accounts.register

Register a bank account, card or wallet for bookkeeping; this does not connect a provider or move funds. Use ownerPartyId for a personal account, so the books record what the business owes its owner.

What it does

Register a named bank account, corporate card, or wallet for bookkeeping. Supply a stable unique financialAccountId and, for a provider-held account, providerPartyId naming an existing party; the provider is classified as such. providerContractId optionally links that provider’s active vendor contract with fee activities whose terms price each rail. Supply openingBalance (signed integer minor-unit string) and openingDate (YYYY-MM-DD) for an existing balance; positive means assets held or card amount owed. openingEquityAccountCode defaults to 3900.

Transactions before the opening date are refused. Optional last4 and network identify the account without storing a full account number. Optional brandColor (#RRGGBB) and logoDocumentId (an image document) give it its issuer’s look in the workspace. Does not connect a provider or move funds. USD is the supported ledger currency. glAccountCode defaults from kind: card -> 2190 card payable, wallet -> 1410 stablecoin holdings, anything else -> 1110 cash; use 1310 digital assets for a wallet holding other crypto.

A card is a liability, never cash: kind card is refused on 1110, 1310 or 1410, and 2190 accepts only kind card (kind defaults to card when glAccountCode is 2190). A person’s own account (a founder’s personal card) takes ownerPartyId, an existing party: it lives on 2135 due to related parties keyed to them, is never company cash, a company card or a default, and is named by pay_related when that person pays a vendor’s bill.

Before you send it

An authorized OAuth connection may call it, including a headless client. Effective membership, application grant and token permissions still apply. Describe accounts.register through GET /v1/catalog/commands/{name} before acting.

This command does not accept source_document_id in its envelope. Any input evidence requirements remain as documented below.

Inputs

Put these fields inside the envelope’s input object. The outer envelope names the command, a stable idempotency_key and effective_at; request and recovery rules explain those separately. Use exact minor-unit integer strings for monetary fields. Take existing IDs from prior reads or command results; choose a new identity only where the command asks for one.

Required means required within its containing object; an optional parent can be omitted.

After acceptance

When the command emits events, its documented effects and receipt are recorded in the command transaction. The response returns commandId, replayed, the command-specific result below and emitted events with their IDs and CIDs. A command is not automatically a cash movement or revenue recognition: use the behavior above to determine what this command records.

Inspect result and the affected records or reports before continuing. Save returned identifiers for later calls. Fetch GET /v1/commands/{id} with commandId to recover the accepted receipt; retry the same intent with the same idempotency key if the response was lost. Some commands can succeed with events: [] and return a transient result and commandId without persisting a receipt. A lookup of that ID can return null; retain the returned result and verify the affected record. Retrying can re-evaluate the current state rather than replay a stored result. A domain no_change is a separate success outcome with no persisted receipt.

Result fields

Required means required within its containing object; an optional parent can be omitted.

All commands · Operation and errors · Reusable schemas

Keep credentials out of prompts; rehearse writes only in a disposable sandbox.

