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

# Overview

> Open and manage Paywint–issued digital bank accounts for your users.

Paywint Bank Accounts provide users with a verified digital bank account issued directly by Paywint.\
These accounts function like standard bank accounts but operate entirely digitally.\
Once opened, users can use their Paywint bank account to make payments, receive transfers, and handle various financial operations both within and outside Paywint.

***

## Account Types

#### PAYWINT\_SAVINGS

For individual users.\
Requires the user to have **KYC verified**.

#### PAYWINT\_BUSINESS

For business or entity users.\
Requires the user to have **both KYC and KYB verified**.

Each account requires a unique nickname, and users may open multiple Paywint accounts within allowed limits.

***

## How It Works

<Steps>
  <Step title="1. Check user eligibility">
    Ensure the user has completed the required verification:

    * PAYWINT\_SAVINGS: KYC approval
    * PAYWINT\_BUSINESS: KYC and KYB approval
  </Step>

  <Step title="2. Open a Paywint bank account">
    Call <code>[Open Paywint Bank Account](/api-reference/paywint-bank-accounts/open)</code>
    with the account type and a unique nickname.\
    The account is created instantly if the user is eligible.
  </Step>

  <Step title="3. Use the new bank account">
    Once created, the user receives access to a fully functional digital bank account that can be used to:

    * Make payments within Paywint
    * Receive incoming transfers
    * Perform internal and external fund movements
    * Use the account like a normal bank account for supported external purposes
  </Step>

  <Step title="4. View account transactions">
    Use <code>[List Paywint Bank Account Transactions](/api-reference/paywint-bank-accounts/list-transactions)</code>
    to retrieve transaction history for the Paywint bank account.
  </Step>
</Steps>

***

## Transaction Sync Behavior

* When transaction history is requested for the first time, Paywint initiates a one-time background sync to fetch the latest bank transactions.
* This process may take up to one minute.
* Newly synced transactions will appear in subsequent requests.

***

## Available APIs

<CardGroup cols={2}>
  <Card title="Open Paywint Bank Account" href="/api-reference/paywint-bank-accounts/open" arrow="true" icon="external-link">
    Create a new Paywint digital bank account.
  </Card>

  <Card title="List Transactions" href="/api-reference/paywint-bank-accounts/list-transactions" arrow="true" icon="list">
    Retrieve all transactions associated with a Paywint bank account.
  </Card>
</CardGroup>