# Create an Account

Accounts must be pre-registered to transact on the Tesser platform. Registering accounts in advance of transacting enables wallet risk assessment and helps meet regulatory requirements.

**Account creation**

To create an account, submit a request to create a bank, wallet, or ledger account and populate the appropriate fields. Accounts will always belong to the workspace they are created in and can also optionally belong to a tenant or counterparty. See the [Accounts overview](/overviews/accounts) for more details.

<Tabs>
  <TabItem label="Bank">

Bank account creation request

```json
{
  "counterparty_id": "2a7e1c9f-4b3d-4a82-b6e0-8f5c2d1a9b3e",
  "name": "Operating Account - EU",
  "bank_name": "Chase Bank",
  "bank_code_type": "SWIFT",
  "bank_identifier_code": "CHASUS33",
  "bank_account_number": "123456789"
}
```

The response will provide a unique identifier for the account that can be used when requesting payments or transfers:

```json
{
  "data": {
    "id": "8f3b1e7c-9a2d-4f58-b6c0-4e7d2a9f1b3c",
    "workspace_id": "b53f6690-3242-4942-9907-885779632832",
    "tenant_id": null,
    "counterparty_id": "2a7e1c9f-4b3d-4a82-b6e0-8f5c2d1a9b3e",
    "type": "fiat_bank",
    "name": "Operating Account - EU",
    "bank_name": "Chase Bank",
    "bank_code_type": "SWIFT",
    "bank_identifier_code": "CHASUS33",
    "crypto_wallet_address": null,
    "created_at": "2024-03-02T14:30:00.000Z",
    "updated_at": "2024-03-02T14:30:00.000Z"
  }
}
```

  </TabItem>
  <TabItem label="Wallet">

Wallet account creation request

```json
{
  "workspace_id": "b53f6690-3242-4942-9907-885779632832",
  "name": "Treasury Wallet (Omnibus)",
  "type": "stablecoin_ethereum",
  "signature": "eyJwdWJsaWNLZXkiOiJwdWJfZXhhbXBsZSIsInNpZ25hdHVyZSI6InNpZ19leGFtcGxlIiwic2NoZW1lIjoiRUQyNTUxOSJ9"
}
```

The response will provide a unique identifier for the account that can be used when requesting payments or transfers:

```json
{
  "data": {
    "id": "7a3d8f2e-6b4c-4a91-b8e5-2f9c1d7e3a0b",
    "workspace_id": "b53f6690-3242-4942-9907-885779632832",
    "tenant_id": null,
    "counterparty_id": null,
    "type": "stablecoin_ethereum",
    "name": "Treasury Wallet (Omnibus)",
    "bank_name": null,
    "bank_code_type": null,
    "bank_identifier_code": null,
    "crypto_wallet_address": "0x742d35Cc6634C0532925a3b844Bc9e7595f8fE0B",
    "created_at": "2024-03-01T10:00:00.000Z",
    "updated_at": "2024-03-01T10:00:00.000Z"
  }
}
```

  </TabItem>
  <TabItem label="Ledger">

Ledger account creation request

```json
{
  "workspace_id": "b53f6690-3242-4942-9907-885779632832",
  "name": "Treasury Ledger",
  "provider": "CIRCLE_MINT"
}
```

The response will provide a unique identifier for the account that can be used when requesting payments or transfers:

```json
{
  "data": {
    "id": "5d2e8f1a-7c3b-4a69-9e0f-1b4c6d8a2e5f",
    "workspace_id": "b53f6690-3242-4942-9907-885779632832",
    "tenant_id": null,
    "counterparty_id": null,
    "name": "Treasury Ledger",
    "type": "ledger",
    "provider": "CIRCLE_MINT"
  }
}
```

  </TabItem>
</Tabs>

**Associating wallets and ledgers with a tenant or counterparty**

A wallet or ledger can optionally belong to either a counterparty or tenant in addition to the workspace.

- Do not specify a tenant or counterparty if you want the wallet or ledger to be used in a fully omnibus manner, where funds are commingled across all of your customers. Upon onboarding, your organization will be provisioned with a wallet or ledger that only belongs to your workspace. You may create additional wallets or ledgers that only belong to the workspace as needed.
- Create a wallet or ledger that belongs to a tenant to manage proprietary funds belonging to that tenant, or to commingle funds belonging to that tenant's customers (e.g. originators and/or beneficiaries).
- Create a wallet or ledger that belongs to a counterparty to fully segregate funds only for that counterparty.

For more information on the relationship between accounts and counterparties, see the [Accounts overview](/overviews/accounts).