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

# Accounts & balances

> Who needs a Broco account, when funds become available, and which reference identifies each operation.

## Who needs a Broco account

A Broco account holds your funds. Anyone who sends money from a balance or receives money into one needs an account. People who only hand over cash do not.

| Participant | Use case | Broco account |
| - | - | - |
| Merchant | Broco Pay, Cash checkout | Required, to receive funds |
| Customer paying from a balance | Broco Pay | Required |
| Customer paying in cash | Cash checkout | Not required |
| Business paying a supplier | Supplier payments | Required, to send funds |
| Supplier | Supplier payments | Required, to receive funds |
| Wholesaler | Marketplace cash reconciliation | Required, to receive funds |
| Recipient paying on delivery | Marketplace cash reconciliation | Not required |
| Carrier | Marketplace cash reconciliation | Uses Broco Transporteur |
| Cash agent | Cash checkout, Marketplace cash reconciliation | Operates a Broco cash point |
| Your platform | All | Integration credentials issued by Broco |

## Balances

Money paid between Broco accounts moves from one balance to another inside the network. Cash becomes balance only when a cash agent validates it.

| Situation | Effect on the receiving balance |
| - | - |
| Broco Pay payment succeeds | Credited immediately |
| Supplier payment succeeds | Credited immediately |
| Cash checkout payment validated at the cash point | Credited when the agent validates the cash received |
| Marketplace cash collected by the carrier | Unchanged: the carrier holds the cash |
| Marketplace cash deposit validated and reconciled | Credited at settlement |

Once credited, a balance can be used for the services available in Broco, such as paying, transferring or withdrawing.

## One currency per operation

Each operation uses a single currency. When money moves between two Broco balances, Broco debits one and credits the other in that currency. When the payer hands over cash, only the receiving balance is credited. Broco does not convert between currencies in these flows. See [Currencies & amounts](/developer/currencies-and-amounts) for the supported codes and how to write amounts.

## References

Every object carries your own reference so you can reconcile without storing Broco identifiers alone.

| Object | Your reference field | Example |
| - | - | - |
| `payment` | `order_reference` | `ORD-10482` |
| `cash_payment` | `order_reference` | `ORD-20731` |
| `supplier_payment` | `invoice_reference` | `INV-2026-0147` |
| `collection` | `order_reference` | `ORD-58213` |

## Next step

<Card title="Integration access" href="/get-started/integration-access" horizontal>
  Current availability of the Broco API.
</Card>


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