# Subaccounts Overview

### When do you need to register sub-accounts?

Beta is required by law to collect and verify the personal information of all users who will receive fiat or crypto assets from us.

Therefore, If your application plans to offer [`Exchange Crypto to Fiat`](https://docs.betaramps.com/documentation-beta-ramps/exchange-crypto-to-fiat) or [`Pay Anything from Crypto Wallet`](https://docs.betaramps.com/documentation-beta-ramps/pay-anything-from-crypto-wallet), you will need to use the endpoints listed in this section.

{% hint style="info" %}
The Request Payments product does not need these endpoints to be integrated.
{% endhint %}

### What's the purpose of each endpoint?

* [**Subaccounts**](https://docs.betaramps.com/documentation-beta-ramps/registering-subaccounts/registering-subaccounts)**:** Registers and Updates the user's personal information (or business information). Each user will be given a `subaccount_id` that will be their unique identifier inside Beta.<br>
* [**Wallet Address:**](https://docs.betaramps.com/documentation-beta-ramps/registering-subaccounts/wallet-addresses) Registers `external` wallet addresses for withdrawals and `shared` wallet addresses for deposits.<br>
* [**Bank Account:**](https://docs.betaramps.com/documentation-beta-ramps/registering-subaccounts/bank-account-information) Registers bank accounts to be used by subaccounts on withdrawals.