Midaz in a global portfolio

Manage multi-currency Accounts under a single client Portfolio — BRL, USD, EUR, and more in a unified Ledger view.

With Midaz, you can configure a global account structure similar to those offered by major banks. In this structure, clients hold accounts in multiple currencies (e.g., BRL, USD, EUR). This setup allows organizations to manage multiple currency accounts under a single client profile.

What changes with Midaz

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Without Midaz	With Midaz
Multi-currency accounts require separate systems or complex workarounds	Each currency is an ; accounts in different currencies grouped under one
No unified customer view across currencies	A single portfolio shows all of a client’s accounts — BRL, USD, EUR — in one place
Currency-specific reporting built manually per system	Query all accounts under a portfolio via API for consolidated financial views
Adding a new currency means provisioning new infrastructure	Create a new Asset and an account — the ledger handles the rest

Using Midaz

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• Organization & Ledger: ABC Bank registers as an Organization in Midaz and establishes a Ledger to track all customer transactions.
• Assets: The bank defines assets for every currency, ensuring multi-currency support for all accounts.
• Customer Portfolios: Each customer has a portfolio under which their accounts (checking, savings, and credit) are managed efficiently.
• Customer Accounts: Create an Account for each currency (Asset) in which the customer will operate and group them under the Portfolio created for the Customer.

Example: Maria’s international business needs

Maria is an entrepreneur in Spain who runs an e-commerce business selling handmade crafts worldwide. Her customers are in the U.S., Europe, and Japan, so she needs to manage multiple currencies efficiently.

To streamline her finances, she opened an account with ABC Bank, which uses Midaz for transaction management.