> 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/core-banking-components/account-creation-and-management.md). # Accounts The **Accounts Framework** provides a foundational layer for managing financial accounts across a variety of products and use cases. It supports everything from individual deposit accounts to complex, hierarchical account structures, all within a secure, configurable, and scalable architecture. **Key Highlights:** * Support for multiple account types, including grouped and standalone accounts * Full account lifecycle handling (active, dormant, closed, etc.) * Built-in controls for balances, limits, and interest-bearing configurations * Automated calculation of interest and fees for both deposits and loans * Role-based access control (RBAC) for secure data handling Designed for easy integration, the framework allows institutions to define and customize account rules, hierarchies, and behavior. It also includes tooling to manage interest logic, fee triggers, and account monitoring with minimal operational overhead. By implementing the Accounts Framework, banks and financial service providers can ensure consistency, transparency, and compliance in how customer accounts are created, maintained, and reported. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.xyb.co/core-banking-components/account-creation-and-management.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.