### Reconciliation

Reading your accounts, balances, and transaction history through the API lets you reconcile against your own records and generate reports independently of the dashboard.

### Example API response

The example below shows the EUR and USDT master accounts with their subaccounts:

```json
{
  "data": [
    {
      "id": "13a85b45-8543-41c7-b963-394d4ea128ae",
      "type": "accounts",
      "attributes": {
        "master": true,
        "currencyCode": "EUR",
        "label": "master",
        "bankReference": "BDR6421088115176062",
        "balance": "38475.76",
        "totalBalance": "38687.80",
        "currencyType": "fiat"
      }
    },
    {
      "id": "dd5016e1-43bb-4be5-b6d6-79e8d0f662b1",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "EUR",
        "label": "EUR_1",
        "bankReference": "BDR4778763138567183",
        "balance": "80.54",
        "totalBalance": "80.54",
        "currencyType": "fiat"
      }
    },
    {
      "id": "ad5e0084-91d3-46c8-9f79-9231a75442e5",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "EUR",
        "label": "EUR_2",
        "bankReference": "BDR8258604421708687",
        "balance": "52.89",
        "totalBalance": "52.89",
        "currencyType": "fiat"
      }
    },
    {
      "id": "0c201594-19fe-461b-bf37-0d14e51c3f3a",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "EUR",
        "label": "EUR_3",
        "bankReference": "BDR7130670178476243",
        "balance": "78.61",
        "totalBalance": "78.61",
        "currencyType": "fiat"
      }
    },
    {
      "id": "e289de2b-37bd-4eff-b832-f754c31a2d95",
      "type": "accounts",
      "attributes": {
        "master": true,
        "currencyCode": "USDT",
        "label": "master",
        "bankReference": "BDR4180381621673581",
        "balance": "344086.455299",
        "totalBalance": "344219.499753",
        "currencyType": "crypto"
      }
    },
    {
      "id": "fbae9123-59bb-49db-bc6b-0f766c189494",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "USDT",
        "label": "USDT_1",
        "bankReference": "BDR4654328482173537",
        "balance": "78.915973",
        "totalBalance": "78.915973",
        "currencyType": "crypto"
      }
    },
    {
      "id": "2df68c92-b9dd-4ff4-b7f2-5aeb381bf6fc",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "USDT",
        "label": "USDT_2",
        "bankReference": "BDR0042354445442825",
        "balance": "31.434196",
        "totalBalance": "31.434196",
        "currencyType": "crypto"
      }
    },
    {
      "id": "c20dec56-10ce-49e0-ad00-916579f0c04a",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "USDT",
        "label": "USDT_3",
        "bankReference": "BDR3865252360837137",
        "balance": "10.301300",
        "totalBalance": "10.301300",
        "currencyType": "crypto"
      }
    },
    {
      "id": "468a0e31-d9e5-4ad8-86aa-6c4806d40a2d",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "USDT",
        "label": "USDT_4",
        "bankReference": "BDR8606155657480464",
        "balance": "12.392985",
        "totalBalance": "12.392985",
        "currencyType": "crypto"
      }
    }
  ],
  "meta": {
    "page": 1,
    "per_page": 50,
    "total": 34
  },
  "jsonapi": {
    "version": "1.0"
  }
}
```


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.txn.io/accounts/accounts-concept.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.