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{
    "id": null,
    "uvan": null,
    "name": null,
    "currency": null,
    "reference": null,
    "description": null,
    "balance": {
        "available": {
            "currency": null,
            "value": null
        }
    },
    "createTime": null,
    "updateTime": null,
    "metadata": null
}
A Financial Account is a logical wallet or ledger unit that holds and tracks money for a user or entity.
It represents a balance in a specific currency and serves as the foundation for all money movement within Monime. Each account is uniquely identifiable, has a human-friendly display name (e.g., “Main Wallet”), and is always tied to a single currency such as SLE or USD. In APIs, Financial Accounts act as the source or destination of funds for transfers, payouts, or collections.

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Use Cases

  • Embedded Finance
    With Embedded Finance on Monime, fintechs can create dynamic wallet accounts hosted directly on Monime’s infrastructure.
    Incoming collections from cards, Mobile Money, or banks are deposited into these accounts, which can then be used for spend, cash-out, or peer-to-peer (P2P) transfers by moving funds between accounts. Example : Payments received through Checkout Sessions are credited to a user’s wallet account and can later be transferred to another user’s wallet, enabling seamless P2P experiences.
  • Settlement Account
    Businesses separate collected funds from the account used to settle merchants or subsidiaries.
    Example: A PSP routes daily Mobile Money collections into a Settlement Account before initiating payouts.
  • Disbursement Float
    A pre-funded account maintained to ensure outgoing transfers and payouts can always be covered.
    Example: Your platform maintains a Disbursement Float account; when it runs low, you top it up via an Internal Transfer.
  • Dedicated Currency Account
    Multi-currency platforms maintain one account per supported currency.
    Example: A customer has both a USD Account and an SLE Account, ensuring currency isolation and easier reconciliation.     
{
    "id": null,
    "uvan": null,
    "name": null,
    "currency": null,
    "reference": null,
    "description": null,
    "balance": {
        "available": {
            "currency": null,
            "value": null
        }
    },
    "createTime": null,
    "updateTime": null,
    "metadata": null
}
​
📋
Properties
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id
string
Unique identifier of the financial account.
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uvan
string
UVAN (Universal Virtual Account Number) — a unique, checksum alias used for secure, error-resistant inbound transfers across Monime and external providers.
​
name
string
Human-readable label for the financial account, such as ‘Main Wallet’ or ‘Operations Reserve’.
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currency
string
ISO 4217 currency code (e.g., ‘SLE’, ‘USD’) indicating the account’s currency.
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reference
string
Optional external reference ID for this account (e.g., the account’s identifier in your internal system). Must be unique across accounts. Useful for reconciliation, tracking, or cross-system mapping.
​
description
string
Optional description of the account’s purpose or usage context.
​
balance
object
Current available balance of the financial account.
​
createTime
string
Timestamp when the financial account was created.
​
updateTime
string
Timestamp when the financial account was last modified.
​
metadata
object
Updated metadata for storing additional context about the account.
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