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

# Create more accounts

> Create more accounts for your Entity or a third party to track different balances in your organization.

Create more accounts under your own Entity, or under an Entity you open for a client. Each account tracks a separate balance. An Entity is the legal account holder: your Organization always has a main Entity, and you can also create Entities for your clients.

<img src="https://mintcdn.com/fintoc-49b8bee8/YQmOnq8Zegydl6oL/images/a496b56e8856980f84c290cad865a13cf8d6ead40ac99f4d993298beffabff81-image.png?fit=max&auto=format&n=YQmOnq8Zegydl6oL&q=85&s=f370e6c9bb0ada3a356d276a4ad5eada" alt="" width="2404" height="192" data-path="images/a496b56e8856980f84c290cad865a13cf8d6ead40ac99f4d993298beffabff81-image.png" />

## Account activation

Activation depends on which Entity owns the account:

* For your main Entity, accounts activate immediately.
* For a new Entity, accounts stay in `pending` until Fintoc completes business verification for the Entity, within 5 business days.

## Create more accounts for your Organization's Entity

Your Organization in Fintoc starts out with one `Account`, and you can instantly create more accounts for your main Entity. Multiple accounts improve your reconciliation, because you keep a separate balance for each account.

### Use the API

Call the [Create Account](/reference/transfers-api/transfers-accounts/transfers-accounts-create) endpoint with the `entity_id` of your main Entity, or create the account from the [Dashboard](https://dashboard.fintoc.com/accounts). To retrieve this ID, call the [List Entities](/reference/transfers-api/entities/entities-list) endpoint.

```curl theme={null}
curl --request POST \
     --url https://api.fintoc.com/v2/accounts \
     --header 'Authorization: sk_test_32ExjlGaPrvG2AiNSU2lAmNiXL8' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "entity_id": "ent_32ExjlGaPrvG2AiNSU2lAmNiXL8",
  "description": "My main account"
}
'
```

```node Node SDK theme={null}
const account = await fintoc.v2.accounts.create({
  entity_id: "ent_32ExjlGaPrvG2AiNSU2lAmNiXL8",
  description: "My main account"
});
```

```python Python SDK theme={null}
account = client.v2.accounts.create(
  entity_id="ent_32ExjlGaPrvG2AiNSU2lAmNiXL8",
  description="My main account",
)
```

```json Response theme={null}
{
  "id": "acc_32ExjlGaPrvG2AiNSU2lAmNiXL8",
  "object": "account",
  "entity_id": "ent_32ExjlGaPrvG2AiNSU2lAmNiXL8",
  "description": "My main account",
  "status": "active",
  "balance": 0,
  "currency": "mxn"
}
```

## Create accounts for another Entity (your clients)

If you manage funds on behalf of your clients, you can also open accounts under their legal name.

### Example use case

Consider a food delivery platform:

* You keep one Account under your own Entity to collect your platform fees.
* You create one Account per restaurant, each under a new Entity, so that when a customer pays, the transfer receipt shows the restaurant's name rather than your platform's name.

Behind the scenes, you manage balances and payouts between your Account and your clients' Accounts.

<Info>
  **Onboard an entity by API**

  You can complete this flow manually in the Dashboard using the steps below, or programmatically with the API. To create the Entity and complete its verification entirely by API, follow the [Onboard an entity by API](/docs/transfers/manage-accounts/onboard-an-entity-by-api) guide.
</Info>

### 1. Create an Entity

Create the Entity from the [Entities](https://dashboard.fintoc.com/entities) section of your Dashboard: select Create Entity, then enter the Entity's legal name and Mexican Federal Taxpayer Registry number (RFC).

<img src="https://mintcdn.com/fintoc-49b8bee8/SkvJJ-DZ5D4yC6tQ/images/d658aaab0a4a5c708b1bdfdea652380b0e569a8cae531fb90bba07b3f21ff1d1-image.png?fit=max&auto=format&n=SkvJJ-DZ5D4yC6tQ&q=85&s=71d60270d394009ed3614f3a01d4458a" alt="" width="1027" height="201" data-path="images/d658aaab0a4a5c708b1bdfdea652380b0e569a8cae531fb90bba07b3f21ff1d1-image.png" />

### 2. Complete know-your-business verification

Complete the know-your-business (KYB) form for your new Entity directly in the Dashboard. Afterwards, Fintoc's compliance team reviews your information and confirms the Entity is ready to use, within 5 business days.

### 3. Start using Transfers

Once Fintoc confirms the compliance check, you can immediately:

* Create Transfers from your new Entity's main Account.
* Receive Transfers at your main account number, or generate new account numbers.
* Create more Accounts instantly under this Entity.

## Test the integration

In `test` mode, call the [Create Account](/reference/transfers-api/transfers-accounts/transfers-accounts-create) endpoint with `entity_id` set to your main test Entity. The response returns an `id` prefixed with `acc_` and `status` set to `active`, which confirms the Account is ready to use.

<br />