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

# Transactional Accounts

> Create verified managed accounts with external self-custody destinations, without Brale-managed wallet balances.

<Info>
  Transactional Accounts are a managed-account configuration. For the account-model comparison and platform-to-customer relationship, see [Managed Accounts](/guides/managed-accounts).
</Info>

## What transactional accounts are

A transactional account is a verified business (KYB) or individual (KYC) account that your platform creates and operates through the API. Each one has its own `account_id`.

This guide applies to both business and individual managed accounts. The account-creation payload and verification requirements differ by entity type; see [Accounts](/key-concepts/accounts) and [Individual Accounts](/guides/individual-accounts) for those details.

Transactional accounts are non-custodial. They receive no internal wallet addresses and hold no Brale-custodied balance. A transactional account is not a wallet or a stored-value account. It is a verified identity with one or more registered external destination addresses.

## When to use them

Use a transactional account when:

* Your end customer needs a verified identity and an external, self-custody destination.
* Your platform does not need the end customer to hold a Brale-custodied balance.

If your customer needs Brale-managed wallet addresses and a stablecoin balance, use [Custodial Accounts](/guides/custodial-accounts) instead.

## Key limitations

<Warning>
  * **No internal or custodial addresses.** A transactional account has no automatic custodial wallet at creation and cannot hold internal (`type=internal`) addresses.
  * **External addresses are destination-only.** An external address on a transactional account can receive value but cannot be the source of a transfer.
  * **The account cannot originate an on-chain transfer.** An attempt returns `422` with type `compatible_address_not_found`.
  * **Automations from a transactional account may only target external destinations.** A Brale-custodied destination is rejected.
</Warning>

## How it works

1. **Create the account.**\
   Call [`POST /accounts`](/api-reference/brale/create-account) with `entity_type` set to `business` or `individual` and `account_type: "transactional"`. See [Accounts](/key-concepts/accounts) for the request fields for each entity type.
2. **Wait for verification.**\
   Brale runs verification asynchronously. When it succeeds, `status` becomes `complete` and `account.verification.completed` fires. See [Accounts](/key-concepts/accounts#verification) for how to handle document requests.
3. **Register an external destination address.**\
   Add the customer's self-custody wallet with [`POST /accounts/{account_id}/addresses/external`](/api-reference/brale/create-address). See [Addresses](/key-concepts/addresses).
4. **Deliver value to the destination.**\
   Use the external address as the destination in a transfer that originates elsewhere. A transactional account itself cannot be the source of an on-chain transfer. See [Transfers](/key-concepts/transfers) and [Automations](/key-concepts/automations) for supported funding and delivery flows.
5. **Attribute activity.**\
   Inbound events carry `data.account_id`. A webhook subscription on your managing account receives events for every account it manages, so you can attribute activity to the correct managed customer account. See [Webhook Events](/webhooks/webhook-events).

## Business and individual accounts

Both business and individual entities can use the transactional model, subject to your configured program, eligibility, and availability. The request shape and geographic rules differ by entity type:

* [Accounts](/key-concepts/accounts) covers the request fields for business and individual accounts.
* [Account types](/key-concepts/account-types) explains the `entity_type`, `account_type`, and `verification_mode` combinations.
* [Account availability](/coverage/account-availability) lists the U.S. states and approved countries where each account type can be created.
* [Individual accounts](/guides/individual-accounts) walks through the end-to-end individual flow.

## Related resources

* [Accounts](/key-concepts/accounts)
* [Account types](/key-concepts/account-types)
* [Account availability](/coverage/account-availability)
* [Individual accounts](/guides/individual-accounts)
* [Addresses](/key-concepts/addresses)
* [Transfers](/key-concepts/transfers)
* [Automations](/key-concepts/automations)
* [Webhook Events](/webhooks/webhook-events)
* [`POST /accounts`](/api-reference/brale/create-account)