Update counterparty account

Updates an existing counterparty account's information including bank details, crypto wallet information, account status, and payment configurations.

This endpoint supports partial updates - only include the fields you want to modify.

Endpoint

PATCH/v2/counterparty/{counterpartyId}/account/{accountId

Link

Gateway APIstagep.tst-apidmndelss.com

Request

Path Parameters

Parameter	Type	Description	Required	Example
counterpartyId	string	Counterparty ID that owns the account.	Yes	"cp_12345"
accountId	string	Account ID to update.	Yes	"acc_12345"

Headers

Key	Value	Required
Authorization	123	Yes
Content-Type	application/json	Yes
Accept	application/json	Yes

Request Body

All fields are optional - only include fields that need to be updated.

json

{
  "item": {
    "currencyCode": "USD",
    "status": "ACCEPT",
    "bank": {
      "name": "Updated Bank Name",
      "number": "987654321",
      "address": {
        "addressLine1": "789 Updated Bank Street",
        "city": "New York",
        "stateIso": "NY",
        "countryIso": "US",
        "postalCode": "10003"
      },
      "routingNumber": "021000022"
    },
    "fiat": {
      "number": "987654321",
      "routingNumber": "021000022",
      "additionalInformation": {
        "type": "TYPE_FIAT_US",
        "supportedRails": ["ACH", "FEDWIRE", "SWIFT"],
        "accountType": "SAVING"
      }
    }
  }
}

---

Request Fields

1. Main Account Fields

Field	Type	Required	Description	Example
currencyCode	string	No	Updated currency code (ISO 4217).	"USD"
status	string	No	Updated account status.	"ACCEPT"

2. Bank Object (Traditional Banking)

Field	Type	Required	Description	Example
bank.name	string	No	Updated bank name.	"Updated Bank Name"
bank.number	string	No	Updated account number.	"987654321"
bank.routingNumber	string	No	Updated routing number.	"021000022"

Bank Address Object

Field	Type	Required	Description	Example
bank.address.addressLine1	string	No	Updated primary address.	"789 Updated Bank Street"
bank.address.addressLine2	string	No	Updated suite/floor.	"Floor 20"
bank.address.city	string	No	Updated city.	"New York"
bank.address.stateIso	string	No	Updated state code.	"NY"
bank.address.countryIso	string	No	Updated country code.	"US"
bank.address.postalCode	string	No	Updated postal code.	"10003"

3. Crypto Object (Cryptocurrency)

Field	Type	Required	Description	Example
crypto.address	string	No	Updated crypto wallet address.	"0xupdatedAddress123..."

Crypto Additional Information

Field	Type	Required	Description	Allowed Values	Example
crypto.additionalInformation.walletType	string	No	Updated wallet type.	CPW_INSTITUTION, CPW_OTHER, CPW_UNKNOWN	"CPW_INSTITUTION"
crypto.additionalInformation.type	string	No	Updated account type.	TYPE_CRYPTO	"TYPE_CRYPTO"
crypto.additionalInformation.supportedRails	array	No	Updated payment methods.	CRYPTO, NFT	["CRYPTO"]

4. Fiat Object (Detailed Banking)

Field	Type	Required	Description	Example
fiat.number	string	No	Updated account number.	"987654321"
fiat.ifsc	string	No	Updated IFSC code (India).	"SBIN0000002"
fiat.swift	string	No	Updated SWIFT/BIC code.	"UPDATEDBIC"
fiat.sortCode	string	No	Updated sort code (UK).	"50-40-30"
fiat.name	string	No	Updated account name.	"Updated Account Name"
fiat.transitNumber	string	No	Updated transit number (Canada).	"54321"
fiat.routingNumber	string	No	Updated routing number (US).	"021000022"

