# Update counterparty account

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

**Endpoint**

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

**Link**

{% embed url="<https://stagep.tst-apidmndelss.com/openapi/v2.html#/operations/Counterparties_UpdateAccount>" %}

### **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": "+19876543210",
      "email": "contact@techsupplies.com"
    },
    "customer": {
      "id": "cust_12345",
      "name": "John Doe",
      "phone": "+1234567890",
      "email": "john@example.com",
      "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": "+442076543210",
      "email": "accounts@londonconsulting.com"
    },
    "customer": {
      "id": "cust_22222",
      "name": "Sarah Wilson",
      "phone": "+447123456789",
      "email": "sarah@example.com",
      "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": "+17864567890",
      "email": "info@cryptoventures.com"
    },
    "customer": {
      "id": "cust_44444",
      "name": "Michael Chen",
      "phone": "+16504561234",
      "email": "michael@example.com",
      "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


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