Integration with Banking Components

Accounts don’t work in isolation, rather it integrates with other banking components to function as a complete financial layer. We categorize these integrations into:

1. Internal Integrations

These are native XYB services that work in tandem with the Accounts Services

Internal Component	Role in Integration
Ledger Service	Provisions wallets, manages wallet states, and broadcasts balance events via Kafka.
Wallet Service	Creates and manages default and additional wallets per account.
Entity Service	Every account is tied to an entity (individual or business).
Product Config	Drives account behavior (ledger strategy, default currencies, wallet types).
Four-Eye Service	Enforces approval flows on sensitive account state changes.
Notification Services	Publishes events like balance updates or account creation via Kafka.

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2. Third-Party Integrations

These integrations extend functionality such as issuing banking coordinates or linking external payment rails.

Third-Party Integration	Role
Currency Cloud	Issues IBANs and banking details for accounts.
Card Processors	(If integrated) Link wallets to virtual/physical card issuance.
Payment Gateways	Use account coordinates for payouts, settlements, and more.
KYC/AML Providers	(Via Entity/Onboarding module) Used to verify the entity linked to account.

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