> ## Documentation Index
> Fetch the complete documentation index at: https://docs.corebanq.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounts overview

> Core banking account management functionality

## Overview

The Accounts API provides functionality for managing:

* Bank accounts
* Multi-currency support
* Balance tracking
* IBAN management
* Customer accounts

## Core Concepts

### Account Types

| Type      | Description               | Features            |
| --------- | ------------------------- | ------------------- |
| `current` | Standard checking account | Payments, transfers |
| `savings` | Interest-bearing account  | Interest rates      |
| `escrow`  | Held funds account        | Controlled release  |

### Account Status

| Status     | Description          | Next States       |
| ---------- | -------------------- | ----------------- |
| `active`   | Fully operational    | inactive, blocked |
| `inactive` | Temporarily disabled | active, closed    |
| `closed`   | Permanently closed   | -                 |
| `blocked`  | Usage restricted     | active            |

### Account Properties

| Field         | Description        | Required |
| ------------- | ------------------ | -------- |
| `customer_id` | Account owner      | Yes      |
| `currency`    | Account currency   | Yes      |
| `type`        | Account type       | Yes      |
| `description` | Account name       | No       |
| `iban`        | Account number     | Auto     |
| `bic`         | Bank identifier    | Auto     |
| `bban`        | Basic bank account | Auto     |

### Balance Components

| Type        | Description          | Usage            |
| ----------- | -------------------- | ---------------- |
| `available` | Available funds      | Spendable amount |
| `current`   | Current balance      | Total balance    |
| `pending`   | Pending transactions | Processing       |
| `holds`     | Reserved funds       | Blocked amount   |

### Metadata Options

| Field         | Description       |
| ------------- | ----------------- |
| `purpose`     | Account purpose   |
| `cost_center` | Cost center code  |
| `department`  | Department name   |
| `project`     | Project reference |

## Validation Rules

### Currency Rules

* Valid ISO 4217 code
* Supported by bank
* Matches country rules

### IBAN Rules

* Country-specific format
* Valid checksum
* Unique per customer
* Active bank code

## Security Requirements

* Customer-scoped access
* Role-based permissions
* Balance visibility rules
* Transaction limits
* Audit logging

<Note>
  See individual endpoint documentation for detailed request/response formats and examples.
</Note>