<!-- Source: https://blnkfinance.com/glossary/omnibus-account -->

[Glossary](https://blnkfinance.com/glossary) Omnibus account

# What is an omnibus account?

Omnibus account

An omnibus account is a single bank account that holds funds for many customers. The bank sees one balance. Your ledger splits that balance into wallets, escrow, and other books. The split is your job. The bank will not do it for you.

## How does an omnibus account work?

Customers send money to one account number. You credit the right wallet in the ledger when you know who paid. Outbound payments leave the same account. At any moment the bank balance should equal the sum of the customer balances plus your own accounts, minus items still in flight.

## Omnibus vs virtual account

A virtual account gives each customer a unique number that still lands in the omnibus. It makes inbound matching easier. It does not replace the ledger. The bank still has one pot. You still owe a per-customer book.

## What breaks if the ledger is wrong?

You can pay a customer with someone else’s money and the bank account still looks fine. That is the omnibus risk. Reconciliation against the bank is not optional. It is the only check that the sum of wallets equals the pot.

## How it works with Blnk

The bank sees one pot. Blnk keeps a balance for that pot and a balance for each customer wallet inside it.

When a deposit posts at the bank, the source is `@OmnibusUSD_Bank` and the destination is the customer wallet. Payouts reverse that path.

We use `@OmnibusUSD_Bank` because it is a system balance that belongs to the organization. Blnk calls these [internal balances](https://docs.blnkfinance.com/balances/internal-balances).

Record a deposit from the pot in four steps:

1.  1
    
    Name the pot and the wallet
    
    The source is `@OmnibusUSD_Bank`. The destination is the customer wallet that should own the deposit.
    
2.  2
    
    Post the deposit
    
    Credit the wallet when you know who paid. The bank already has the funds in the pot.
    
    <!-- record-deposit.ts -->
    ```
    await blnk.Transactions.create({
      precise_amount: 25000,
      precision: 100,
      reference: 'omnibus_in_20260816_001',
      currency: 'USD',
      source: '@OmnibusUSD_Bank',
      destination: 'customer_wallet_id',
      description: 'Deposit via ACH',
      meta_data: {
        rail: 'ach',
        virtual_account: '900123456789',
        bank_txn_id: '20260816DDA001',
        customer_id: 'cus_8f21a4',
      },
    });
    ```
    
3.  3
    
    Reverse the path on a payout
    
    Debit the wallet and credit `@OmnibusUSD_Bank` when money leaves the pot.
    
4.  4
    
    Match the bank pot
    
    Upload the bank statement in [reconciliation](https://docs.blnkfinance.com/reconciliations/overview) and prove the wallets still sum to the pot.
    

Related terms

-   [Wallet](https://blnkfinance.com/glossary/wallet)
-   [Identity](https://blnkfinance.com/glossary/identity)
-   [Ledger](https://blnkfinance.com/glossary/ledger)
-   [Float](https://blnkfinance.com/glossary/float)