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

# Overview of Global Account

> Collect funds globally, send cross-border payouts, and exchange currencies through a single API.

Global Account provides infrastructure for moving money across borders. Use virtual accounts to collect funds in local currencies, send payouts to recipients in 180+ countries, and convert between currencies at competitive rates.

## Collections

<CardGroup cols={2}>
  <Card title="COBO and POBO" href="/global-account/v1.6/guide/cobo-pobo" icon="fa-arrows-left-right">
    Collect or pay on behalf of other entities. Understand when to use COBO (Collection on Behalf Of) vs. POBO (Payment on Behalf Of).
  </Card>

  <Card title="Named vs. non-named accounts" href="/global-account/v1.6/guide/named-pobo-vs-non-named-pobo-named-cobo-vs-non-named-cobo" icon="fa-tags">
    Choose between named and non-named virtual accounts depending on your compliance and reconciliation requirements.
  </Card>

  <Card title="Apply for a virtual account" href="/global-account/v1.6/guide/apply-for-a-virtual-account" icon="fa-wallet">
    Request a virtual account to start receiving funds in supported currencies.
  </Card>

  <Card title="Account types" href="/global-account/v1.6/guide/virtual-account-global-account-local-account" icon="fa-layer-group">
    Understand the difference between virtual accounts, global accounts, and local accounts.
  </Card>
</CardGroup>

## Payments

<CardGroup cols={2}>
  <Card title="Deposit" href="/global-account/v1.6/guide/deposit" icon="fa-arrow-down-to-line">
    Receive inbound funds into your UQPAY account balance.
  </Card>

  <Card title="Payout" href="/global-account/v1.6/guide/payout" icon="fa-arrow-up-from-line">
    Send funds to recipients via local payment rails in their country.
  </Card>

  <Card title="Transfers" href="/global-account/v1.6/guide/transfer-between-accounts" icon="fa-right-left">
    Move funds between a master account and its sub-accounts.
  </Card>

  <Card title="Cross-currency payout" href="/global-account/v1.6/guide/cross-currency-payout-guide" icon="fa-globe">
    Send payouts in a currency different from your account balance, with FX applied at the time of transfer.
  </Card>

  <Card title="Recipients" href="/global-account/v1.6/guide/recipients-beneficiary" icon="fa-user-check">
    Create and manage beneficiary records before initiating payouts.
  </Card>
</CardGroup>

## Foreign exchange

<CardGroup cols={2}>
  <Card title="Exchange rates" href="/global-account/v1.6/guide/exchange-rates" icon="fa-chart-line">
    Query current FX rates and check currency-pair availability before creating a quote.
  </Card>

  <Card title="Create conversion via API" href="/global-account/v1.6/guide/create-conversion-via-api" icon="fa-arrow-right-arrow-left">
    Lock in exchange rates and execute conversions programmatically.
  </Card>

  <Card title="Create conversion via dashboard" href="/global-account/v1.6/guide/create-conversion-via-dashboard" icon="fa-display">
    Execute currency conversions manually through the UQPAY dashboard.
  </Card>
</CardGroup>

## API reference

* [List virtual accounts](/global-account/v1.6/api-reference/list-virtual-accounts)
* [List balances](/global-account/v1.6/api-reference/list-balances)
* [List deposits](/global-account/v1.6/api-reference/list-deposits)
* [Create payout](/global-account/v1.6/api-reference/create-payout)
* [List exchange rates](/global-account/v1.6/api-reference/list-current-rates)
* [List conversions](/global-account/v1.6/api-reference/list-conversion)