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

# Accounts & Wallets

> Understand how wallets and virtual accounts work in the Yativo fiat platform

The Yativo fiat platform uses two types of account structures: **wallets** (your business's multi-currency balances) and **virtual accounts** (deposit addresses assigned to your customers).

***

## Your Business Wallets

Your Yativo account comes with one or more currency wallets. Wallets hold your settlement balances and are the source of funds for payouts. You can create additional wallets for different currencies as needed.

| Endpoint                    | Description                                      |
| --------------------------- | ------------------------------------------------ |
| `GET /wallet/balance`       | Returns balances for all your active wallets     |
| `GET /wallet/balance/total` | Returns the aggregate balance across all wallets |
| `POST /wallet/create`       | Create a new currency wallet                     |

See the [Wallets](/yativo-fiat/wallets) guide for full documentation including request and response examples.

***

## Customer Virtual Accounts

Virtual accounts are bank accounts assigned to a specific customer. When a third party sends funds to a virtual account number, the deposit is credited to the corresponding customer and a `virtual_account.deposit` webhook fires.

| Endpoint                                                       | Description                            |
| -------------------------------------------------------------- | -------------------------------------- |
| `POST /business/virtual-account/create`                        | Issue a virtual account for a customer |
| `GET /business/virtual-account`                                | List all virtual accounts              |
| `GET /business/virtual-account/show/{id}`                      | Get a single virtual account           |
| `DELETE /business/virtual-account/delete-virtual-account/{id}` | Delete a virtual account               |
| `POST /business/virtual-account/history/{account_number}`      | Get transaction history for an account |

See the [Virtual Accounts](/yativo-fiat/virtual-accounts) guide for the full walkthrough.

***

## Wallet vs. Virtual Account

|                | Wallet                                 | Virtual Account                                   |
| -------------- | -------------------------------------- | ------------------------------------------------- |
| **Owner**      | Your business                          | An end customer                                   |
| **Purpose**    | Hold settlement balances, fund payouts | Receive deposits on behalf of a customer          |
| **Currency**   | USD, EUR, and others                   | Local currency (BRL, CLP, MXN, etc.)              |
| **Created by** | Dashboard or `POST /wallet/create`     | `POST /business/virtual-account/create`           |
| **Funded by**  | Payins, topped up                      | Customer or third party sending to account number |

***

## Supported Currencies

To retrieve all currencies supported by the platform:

```
GET /currencies/all
```

<RequestExample>
  ```bash cURL theme={null}
  curl -X GET 'https://api.yativo.com/api/v1/currencies/all' \
    -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
  ```
</RequestExample>

***

## Next Steps

* [Wallets](/yativo-fiat/wallets) — manage your business wallet balances and payouts
* [Virtual Accounts](/yativo-fiat/virtual-accounts) — issue accounts to customers for receiving deposits
* [Deposits](/yativo-fiat/deposits) — track and process incoming payments