> For the complete documentation index, see [llms.txt](https://apidocs.onekeypayments.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://apidocs.onekeypayments.com/api-documentation/deposits-api/endpoints/transactional-account-endpoint/understanding-the-solution.md).

# Understanding the Solution

## Proprietary Account and Transactional Account

With the transaction account Solution, you're going to have 2 accounts tied to your merchant account.\ <br>

<figure><img src="/files/nbSOQe55cBa2od7VN3tu" alt=""><figcaption></figcaption></figure>

**Proprietary account**\
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The first is the proprietary (or owner) account, which is the account where you can utilize all the funds as you desire to do so.\
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This account should include all the funds that no longer belong to the final clients, and cannot be altered.\
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These funds will be used to pay fees and create settlements to your own bank account.\
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**Transactional account**\
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You will also have a transactional account.\
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All funds from completed deposits would go here and should remain in this account until the funds can no longer be altered by the players.\
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These funds cannot be used for anything until they are moved to your proprietary account.\
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**Basic Deposit Flow**

<figure><img src="/files/3bM3k8gpwwQYICRslByM" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}

* First, the user creates a deposit, and we get notified by you, the merchant.&#x20;
* After this, we send the payment information to the user.
* Once the user completes the deposit, the funds get added to your transactional balance account
  {% endhint %}

#### Basic Cashout Flow

<figure><img src="/files/gEacGrVb8NXBFnvcxtfl" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}

* First, the user wants to create a cashout, once we receive all the information from you, we go to the next step.
* If your transactional account has enough balance in order to process the cashout, we'll remove the balance from there
* Otherwise, we'll utilize the funds directly from your proprietary's account.
* After this, the cashout is processed, and the funds are sent to the customer's bank account.
  {% endhint %}

If you want to learn more about the endpoints used in this solution, you can check them out here:

{% content-ref url="/pages/uvPyxXZ7OELAWQJURIvt" %}
[Transactional Account Endpoint](/api-documentation/deposits-api/endpoints/transactional-account-endpoint.md)
{% endcontent-ref %}