Overview - PIK Documentation

PIK Global Accounts lets your platform provision full financial accounts for your customers. Each connected account gets its own wallet, its own receiving details, and access to the same financial capabilities as your platform — scoped to that customer and controlled by you.

What you can do with Global Accounts

Capability	What it means
Connected accounts	Create and manage sub-accounts for each customer under your platform
KYC / KYB	Onboard individuals and businesses with tiered identity verification
Multi-currency wallets	Hold AUD, USDT, USDC, USD, EUR, GBP, HKD, SGD simultaneously
Virtual Account Numbers	Issue each customer a real Australian BSB + account number for inbound AUD
Crypto wallet addresses	Assign each customer a dedicated USDT / USDC receiving address
FX Conversion	Convert between currencies including stablecoin on-ramp and off-ramp
Payouts	Send funds to external bank accounts or crypto wallets in 8+ currencies
Card Issuing	Issue virtual and physical debit cards linked to wallet balances

How it works

Global Accounts operate on a three-tier model: PIK provides the regulated infrastructure, your platform creates and manages accounts, and connected accounts are the financial accounts your customers hold. Your platform calls PIK APIs on behalf of connected accounts using the x-on-behalf-of header. Your customers interact with financial services through your product — they have no direct relationship with PIK.

​What you can do with Global Accounts

​How it works

What you can do with Global Accounts

How it works