Skip to main content
The Issuing API is a powerful tool for managing funds and payments for individuals and organizations. However, understanding its resource structure is essential to using the API effectively. This document provides an overview of the resource structure for the Issuing API, including root accounts, sub-accounts (called “accounts”), and card accounts. It also explains the types of transactions that can occur within each account and provides information on digital deposit addresses and repayment transactions. By understanding this resource structure, users can effectively manage their funds and payments through the Issuing API. 
                            +------------------------+
                            |   UTGL Account   |
                            +------------------------+
                                        |
        +--------------------------------------------------+
        |                                                  |
+----------------+                                +--------------------+
|     Accounts   |                                |     Card Accounts   |
+----------------+                                +--------------------+
|                |                                            |
|  +-------------+-------+                        +-------------+-------+
|  |   Transactions      |                        |    Transactions      |
|  |    Payments         |                        |    Repayments        |
|  |    Transfers        |                        |    Cards             |
|  |    Deposit Accounts |                        |    Balance           |
|  |    Deposit Addresses|                        |    Credit Limit      |
|  +----------------------+                       +----------------------+
|                                                             |
|                                                             |
|  +-------------+-------+                      +-------------+-------+
|  |                    |                       |                      |
|  |   Account 1        |                        |      Card Account 1  |
|  |   Account 2        |                        |      Card Account 2  |
|  |   Account 3        |                        |      Card Account 3  |
|  |       ...          |                        |          ...         |
|  |   Account N        |                        |      Card Account N  |
|  +--------------------+                        +----------------------+
|
+-----------------------------------------------------------------------+

​
UTGL Account

The UTGL account is the highest-level account for an individual user or organization. It contains accounts and card accounts.

​
Accounts

Accounts are sub-accounts that are owned by the UTGL account. They can be used to organize and track funds for different users on the integrator’s platform.

​
Account Transactions

Account transactions are transactions that occur within a an account. They can include deposits, withdrawals, transfers, and payments

​
Payments

Payments are transactions that involve transferring money to another account or recipient.

​
Transfers

Transfers are transactions that move money from one account to another.

​
Deposit Accounts & Addresses

Deposit accounts are unique bank or digital accounts and/or addresses for depositing funds into a UTGL account.

​
Card Accounts

Card accounts are accounts that are associated with one or more physical or virtual payment cards. Each card account has its own set of transactions and spending restrictions, but multiple payment cards can be associated with a single card account.

​
Card Account Transactions

Card account transactions are transactions that occur within a card account. They can include purchases, refunds, and cash withdrawals.