> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zbx.boomfi.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Whitelist a Fiat Bank Account

> Register a bank account as a fiat payout destination.

Register a bank account you control as a fiat payout destination. See [Overview](/whitelist-external-account/overview) for why registration is the security-sensitive step.

## Register

<CodeGroup>
  ```bash Business beneficiary theme={null}
  curl -X POST "https://mapi.zbx.com/v1/accounts/external-account" \
    -H "X-API-KEY: sk_test_xxx" \
    -H "X-Step-Up-Token: <step-up-token>" \
    -H "Content-Type: application/json" \
    -d '{
      "type": "Fiat",
      "reference": "treasury-eur",
      "name": "Treasury (EUR)",
      "currencies": ["EUR"],
      "account_number": "DE89370400440532013000",
      "bank_name": "Example Bank",
      "account_holder_name": "Example Trading Ltd",
      "country": "DE",
      "beneficiary_type": "business",
      "payment_rail": "SEPA"
    }'
  ```

  ```bash Individual beneficiary theme={null}
  curl -X POST "https://mapi.zbx.com/v1/accounts/external-account" \
    -H "X-API-KEY: sk_test_xxx" \
    -H "X-Step-Up-Token: <step-up-token>" \
    -H "Content-Type: application/json" \
    -d '{
      "type": "Fiat",
      "reference": "founder-payout-eur",
      "name": "Founder payout (EUR)",
      "currencies": ["EUR"],
      "account_number": "DE89370400440532013000",
      "bank_name": "Example Bank",
      "account_holder_name": "Jane Doe",
      "country": "DE",
      "beneficiary_type": "individual",
      "first_name": "Jane",
      "last_name": "Doe",
      "payment_rail": "SEPA"
    }'
  ```
</CodeGroup>

`X-Step-Up-Token` is required when you authenticate with a Bearer session; it is ignored for API-key auth. The account is **enabled** immediately — registering it is the approval.

| Field | Type | Required | Description |
| - | - | - | - |
| `type` | string | yes | `Fiat` |
| `reference` | string | yes | Your own reference for this account. Used to address it on a payout |
| `name` | string | yes | Display name |
| `currencies` | array | yes | Exactly one settlement currency |
| `account_number` | string | yes | Bank account number or IBAN. Encrypted at rest; responses return a masked hint |
| `account_holder_name` | string | yes | Legal account holder. Encrypted at rest; responses return a masked hint |
| `country` | string | yes | Bank country, ISO 3166-1 alpha-2 |
| `bank_name` | string | no | Name of the beneficiary bank |
| `beneficiary_type` | string | no | `individual` or `business` (defaults to `business`) |
| `first_name`, `last_name` | string | required if `individual` | Beneficiary name |
| `business_name` | string | no | Defaults to `account_holder_name` for a business beneficiary |
| `payment_rail` | string | no | `SEPA` or `SEPA_INSTANT` (defaults to `SEPA`) |

A second registration with the same `reference` returns **409**.

## List

```bash theme={null}
curl "https://mapi.zbx.com/v1/accounts/external-account?type=Fiat" \
  -H "X-API-KEY: sk_test_xxx"
```

Response fields for a fiat account: `id`, `reference`, `name`, `currencies`, `account_number_hint`, `account_holder_name_hint`, `bank_name`, `country`, `beneficiary_type`, `payment_rail`, `enabled`, `created_at`. The account number and holder name are never returned in full.

## Remove

```bash theme={null}
curl -X DELETE "https://mapi.zbx.com/v1/accounts/external-account/123" \
  -H "X-API-KEY: sk_test_xxx" \
  -H "X-Step-Up-Token: <step-up-token>"
```

Payouts already in flight are unaffected; new payouts can no longer name this account.

## Next steps

Once registered and enabled, pay out to this account by its `id` or `reference`.


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