Sub-Account

Introduction

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.

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Key Features

Feature	Description
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.

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Use Cases

Agent Deposit System (Agent Networks, Distributors)

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

Unified Ledger (SaaS, Aggregator Platforms)

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

Fund Routing (Marketplaces, Multi-Party Platforms)

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

Branch Fund Oversight (Franchises, Multi-Branch Orgs)

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

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FAQ

Do I need to be a licensed financial institution?

No. You can operate under DOKU’s regulatory framework. All fund movements and compliance operations are handled within our infrastructure.

Can I use both the API and dashboard?

Yes. Sub-Account is accessible via both a developer-friendly API and a real-time dashboard for operations and finance teams.

What kind of accounts can I create?

You can create virtual sub-accounts for agents, partners, branches, or any internal department. Each account supports fund tracking and routing based on your defined rules.

Is there a cost to create a sub-account?

There is no setup fee for creating sub-accounts. Pricing is based on actual fund movement (e.g., transfers, disbursements) and will be charged per transaction.

What payouts options are available in Sub-Account?

Sub-Account upports various payout options, including bank transfers and e-Wallets. It allows businesses to initiate secure and timely payouts to partners or internal divisions.

Can I create and manage accounts for both internal divisions and external partners?

Yes, Sub-Account allows you to create and manage accounts for both internal divisions and external partners, providing a comprehensive financial management solution for your business.