Brazilian Transactional Accounts

This solution is designed for Brazilian regulated gambling merchants.

To comply with local regulations regarding the segregation of funds, OneKey Payments provides a solution that automatically separates user funds (liabilities) from proprietary capital (assets).

This document explains how money flows between these accounts and when you need to use the API to manage them.

Before you start

To use the endpoints described in this guide, you must contact your account manager with your company name and CNPJ. We need to configure your specific wallet environment for regulatory compliance before you can move funds.

Understanding your account structure

When you integrate with us, we assign two distinct accounts (or "wallets") to your merchant ID. Keeping these separate is essential for your accounting and regulatory reporting.

	Transactional Account	Propietary Account
What goes in	All user deposits land here automatically.	Funds the merchant transfer from the transactional account and top ups from external bank accounts.
What comes out	User cashouts (payouts) are paid from here first.	Fees, settlements to your external bank account, and backup funding for cashouts.
Details	These funds belong to the players (liabilities). Merchants cannot settle these funds to your external bank until they are formally recognized as revenue.	These are the merchant's finalized assets.

When to use the API

Since deposits and payouts happen automatically, you only need to use the API for internal liquidity management.

The POST /wallet/transaction endpoint allows you to move funds between your two internal accounts.

Moving surplus profits

The transactional account is the primary source for funding player cashouts. However, as deposits accumulate, this balance will grow beyond what is needed for daily liquidity. Use this flow to transfer your excess profits to the proprietary account when you are ready to settle them to your bank, while leaving enough balance behind to cover ongoing withdrawals.

• Source: TRANSACTIONAL

• Destination: PROPRIETARY

Example request

{
  "source": "TRANSACTIONAL",
  "destination": "PROPRIETARY",
  "currency": "BRL",
  "amount": 100.00
}

Example response

Top-ups

If your transactional account is running low and you expect a high volume of cashouts, you can move operating capital into the transactional bucket to maintain liquidity for your users.

• Source: PROPRIETARY

• Destination: TRANSACTIONAL

Example request

{
  "source": "PROPRIETARY",
  "destination": "TRANSACTIONAL",
  "currency": "BRL",
  "amount": 100.00
}

Example response

For more information please visit the API Reference Move funds

---

Retrieving balances

Merchants should use the GET /wallet/balance endpoint to monitor changes in the balances. This single call returns the current standing of both your accounts. We recommend checking this periodically to decide if you need to perform movements within the accounts.

Example response

{
    "balances": [
        {
            "amount": 200.00,
            "currency": "BRL",
            "type": "PROPRIETARY"
        },
        {
            "amount": 222.00,
            "currency": "BRL",
            "type": "TRANSACTIONAL"
        }
    ]
}

For more information please visit the API Reference Get balances