Start using a sub-account

Once a sub-account has been submitted and approved, there are two things left to do before you can use it: get the nominated director/authorised signatory to accept Verto's Terms & Conditions (Atlas for Platform only), and authenticate as the sub-account so you can operate on its behalf.

The flow

Step 1: Director T&C acceptance (Atlas for Platform only)

Every Atlas for Platform sub-account is a legally isolated Verto customer. The sub-account's director must accept Verto's Terms & Conditions, which also grants your platform permission to operate the account. Until they do, the sub-account can't be used.

Emails are sent directly to the director by Verto, to ensure that legal agreement is formed for the provision of financial services to that entity.

Before you start

• The sub-account's companyStatus must be APPROVED
• At least one shareholder must be flagged as a director (isControllingOfficer: true) with a valid email address, submitted through the onboarding data endpoint

Send the email

Call Send T&C email with the sub-account's company ID as subCompanyId in the path, and the director's details in the body:

{
  "email": "[email protected]",
  "shareholderId": "shareholder-id-from-onboarding-data"
}

What happens next

The director receives an email, reviews Verto's Terms & Conditions and accepts them. When they do, the sub-account's linkedStatus moves from PENDING to ACCEPTED, and the sub-account is fully active.

Step 2: Authenticate as the sub-account

Everything you do on a sub-account, including creating wallets, receiving funds, converting currency and making payouts, is done as that sub-account. Call Sub-Account Login with the sub-account's company ID as subCompanyId in the path to get a sub-account token.

Send that token as a Bearer token on every request you make on behalf of the sub-account. Tokens are time-limited (1 hour). When one expires, call Sub-Account Login again for a new one. Each token belongs to a single sub-account, so request a separate token for each sub-account you operate.

What you can do next

With the sub-account active and a token in hand, you're ready to start using it:

In this section

Need help?

If you have questions about your integration or need support, contact our enterprise API support team at [email protected] or reach out to your account manager directly.