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This page is the canonical source for geographic account eligibility. It states where each customer type and account type combination is available, in the United States and internationally.

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U.S. availability by customer and account type

Custodial accounts (business and individual) are U.S.-only. They are not available outside the United States: a non-US country on a custodial request is refused with 422 unsupported_jurisdiction. A request from a jurisdiction Brale does not serve for the requested account type returns 422 unsupported_jurisdiction. The rejection is permanent, so retrying the same request will not succeed and it is safe to cache the error against an idempotency key.
All account creation remains subject to verification, program approval, applicable compliance requirements, and Brale’s restricted-business policies. Availability in a state or country does not guarantee approval.

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Custodial availability by state

Individual custodial accounts are supported in these 44 states and territories: Individual custodial accounts are not available in California (CA), Massachusetts (MA), Montana (MT), North Carolina (NC), New York (NY), Tennessee (TN), Texas (TX), Virginia (VA), or the territories American Samoa (AS), Guam (GU), the Northern Mariana Islands (MP), and the U.S. Virgin Islands (VI). Business custodial accounts are supported in the 44 jurisdictions above plus California (CA), Massachusetts (MA), Montana (MT), and North Carolina (NC). They are unavailable in New York (NY), Tennessee (TN), Texas (TX), Virginia (VA), and the territories American Samoa (AS), Guam (GU), the Northern Mariana Islands (MP), and the U.S. Virgin Islands (VI).

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US states and territories in requests

  • When the individual’s country is US, address.state is required and must be a US state or territory, as an abbreviation or full name ("CA", "California", and "PR" all work). Otherwise the request returns 422 invalid_us_state.
  • A US territory is a US jurisdiction, not a separate country. Send country: "US" with the territory in address.state (PR, GU, AS, VI, MP), which is how a territory address is normally written. Do not put a territory in a country field.
  • For a non-US individual, address.state is optional and free-form (a province or region).

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International transactional availability

Business transactional and individual transactional accounts are available in the same set of 131 approved countries outside the United States, listed below. Transactional accounts are non-custodial: they receive no Brale-managed internal wallets, hold no balances at Brale, and register external destination-only addresses. Coverage remains subject to identity verification, sanctions screening, program approval, product support, applicable law, and Brale’s restricted-business policies. A country appearing in this list does not guarantee that an applicant from that country is approved.
Country eligibility and verification method are separate. In some countries Brale can verify an identity number against a government registry; in others, no registry check is available and verification is completed through identity document collection instead. An eligible applicant may therefore be asked for documents even though their country is approved. The document request flow is the same as for U.S. accounts — see Verification.
Individual transactional accounts in these countries are created through the standard API flow: set the top-level individual.country and send a matching identity document type. See Creating a non-US individual account.
POST /accounts does not yet accept a non-U.S. business. The business creation schema requires an EIN and a U.S. address with a valid U.S. state. Until the API supports non-U.S. business creation, business transactional accounts can only be created with a U.S. principal operating address; the country list below defines approved eligibility for business transactional accounts ahead of that API support. Non-U.S. controllers and beneficial owners of a U.S. business are already supported — see Non-US controllers and beneficial owners.

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Approved countries (131)

Countries not in this list are not currently eligible for transactional account creation. Requests for individuals in unapproved countries are rejected before verification begins.

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Custodial vs. transactional

  • Custodial accounts receive Brale-managed internal wallet addresses and can hold Brale-custodied balances. See Custodial Accounts.
  • Transactional accounts are non-custodial. They do not receive internal wallet addresses and cannot hold balances at Brale.
  • Transactional accounts can register external, self-custody destination addresses.
  • External addresses belonging to a transactional account are destination-only. They cannot originate on-chain transfers.
Geographic account eligibility is not the same as workflow or rail availability. An account being available in a state does not mean that every payment rail, automation, transfer direction, industry, or funds flow is available to it. Consult the relevant workflow guides, Transfer Types, and Value Types for capability-specific requirements.

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Which address determines eligibility

  • Individual accounts — the individual’s principal residential address.
  • Business accounts — the business’s principal operating address.
A business’s incorporation state or bank location does not, by itself, determine eligibility.
  • Account types — the entity_type and account_type fields on POST /accounts.
  • Accounts — the full account resource, fields, and lifecycle.
  • POST /accounts — API reference.