---
title: "Accounts overview"
description: "Open and manage customer accounts and account applications."
---

# Accounts overview

Use the Accounts API to submit and process account applications, create accounts, retrieve account details, and update account status.

<CardGroup cols={2}>
  <Card title="Browse account endpoints" icon="code" href="/api-reference/accounts/post-v1-accounts-applications">
    Start with account applications or browse the operations in this category.
  </Card>
  <Card title="Accounts integration guide" icon="book" href="/platform/accounts/overview">
    Understand the account lifecycle before integrating the endpoints.
  </Card>
</CardGroup>

## How it works

Accounts are opened for a customer in one of two ways:

1. **Direct creation** — call [`POST /v1/accounts`](/api-reference/accounts/post-v1-accounts) to open an internal account immediately. Recommended for sandbox and most integrations.
2. **Application flow** — for providers that require review, create an application, collect terms-of-service acceptance, then submit and process it. Once processed successfully, the account is created and returned by the account endpoints.

The typical application sequence is: create → (optionally [validate](/api-reference/accounts/post-v1-accounts-applications-validate)) → [accept TOS](/api-reference/accounts/post-v1-accounts-applications-tos) → [submit](/api-reference/accounts/post-v1-accounts-applications-id-submit) → [process](/api-reference/accounts/post-v1-accounts-applications-id-process) — or combine the last two with [submit-and-process](/api-reference/accounts/post-v1-accounts-applications-id-submit-and-process).

<Note>
For sandbox and testing integrations, use `polygon` as the `blockchain_network` when creating accounts or applications.
</Note>

## Endpoints

### Account applications

| Endpoint | Description |
|---|---|
| [`POST /v1/accounts/applications`](/api-reference/accounts/post-v1-accounts-applications) | Create an account application for a customer |
| [`GET /v1/accounts/applications`](/api-reference/accounts/get-v1-accounts-applications) | List applications with filters and pagination |
| [`GET /v1/accounts/applications/pending`](/api-reference/accounts/get-v1-accounts-applications-pending) | List applications awaiting action |
| [`GET /v1/accounts/applications/{id}`](/api-reference/accounts/get-v1-accounts-applications-id) | Retrieve a single application |
| [`PUT /v1/accounts/applications/{id}`](/api-reference/accounts/put-v1-accounts-applications-id) | Update a draft or rejected application |
| [`DELETE /v1/accounts/applications/{id}`](/api-reference/accounts/delete-v1-accounts-applications-id) | Delete an application |
| [`POST /v1/accounts/applications/{id}/submit`](/api-reference/accounts/post-v1-accounts-applications-id-submit) | Mark an application as submitted for provider processing |
| [`POST /v1/accounts/applications/{id}/process`](/api-reference/accounts/post-v1-accounts-applications-id-process) | Process a submitted application with the provider |
| [`POST /v1/accounts/applications/{id}/submit-and-process`](/api-reference/accounts/post-v1-accounts-applications-id-submit-and-process) | Submit and process in a single call |
| [`GET /v1/accounts/applications/{id}/history`](/api-reference/accounts/get-v1-accounts-applications-id-history) | Audit log of an application's state changes |
| [`POST /v1/accounts/applications/tos`](/api-reference/accounts/post-v1-accounts-applications-tos) | Record the applicant's terms-of-service acceptance |
| [`POST /v1/accounts/applications/validate`](/api-reference/accounts/post-v1-accounts-applications-validate) | Validate an application payload against provider rules without saving |

### Accounts

| Endpoint | Description |
|---|---|
| [`POST /v1/accounts`](/api-reference/accounts/post-v1-accounts) | Create an internal account for a customer |
| [`GET /v1/accounts`](/api-reference/accounts/get-v1-accounts) | List internal accounts with filters and pagination |
| [`GET /v1/accounts/{account_id}`](/api-reference/accounts/get-v1-accounts-account-id) | Retrieve a single account |
| [`PATCH /v1/accounts/{account_id}/status`](/api-reference/accounts/patch-v1-accounts-account-id-status) | Freeze, reactivate, or close an account |

## Account statuses

| Status | Meaning |
|---|---|
| `active` | Account is open and can send and receive funds |
| `frozen` | Account is suspended — set `active` to reactivate it |
| `deleted` | Account is closed permanently. Requires a zero wallet balance, and can't be changed again |

System-managed accounts can't have their status updated.

## Authentication

All requests use `https://api.gravv.xyz/v1/` and authenticate with the `Api-Key` header. See [Authentication](/getting-started/authentication) for details.