> ## Documentation Index
> Fetch the complete documentation index at: https://docs.augustus.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://api.augustus.com/openapi/2026-05-01.json) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate surface covering the Pay by Bank products — Instant Bank Transfer (Open Banking) checkout and refunds, and Manual Bank Transfer (MBT); use it when one of those products is required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# The account object

> A balance in the Augustus ledger, owned by one account holder inside one account program.

Operating, FBO and correspondent accounts are all accounts, and so are [wallets](https://docs.augustus.com/docs/accounts/wallets.md). Every account has its own balance, its own ID and the financial addresses that reach it. On operating and correspondent accounts the holder is your own business; on an FBO account it is your customer.

The program an account sits in decides what kind of account it is. See [How the products are built](https://docs.augustus.com/docs/accounts/overview.md#how-the-products-are-built).


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