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

# Provider-driven currencies

> Understand how live accounts, beneficiaries, estimates, and mandate limits choose currencies.

# Use provider-driven currencies

The neobank does not promise a fixed currency set. Live fiat accounts and recipient schemas determine which three-letter fiat codes the customer can use.

## Filter account currencies

`GET /v1/accounts` includes a row only when Perflo returns a non-empty International Bank Account Number or account number and a normalized three-letter fiat code. Crypto assets, token balances, chains, and empty crypto account rows are omitted.

## Derive transfer currencies

The customer supplies a local source amount and three-letter fiat currency. The destination currency comes from the selected beneficiary and cannot be overridden.

For non-United States dollar input, the live adapter reads `/prices/fiat/{currency}` as local units per United States dollar. It converts with `Decimal`, rounds the United States dollar debit to six places with half-up rounding, and rejects missing, zero, negative, infinite, or malformed rates.

The estimate shows the requested source, exact United States dollar Perflo cash debit, estimated destination, estimated United States dollar fee, local-units rate, payout rate, observation time, and confirmation deadline. It is not locked or executable.

## Keep mandate limits in United States dollars

All mandate caps and rolling limits use Perflo cash United States dollars. The beneficiary still determines destination currency and transfer purpose. This avoids extending local authority when foreign-exchange rates change.