> For the complete documentation index, see [llms.txt](https://docs.xyb.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyb.co/accounts/integration-with-banking-components.md).

# 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.                |

***

#### 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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