Account

Rail overview

Use ACCOUNT whenever money starts from or lands in a balance held inside Conomy.

Internal movements do not require a provider handoff; the payment lifecycle is driven by ledger validation, ownership checks, and account balance availability.

Region Conomy ledger

Currency Account currency

Direction Origin / Destination

Model Internal account node

Use it as the destination for topups and purchases, and as the origin for withdrawals, remittances, fees, collect, and P2P flows.

Fields

Field	Type	Description
type	string	Must be "ACCOUNT"
currency	string	Currency of the account
account.accountNumber	string	Platform account number
account.identityId	string	Identity ID linked to the account

Example — as origin (payout flow)

{
  "type": "ACCOUNT",
  "currency": "CLP",
  "account": {
    "accountNumber": "acc_abc123"
  }
}

Example — as destination (top-up flow)

{
  "type": "ACCOUNT",
  "currency": "BRL",
  "account": {
    "accountNumber": "acc_xyz456",
    "identityId": "identity_789"
  }
}

The accountNumber corresponds to the account created via the Accounts API.

Object

idstringrequired

Unique identifier for the internal service.

identityIdstringrequired

Identifier linking the internal account to an organization or user.

externalIdstringrequired

External reference identifier for integrations.

typestringrequired

CHECKINGASSETSAVINGSESCROWFEE

custodystringrequired

Indicates the custody type managing the internal account.

balancestring/^\d+(\.\d+)?$/required

Total balance available in the internal account.

availableFundsstring/^\d+(\.\d+)?$/required

Amount of funds available for transactions.

currencystringrequired

Specifies the currency used, following the ISO 4217 standard for fiat currencies (e.g., CLP, ARS, MXN). Go to the currencies page for the complete list of supported values.

namestringrequired

A friendly name assigned to the internal account.

accountNumberstringrequired

Internal reference number for the account.

accountHolderstringrequired

Name of the entity or user owning the internal account.

statusstringrequired

The current status of the account (e.g., PENDING, ACTIVE, BLOCKED).

parentIdstringrequired

Identifier of the parent account if this is a sub-account.

subAccountsobject

Details of sub-accounts associated with this internal account.

balancestring/^\d+(\.\d+)?$/required

Total balance of the sub-account.

availableFundsstring/^\d+(\.\d+)?$/required

Funds available for use within the sub-account.

custodyBankAccountobject

Details of the custody bank account linked to this internal account.

accountNumberstringrequired

The bank account number.

bankstringrequired

The name of the bank where the account is held.

currencystringrequired

Specifies the currency used, following the ISO 4217 standard for fiat currencies (e.g., CLP, ARS, MXN). Go to the currencies page for the complete list of supported values.

typeAccountstring

The type of bank account. CHECKING_ACOUNT, SAVINGS

countrystringrequired

Country of operations for the entity, specified using the ISO 3166-1 alpha-3 standard (e.g., CHL, USA, MEX). Go to the countries page for the complete list of supported values.