Fiat Additional Information

Field	Type	Required	Description	Allowed Values	Example
fiat.additionalInformation.type	string	No	Updated regional account type.	TYPE_FIAT_US, TYPE_FIAT_GB, etc.	"TYPE_FIAT_US"
fiat.additionalInformation.supportedRails	array	No	Updated payment rails.	ACH, FEDWIRE, SWIFT, etc.	["ACH", "FEDWIRE", "SWIFT"]
fiat.additionalInformation.accountType	string	No	Updated account type.	CHECKING, SAVING	"SAVING"

Intermediary Bank Updates

Field	Type	Required	Description	Example
fiat.additionalInformation.intermediary.bank.name	string	No	Updated intermediary bank name.	"Updated Intermediary Bank"
fiat.additionalInformation.intermediary.bank.number	string	No	Updated intermediary account.	"999888777"
fiat.additionalInformation.intermediary.bank.routingNumber	string	No	Updated intermediary routing.	"021000099"

---

Response (200 OK)

Returns the updated account object with all current information including counterparty and customer details.

Example Response:

json

{
  "item": {
    "accountId": "acc_12345",
    "currencyCode": "USD",
    "status": "ACCEPT",
    "bank": {
      "name": "Updated Bank Name",
      "number": "987654321",
      "address": {
        "addressLine1": "789 Updated Bank Street",
        "city": "New York",
        "stateIso": "NY",
        "countryIso": "US",
        "postalCode": "10003"
      },
      "routingNumber": "021000022"
    },
    "name": "Updated Business Account",
    "number": "987654321",
    "type": "SAVING",
    "fiat": {
      "number": "987654321",
      "routingNumber": "021000022",
      "additionalInformation": {
        "type": "TYPE_FIAT_US",
        "supportedRails": ["ACH", "FEDWIRE", "SWIFT"],
        "accountType": "SAVING"
      }
    },
    "counterparty": {
      "id": "cp_12345",
      "name": "Tech Supplies Corp",
      "phone": "[phone]",
      "email": "[email protected]"
    },
    "customer": {
      "id": "cust_12345",
      "name": "John Doe",
      "phone": "[phone]",
      "email": "[email protected]",
      "status": "ACCEPT"
    },
    "createdAt": "2024-01-15T10:30:00Z",
    "updatedAt": "2024-05-21T16:45:00Z"
  }
}

---

Response Fields

Field	Type	Description	Example
item.accountId	string	Account ID (unchanged).	"acc_12345"
item.name	string	Updated account name.	"Updated Business Account"
item.number	string	Updated account number.	"987654321"
item.type	string	Updated account type.	"SAVING"
item.updatedAt	string	New update timestamp.	"2024-05-21T16:45:00Z"
item.counterparty	object	Counterparty details.	-
item.customer	object	Customer details.	-

---

Field Details

Account Status Values

Status	Description
NEW	Account newly created, pending verification
AWAIT	Awaiting additional information/documentation
MODERATION	Under review by compliance team
ACCEPT	Approved and active for transactions
REJECT	Rejected during verification
BANNED	Permanently blocked from transactions
VERIFICATION	In verification process

Account Type Values

Type	Description
CHECKING	Checking/current account for daily transactions
SAVING	Savings account for storing funds

Supported Payment Rails

Rail	Description	Region
ACH	Automated Clearing House	US
FEDWIRE	Federal Wire Transfer	US
SWIFT	International wire transfers	Global
SEPA_CT	SEPA Credit Transfer	EU
FPS	Faster Payments	UK
IMPS	Immediate Payment Service	India

---

Examples

Request

bash

curl -X PATCH 'https://stagep.tst-apidmndelss.com/v2/counterparty/cp_12345/account/acc_12345' \
  -H 'Authorization: 123' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "item": {
      "status": "ACCEPT",
      "fiat": {
        "additionalInformation": {
          "accountType": "SAVING"
        }
      }
    }
  }'

Minimal Update Example

Request (update only account type):

json

{
  "item": {
    "fiat": {
      "additionalInformation": {
        "accountType": "SAVING"
      }
    }
  }
}

