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

# Overview

> Create connected accounts for businesses and individuals, and enable them with wallets, virtual bank accounts, FX conversion, and payouts.

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.