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Account Funding: Customer sub-accounts

April 16th, 2025

Release Details

Release Date: April 16th, 2025

Release Type

Informational – optional action from platforms

Summary

The Account Funding product now supports sub-accounting. It's common for platforms to offer their customers the ability to create multiple accounts. For instance, a brokerage may allow customers to open separate trading accounts for tax optimization, risk management, differentiated trading strategies, or to simply organize investments by distinct goals.

As a result, it's essential that Zero Hash provides the flexibility to segregate transactions based on the specific account in use - enter Customer sub-accounts.

There is a new optional query param called the account_label which has been added to the following Account Funding SDK's

Read the end-to-end integration guide to see this new feature in action. At a high-level, here are the impacts:

Funding

  • The Platform will acquire an access token the same way they do today, just additionally specifying an account_label on the call
  • Zero Hash will save this and attach it to an address once the user selects the Asset and Network
  • Once the Customer deposits, Zero Hash will:
    • Recognize the deposit, where the account will have the specified account_label
    • Auto-convert the asset to USD
    • Auto-transfer the USD to the Platform (if configured for this)
    • Send a Fund webhook with the specified account_label in the payload
  • The Platform will also be able to retroactively query GET /fund/transactions and see the proper account_label associated with the transaction

Withdrawal

  • The Platform will acquire an access token for the Account Link SDK identically to how they do today. No change here
  • The Platform will acquire an access token for the Withdraw SDK the same way they do today, just additionally specifying an account_label on the call
  • The Customer will initiate a withdrawal on the SDK, triggering the following
    • Auto-convert from the Float account to the asset (no change)
    • Auto-disburse the asset to the destination address, debiting the Customer's account with the specified account_label
    • Send a Payments webhook with the specified account_label in the payload

Products Impacted

Account Funding - this impacts both the SDK and API

Relevant Documentation