Account Types

1. Master Merchant Account

This is the top-level account representing the service provider or platform operator. It is created during onboarding and manages all downstream activities.

It is required for all modes and programs (Gateway & MOR, B2B & B2C).
The master merchant has their own CryptoConnect Wallet and Infinity Account.
To begin, the master merchant must register, open an account, and pass KYC and KYB verification at https://www.interlace.money/sign-up.

2. Sub-Merchant Account

Available in the Gateway model only, sub-merchants are downstream clients onboarded by the master merchant.
Sub-merchants can be either individual customers or businesses. Each sub-merchant has:

CryptoConnect Wallet: For receiving on-chain deposits (crypto settlement).
Infinity Account: For receiving funds transferred from various sources including the CryptoConnect Wallet (fiat settlement).

Note

Currently, only individual customers can complete the onboarding process online at https://www.interlace.money/sign-up.

To onboard businesses as sub-merchants, please contact your Relationship Manager for offline submission and processing.

3. End-Customer Account / User Account

End-Customer Accounts / User Accounts are applied to B2C-Gateway modes. These accounts represent individual users or cardholders. Each cardholder must have a unique account where identity verification, wallet creation, and card binding occur.

These accounts are created via API (Create Account, Submit KYC, Account Initialization).

Account Linking Logic

One Master Merchant can have multiple Sub-Merchants.
One Sub-Merchant can issue cards to multiple End-Customers.
Each cardholder must be linked to an Account ID and Wallet.
All financial operations (fund loading, card issuance) must reference the correct account ID in the request body.