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An Account is the object on Otim that holds, routes, and earns yield on funds. Every Account belongs to a Platform and has a wallet address on a specific blockchain network. Accounts are the core primitive you interact with when moving money through Otim. Accounts serve three main purposes:
  1. Holding funds. Each Account maintains real-time balances (available, pending, locked, and holding) so you always know exactly where your money is.
  2. Routing funds. Accounts are the source and destination for transfers, orchestrations, and automated instructions. When you set up an Otim Instruction to transfer ETH every week, that instruction runs against an Account. When an Orchestrator settles a cross-chain payment, the funds land in an Account.
  3. Earning yield. Accounts can be configured to automatically earn yield on idle funds, so capital that would otherwise sit dormant is put to work.

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Linking to an Entity

Accounts can optionally be linked to an Entity. This is not required for basic functionality. An Account without an Entity can still hold funds, execute instructions, and participate in orchestrations. However, linking an Entity unlocks additional capabilities like fiat deposit rails (via IBANs) and external transfers (via Counterparties). A single Entity can own multiple Accounts. This is useful when you want to separate funds by purpose (e.g., a treasury Account and an operations Account) while keeping them under the same verified identity.