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

# Instruments

> Associate Holders with Ledger Accounts and store banking, regulatory, metadata, and related-party information.

An **Instrument** is the CRM record that associates a [Holder](/en/products/midaz/crm/holders) with a Ledger Account in Midaz. It stores the `ledgerId` and `accountId` for that association, together with banking details, regulatory fields, metadata, and related parties.

Instruments keep CRM context separate from the transactional Ledger. The Ledger remains the balance and movement record. The Instrument holds the context associated with a Holder and its Ledger Account.

## Create an Instrument

Create an Instrument in the scope of a Holder. The creation input requires:

* `ledgerId` and `accountId` for the associated Ledger Account.
* `metadata`.
* `bankingDetails`.

The `bankingDetails` object can contain `branch`, `account`, `type`, `openingDate`, `closingDate`, `iban`, `countryCode`, and `bankId`. Its individual fields are optional.

An Instrument response includes its `id`, `holderId`, `ledgerId`, `accountId`, `document`, `type`, timestamps, and any configured banking, regulatory, metadata, or related-party data.

## Regulatory fields and related parties

Use `regulatoryFields.participantDocument` to store the participant document when it applies.

An Instrument can include related parties. Each related party requires `document`, `name`, `role`, and `startDate`. The `id` and `endDate` fields are optional.

## Manage Instruments

The Midaz API lets you:

* List Instruments for an organization.
* Create an Instrument for a Holder.
* Retrieve, update, or delete an Instrument in the scope of its Holder.
* Delete a related party from an Instrument.

Use the [Midaz API reference](/en/reference/products/midaz/v2/list-instruments) for the current request and response schema.

## Next steps

<CardGroup cols={2}>
  <Card title="Holders" icon="user" href="/en/products/midaz/crm/holders">
    Learn about the Holder associated with an Instrument.
  </Card>

  <Card title="Accounts" icon="wallet" href="/en/products/midaz/accounts">
    Learn how Midaz Ledger Accounts hold balances and movements.
  </Card>
</CardGroup>