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.


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.


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


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.

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