Sub-Account
Overview
Sub-Account is a powerful infrastructure layer that allows platforms to create, manage, and monitor digital balances across multiple account entities. It combines the functions of a sub-account, business wallet, and digital transfer unit (DTU), giving businesses full control over complex fund flows such as deposits, commissions, payouts, and internal transfers—all under one system.
Whether you're managing agent deposits, partner commissions, or branch-level funds, Sub-Account simplifies the process while ensuring transparency, visibility, and financial control.
Key Features
Sub-Account Structure
Create and manage account layers for agents, partners, or branches.
API & Dashboard Access
Set up, monitor, and control all sub-accounts via APIs or a no-code dashboard.
Custom Fund Routing
Apply programmable logic to automatically route payments, deduct fees, or allocate funds.
Real-Time Monitoring
Gain full visibility into balances, flows, and transaction logs in real time.
Multi-Channel Top-Up
Support VA, QR, or other methods for fund deposits across accounts.
Unified Ledger View
Consolidate and categorize financial records for reconciliation and audits.
Role-Based Oversight
Allow HQ to distribute and track branch funds while enforcing spending rules.
Audit-Ready Logging
Track transaction history and balances for audit, compliance, or reporting purposes.
Use Cases
Who it's for: Platforms that work with agents, travel networks, or product distributors who need to deposit funds and make transactions efficiently.
Challenge: Manually tracking deposits and deductions from multiple agents often leads to errors, delays, and reconciliation headaches.
Solution:
Each agent is assigned a dedicated sub-account with a linked Virtual Account or QR code.
Agents top up their account independently.
Platform deducts transaction amounts automatically as agents make purchases.
Benefits:
Automates top-ups and deductions
Reduces human error and manual intervention
Prevents revenue leakage and simplifies accounting
Who it's for: SaaS platforms, superapps, or payment aggregators needing to consolidate transaction data across services and partners.
Challenge: Managing multiple payment providers and revenue streams makes reconciliation complex and audit prep time-consuming.
Solution:
Use Sub-Account to build a master ledger with categorized sub-accounts.
Track inflows and outflows per channel, partner, or feature.
Benefits:
Centralizes financial oversight
Simplifies reconciliation and audits
Improves transparency and internal reporting
Who it's for: Marketplaces, digital platforms, or superapps that collect customer payments and need to split earnings across vendors, drivers, and platform commissions.
Challenge: Manual fund splitting causes delays, mismatched payouts, and strained partner relationships.
Solution:
Payments are received into a primary account.
Platform defines rules to automatically distribute funds to multiple sub-accounts (e.g., vendor, driver, affiliate).
Benefits:
Automates multi-party payouts
Reduces errors and payout delays
Increases trust and scalability of financial operations
Who it's for: Retail chains, restaurant groups, or franchise networks managing operational budgets across locations.
Challenge: HQ struggles to track branch-level spending and enforce budgets using manual tools or spreadsheets.
Solution:
Assign each branch a dedicated sub-account.
HQ tops up wallets and monitors usage in real-time.
Spending rules or alerts can be applied.
Benefits:
Real-time visibility over branch funds
Centralized control with decentralized execution
Reduces risk of fund misuse and reconciliation time
FAQ
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