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An Account holds, sends, and receives funds. Fintoc accounts combine the features of a traditional bank account with a real-time ledger. For the API fields, see the Account object reference. Fintoc offers Account objects only to businesses. Account objects do not support overdrafts and provide visibility into individual transfer activity.

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Root account

A root Entity owns each root Account. Your company owns the funds in its root Account. When you start using Fintoc, Fintoc automatically creates a root Account. You cannot modify the root Account.

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Balance

Every Account includes an available_balance attribute. This balance reflects the funds currently available to spend. Because Fintoc accounts do not support overdrafts, Fintoc rejects requests to move more than the available balance. Fintoc immediately deducts the funds for pending transfers from your balance. If a transfer fails, Fintoc restores the funds.