Response:

json

{
  "item": {
    "accountId": "acc_67890",
    "currencyCode": "GBP",
    "status": "ACCEPT",
    "name": "Sterling Business Account",
    "number": "98765432",
    "type": "SAVING",
    "fiat": {
      "number": "98765432",
      "sortCode": "40-30-20",
      "additionalInformation": {
        "type": "TYPE_FIAT_GB",
        "supportedRails": ["FPS", "SWIFT"],
        "accountType": "SAVING"
      }
    },
    "counterparty": {
      "id": "cp_67890",
      "name": "London Consulting Ltd",
      "phone": "[phone]",
      "email": "[email protected]"
    },
    "customer": {
      "id": "cust_22222",
      "name": "Sarah Wilson",
      "phone": "[phone]",
      "email": "[email protected]",
      "status": "ACCEPT"
    },
    "createdAt": "2024-03-10T14:20:00Z",
    "updatedAt": "2024-05-21T17:30:00Z"
  }
}

Bank Details Update Example

Request (update bank information):

json

{
  "item": {
    "bank": {
      "name": "New Bank Corporation",
      "number": "555666777",
      "routingNumber": "021000033",
      "address": {
        "addressLine1": "123 New Bank Plaza",
        "city": "Chicago",
        "stateIso": "IL",
        "countryIso": "US",
        "postalCode": "60601"
      }
    },
    "fiat": {
      "number": "555666777",
      "routingNumber": "021000033"
    }
  }
}

Crypto Account Update Example

Request (update crypto wallet):

json

{
  "item": {
    "crypto": {
      "address": "0xupdatedCryptoAddress456",
      "additionalInformation": {
        "walletType": "CPW_OTHER",
        "supportedRails": ["CRYPTO", "NFT"]
      }
    }
  }
}

Status Update Example

Request (update account status):

json

{
  "item": {
    "status": "MODERATION"
  }
}

Response:

json

{
  "item": {
    "accountId": "acc_99999",
    "currencyCode": "BTC",
    "status": "MODERATION",
    "name": "Bitcoin Institutional Wallet",
    "number": "0x742d35Cc6634C0532925a3b8D6B3985f8e091be1",
    "type": "CRYPTO_WALLET",
    "crypto": {
      "address": "0x742d35Cc6634C0532925a3b8D6B3985f8e091be1",
      "additionalInformation": {
        "walletType": "CPW_INSTITUTION",
        "type": "TYPE_CRYPTO",
        "supportedRails": ["CRYPTO"]
      }
    },
    "counterparty": {
      "id": "cp_99999",
      "name": "Crypto Ventures LLC",
      "phone": "[phone]",
      "email": "[email protected]"
    },
    "customer": {
      "id": "cust_44444",
      "name": "Michael Chen",
      "phone": "[phone]",
      "email": "[email protected]",
      "status": "ACCEPT"
    },
    "createdAt": "2024-02-28T11:15:00Z",
    "updatedAt": "2024-05-21T18:15:00Z"
  }
}

---

Error Responses

1. Counterparty Not Found:

   json

   { "error": "Counterparty not found: cp_99999" }

2. Account Not Found:

   json

   { "error": "Account not found: acc_99999" }

3. Invalid Status:

   json

   { "error": "Invalid status value: INVALID_STATUS" }

4. Unauthorized:

   json

   { "error": "Unauthorized" }

---

Notes

• Partial Updates: Only include fields that need to be changed
• Status Impact: Changing account details may trigger re-verification
• Verification: Status updates to ACCEPT may require compliance approval
• Audit Trail: updatedAt timestamp reflects when changes were applied
• Field Validation: All updated fields undergo the same validation as creation

Common Update Scenarios:

• Correcting bank account information
• Adding additional payment rails
• Changing account status for compliance
• Updating crypto wallet addresses
• Modifying account types