Accounts

Accounts represent your customers. When you register an account with Brale, we conduct KYB checks to ensure secure and compliant fund transfers between your customers' banks accounts and wallets.

To KYB and approve an account, we collect key details such as business name and EIN. For more information, see our Compliance Requirements. If additional details are required, we will notify you with the necessary steps to complete KYB.

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Customers can also self onboard at https://app.brale.xyz/signup

Creating an account

You are required to pass in business information, controller information, and ultimate beneficial owner information.

POST https://api.brale.xyz/accounts

{
  "business_name": "ABC Company Inc", 
  "ein": "12-3456789", 
  "address": {
    "street_line_1": "123 Main St", 
    "street_line_2": "Apt C", // Optional
    "city": "Des Moines", 
    "state": "IA", 
    "zip": "12345"
  },
  "phone_number": "2134678902", 
  "email": "[email protected]", 
  "website": "abccompany.com", 
  "business_controller": { 
    "first_name": "John",
    "last_name": "Doe", 
    "ssn": "222-22-2222",
    "dob":"1981-01-25",
    "email":"[email protected]",
    "phone_number": "2154688987",
    "ownership_percentage":"50",
    "address": {
      "street_line_1": "456 Elm St", 
      "street_line_2": "Suite 5",  // Optional
      "city": "Chicago", 
      "state": "IL", 
      "zip": "60601"
    }
  },
  "beneficial_owners": [  // Required for any owners of 25% of more
    {
      "first_name": "Bob",
      "last_name": "Nguyen",
      "ssn": "888-77-6666",
      "dob": "1981-11-02",
      "email": "[email protected]",
      "phone_number": "2675550456",
      "ownership_percentage": "50",
      "address": {
        "street_line_1": "301 Chestnut Street",
        "city": "Philadelphia",
        "state": "PA",
        "zip": "19106"
      }
    }
  ],
   "tos_attestation": {
     "version":"2025-04-01",
     "accepted_at":"2025-05-13 20:45:15Z",
     "ip":"203.0.113.42", // Optional
     "user_agent": "Mozilla/5.0 ..." // Optional
    }
}

Presenting the Brale End-User Agreement

Partners must show the exact Brale End-User Agreement (EUA) to their end users before calling POST /accounts and capture consent. The most recent version is hosted at https://brale.xyz/legal/end-user-agreement.

Accounts - Required vs. Optional Fields

Common Errors when creating Accounts

Account Status

Brale will review the Account and return a status field denoting the customer's KYB status. If the customer is in a pending status, you will need to wait for the customer to be verified before creating or linking addresses or bank accounts.

GET https://api.brale.xyz/accounts/:id

{
    "id": "2VcUIIsgARwVbEGlIYbhg6fGG57",
    "name": "ABC Company",
    "status": "pending",
    "created": "2023-09-19T14:46:20"
}

Account Statuses

• Pending: KYB is in progress
• Complete: KYB is completed and the account is approved
• Rejected: The account's KYB was rejected

Using Account ID in every request

All resources in the Brale API (Addresses, Financial Institutions, Transfers, Automations, etc.) are scoped to specific accounts. Supply the ID in the path, never in the body.

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Path Rule

Every endpoint that contains {account_id} must be called by including the account ID in the path.
E.g. GET  https://api.brale.xyz/accounts/2Js1YFqlfxgNqC2KTPEjrWIwKU7/addresses
Do not send the account ID in the body or query string.