Accounts concept

A Txn account is a currency account: it holds your balance in a single currency on the Txn platform. Every tradable currency 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:

{
  "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"
  }
}