Exact request schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "type": "object",
  "properties": {
    "name": {
      "const": "accounts.register"
    },
    "input": {
      "type": "object",
      "properties": {
        "financialAccountId": {
          "type": "string",
          "minLength": 1
        },
        "openingBalance": {
          "type": "string",
          "pattern": "^-?(0|[1-9][0-9]*)$",
          "description": "Exact signed minor units at the start of openingDate. Positive is money held for a bank/wallet, amount owed for a card. Use with openingDate, including for zero."
        },
        "openingDate": {
          "type": "string",
          "format": "date",
          "description": "YYYY-MM-DD, inclusive start of the account's books (UTC). Earlier payments and journals are refused."
        },
        "openingEquityAccountCode": {
          "type": "integer",
          "description": "Postable equity chart account for the other side; defaults to 3900 Opening balance equity."
        },
        "name": {
          "type": "string",
          "minLength": 1
        },
        "currency": {
          "type": "string",
          "minLength": 1
        },
        "glAccountCode": {
          "enum": [
            1110,
            1310,
            1410,
            2190
          ]
        },
        "kind": {
          "enum": [
            "checking",
            "savings",
            "card",
            "wallet",
            "other"
          ]
        },
        "isDefault": {
          "type": "boolean"
        },
        "ownerPartyId": {
          "type": "string",
          "minLength": 1
        },
        "providerPartyId": {
          "type": "string",
          "minLength": 1
        },
        "providerContractId": {
          "type": "string",
          "minLength": 1
        },
        "last4": {
          "type": "string",
          "pattern": "^[0-9]{4}$"
        },
        "network": {
          "type": "string",
          "minLength": 1
        },
        "brandColor": {
          "type": "string",
          "pattern": "^#[0-9A-Fa-f]{6}$",
          "description": "The issuer's brand color as #RRGGBB, drawn as the account's card or plate."
        },
        "logoDocumentId": {
          "type": "string",
          "minLength": 1,
          "description": "The issuer's logo: the documentId of an image document (documents.receive kind image, PNG/JPEG/WebP)."
        }
      },
      "required": [
        "financialAccountId",
        "name",
        "currency"
      ],
      "additionalProperties": false
    },
    "idempotency_key": {
      "type": "string",
      "minLength": 1,
      "maxLength": 256
    },
    "effective_at": {
      "type": "string",
      "format": "date-time",
      "pattern": "^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$"
    }
  },
  "required": [
    "name",
    "input",
    "idempotency_key",
    "effective_at"
  ],
  "additionalProperties": false
}

Accepted command receipt

{
  "type": "object",
  "required": [
    "commandId",
    "replayed",
    "result",
    "events"
  ],
  "properties": {
    "commandId": {
      "type": "string"
    },
    "replayed": {
      "type": "boolean"
    },
    "imported": {
      "const": true,
      "description": "The command's events are history from before the business joined Economico, recorded as an import: free of monthly events."
    },
    "result": {
      "type": "object",
      "properties": {
        "financialAccountId": {
          "type": "string",
          "minLength": 1
        },
        "name": {
          "type": "string",
          "minLength": 1
        },
        "currency": {
          "type": "string",
          "minLength": 1
        },
        "glAccountCode": {
          "enum": [
            1110,
            1310,
            1410,
            2190,
            2135
          ]
        },
        "kind": {
          "enum": [
            "checking",
            "savings",
            "card",
            "wallet",
            "other"
          ]
        },
        "isDefault": {
          "type": "boolean"
        },
        "archived": {
          "type": "boolean"
        },
        "ownerPartyId": {
          "type": "string",
          "minLength": 1
        },
        "providerPartyId": {
          "type": "string",
          "minLength": 1
        },
        "providerContractId": {
          "type": "string",
          "minLength": 1
        },
        "last4": {
          "type": "string",
          "pattern": "^[0-9]{4}$"
        },
        "network": {
          "type": "string",
          "minLength": 1
        },
        "brandColor": {
          "type": "string",
          "pattern": "^#[0-9A-Fa-f]{6}$",
          "description": "The issuer's brand color as #RRGGBB, drawn as the account's card or plate."
        },
        "logoDocumentId": {
          "type": "string",
          "minLength": 1,
          "description": "The issuer's logo: the documentId of an image document (documents.receive kind image, PNG/JPEG/WebP)."
        }
      },
      "required": [
        "financialAccountId",
        "name",
        "currency",
        "glAccountCode",
        "kind",
        "isDefault",
        "archived"
      ]
    },
    "events": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "id": {
            "type": "integer"
          },
          "cid": {
            "type": "string"
          }
        }
      }
    }
  }
}

Example request

{
  "name": "accounts.register",
  "input": {
    "financialAccountId": "fa_example_bank",
    "name": "Operating bank",
    "currency": "USD",
    "kind": "checking"
  },
  "effective_at": "2026-09-01T00:00:00Z",
  "idempotency_key": "accounts.register-example-0"
}

Example request

{
  "name": "accounts.register",
  "input": {
    "financialAccountId": "card_founder_visa_4242",
    "name": "Founder's Visa ending 4242",
    "currency": "USD",
    "kind": "card",
    "ownerPartyId": "founder_ada"
  },
  "effective_at": "2026-09-01T00:00:00Z",
  "idempotency_key": "accounts.register-example-1"
}