> ## 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.

# Account types

> Choose between business (KYB) custodial accounts and individual (KYC) transactional accounts using three optional dimension fields on POST /accounts.

`POST /accounts` accepts three optional discriminator fields that determine how Brale verifies the account and what it can do:

| Field               | Values                       | Default when omitted |
| ------------------- | ---------------------------- | -------------------- |
| `entity_type`       | `business`, `individual`     | `business`           |
| `account_type`      | `custodial`, `transactional` | `custodial`          |
| `verification_mode` | `standard`, `reliance`       | `standard`           |

<Note>
  Omitting all three dimension fields produces exactly today's behavior. Existing integrations that create business accounts do not need to change.
</Note>

## Supported combinations

Only three combinations are accepted:

| `entity_type` | `account_type`  | `verification_mode` | Verification               |
| ------------- | --------------- | ------------------- | -------------------------- |
| `business`    | `custodial`     | `standard`          | KYB (existing behavior)    |
| `individual`  | `transactional` | `standard`          | KYC                        |
| `individual`  | `transactional` | `reliance`          | KYC under a reliance model |

Any other combination is rejected with `422 unsupported_account_combination`. The rejection is permanent, so it is safe for clients to cache the error against an idempotency key.

There is no individual + custodial combination and no business + transactional combination.

## When to choose each

* **Business, custodial, standard** — a business entity that will hold stablecoin balances in Brale-custodied wallets, initiate transfers, and use Brale as its record of funds. See [Custodial Accounts](/guides/managed-accounts).
* **Individual, transactional, standard** — a natural person who receives value on-chain (for example, as the destination of an on-ramp) but does not hold custody with Brale. See [Individual accounts](/guides/individual-accounts).
* **Individual, transactional, reliance** — the same shape as the standard individual path, verified under a reliance model. Use this when your integration operates under an agreement with Brale that specifies reliance.

## Backward compatibility

The dimension fields are optional and default to the values that describe today's account. A request that omits `entity_type`, `account_type`, and `verification_mode` continues to create a KYB-verified business account with Brale-custodied wallets, exactly as before.

## Related

* [Accounts](/key-concepts/accounts) — the full account resource, fields, and lifecycle.
* [Individual accounts](/guides/individual-accounts) — end-to-end workflow for creating and using a transactional account.
* [`POST /accounts`](/api-reference/brale/create-account) — API reference.