Account Capabilities

Not every account owner can open an account in every currency, and not every account supports the same payment operations. Both depend on the account owner type (individual or business) and on whether the account owner is national or foreign with respect to the account's country.

An account owner is national when its tax_id_country is the country of the account's currency, and foreign otherwise. For example, an individual with tax_id_country BR is national for a BRL account and foreign for an MXN account.

This page lists which account owners can open an account in each currency, and the capabilities each account gets by default.

Eligibility by currency

Currency	Country	National individual	Foreign individual	National business	Foreign business
ARS	Argentina	✅	✅ ¹	✅	✅ *
BRL	Brazil	✅	✅	✅	✅
MXN	Mexico	✅	✅	✅	✅
COP	Colombia	✅	✅	✅	✅
PEN	Peru	✅	✅ *	✅ *	✅ *
GBP	United Kingdom	✅	✅	✅	✅
EUR	Eurozone	✅	✅	✅	✅
BOB	Bolivia	✅	✅	✅	✅
CLP	Chile	✅	✅	✅	✅
PYG	Paraguay	✅	✅	✅	✅
UYU	Uruguay	✅	✅	✅	✅
USD	United States	✅	✅	✅	✅

✅ Supported.
✅ * Upon request.
¹ The account is opened without funding instructions and can only be used for payouts.

For the account owner data and documents each currency requires, see KYC Requirements by Country.

Capabilities

Each account has five capabilities. Together they define which payins and payouts the account can make.

Capability	Description
Same-name payin	An incoming transfer from a sender whose name matches the account owner.
Third-party payin	An incoming transfer from a sender whose name is different from the account owner.
Same-name payout	An outgoing transfer to a destination held in the account owner's name.
Third-party payout	An outgoing transfer to a destination held in a name different from the account owner.
QR payout	An outgoing payment made with a QR code.

Default capabilities by account owner type

Every account gets a default capability set at creation, based on its account owner.

Account owner	Same-name payin	Third-party payin	Same-name payout	Third-party payout	QR payout
National individual	✅	*	✅	✅	✅
National business	✅	✅	✅	✅	✅
Foreign individual	N/A	*	N/A	✅	✅
Foreign business	N/A	✅	N/A	✅	✅

✅ Supported.
* Upon approval.
N/A Doesn't apply: foreign account owners can't hold same-name operations.

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Capabilities follow the regulatory framework of each country. They're set when the account is created and can't be changed afterward.