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

# Digital Asset Accounts

> Stablecoin-backed account infrastructure for distributors and their business end customers

Digital Asset Accounts lets distributors such as fintechs, platforms, and
marketplaces offer stablecoin-backed accounts to their business end customers.
Circle handles custody, compliance, and regulatory oversight under a
[Direct End-User Custody model](/digital-asset-accounts/concepts/custody-model).
Distributors can focus on building great products without managing digital asset
custody.

Digital Asset Accounts supports USDC and EURC across
[multiple blockchains](/digital-asset-accounts/references/supported-currencies-and-blockchains).

<Warning>
  Digital Asset Accounts is a permissioned product. Contact your [Circle
  representative](mailto:sales@circle.com) to enable API access and request
  sandbox provisioning before you can call the End User Onboarding and Digital
  Asset Accounts APIs.
</Warning>

## Key features

<CardGroup cols={3}>
  <Card title="Fiat Deposits and Withdrawals" icon="building-columns">
    Fund accounts through wire transfers and withdraw to bank accounts with
    automatic stablecoin minting and redemption
  </Card>

  <Card title="Crypto Transfers" icon="arrow-right-arrow-left">
    Send and receive stablecoins to and from external blockchain addresses with
    full transaction tracking
  </Card>

  <Card title="Internal Transfers" icon="arrows-rotate">
    Move funds instantly between sub-accounts in the same program with no
    blockchain fees
  </Card>

  <Card title="Custody Balances" icon="wallet">
    View real-time balances across all accounts and currencies with
    Circle-managed custody
  </Card>

  <Card title="Transaction History" icon="clock-rotate-left">
    Access a complete audit trail of all deposits, withdrawals, transfers, and
    internal movements
  </Card>

  <Card title="Risk and Compliance" icon="shield-check">
    Built-in risk ratings, transaction limits, and compliance controls managed
    by Circle
  </Card>
</CardGroup>

## What you can build

Integrate Digital Asset Accounts to power a range of financial services for your
business customers.

<AccordionGroup>
  <Accordion title="Fintech wallets" icon="mobile">
    Build stablecoin-powered wallet experiences for your business customers. Each
    customer gets a dedicated account with fiat on-ramps, crypto transfers, and
    real-time balance visibility—all backed by Circle's custody infrastructure.
  </Accordion>

  <Accordion title="Marketplace payouts" icon="store">
    Enable fast, low-cost payouts to sellers and service providers on your
    marketplace. Use internal transfers for instant settlement between buyer and
    seller accounts. Offer flexible withdrawal options through wire or crypto.
  </Accordion>

  <Accordion title="SMB financial operating systems" icon="briefcase">
    Give small and medium businesses a stablecoin-based financial operating system.
    Your customers can receive payments, hold balances in USDC or EURC, and pay
    vendors and partners.
  </Accordion>

  <Accordion title="Cross-border B2B payments" icon="globe">
    Build cross-border payment solutions that use stablecoins to skip correspondent
    banking delays. Your customers can send and receive funds globally with
    transparent pricing and near-instant settlement.
  </Accordion>
</AccordionGroup>

## How it works

<Steps>
  <Step title="Onboard businesses">
    Use the [End User Onboarding API](/end-user-onboarding) to submit business
    information, upload documents, and manage Know Your Business (KYB)
    verification programmatically. Once approved, each business entity receives
    a dedicated account with sub-accounts for holding USDC and EURC.
  </Step>

  <Step title="Fund accounts">
    Customers fund accounts by sending a wire transfer to their dedicated wire
    instructions or by depositing stablecoins to a blockchain-specific deposit
    address. Wire deposits are automatically minted into the corresponding
    stablecoin.
  </Step>

  <Step title="Move funds">
    Transfer funds instantly between sub-accounts in your program at no cost, or
    send stablecoins to external blockchain addresses. Withdraw to bank accounts
    through wire transfers with automatic stablecoin redemption.
  </Step>

  <Step title="Monitor accounts">
    Query account balances and transaction history through the API. Set up
    webhook notifications to receive real-time updates on deposits, withdrawals,
    and transfers.
  </Step>
</Steps>

## Get started

<CardGroup cols={2}>
  <Card title="Onboard customers" icon="user-plus" href="/digital-asset-accounts/quickstarts/onboard-customers">
    Create a business client, complete KYB, and get an active account
  </Card>

  <Card title="Fund account with wire deposit" icon="rocket" href="/digital-asset-accounts/quickstarts/fund-account-with-wire-deposit">
    Simulate your first deposit in sandbox
  </Card>

  <Card title="Account structure" icon="sitemap" href="/digital-asset-accounts/concepts/account-structure">
    Understand accounts, sub-accounts, and programs
  </Card>

  <Card title="Supported currencies and blockchains" icon="coins" href="/digital-asset-accounts/references/supported-currencies-and-blockchains">
    View supported stablecoins and blockchains
  </Card>
</CardGroup>

## OpenAPI specifications

The Digital Asset Accounts and End User Onboarding API references are generated
from these OpenAPI specifications:

* `https://developers.circle.com/openapi/accounts.yaml`
* `https://developers.circle.com/openapi/customer-orchestration.yaml`
* `https://developers.circle.com/openapi/partner-openapi.yaml`

See [OpenAPI Specifications](/api-reference/openapi-specifications) for the full
catalog of Circle's API specs.