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

# For Businesses

> Activate your EUR account as a company. Plan around 20 to 30 minutes; approval usually within 2 to 5 business days.

# Activate your business EUR account

A real European IBAN in your company's name, linked to your AgentaOS wallet.

<Note>
  Plan around **20 to 30 minutes** the first time. Approval usually arrives within **2 to 5 business days**.
</Note>

## Before you start

<Card title="Have these ready" icon="clipboard-list">
  * **Company registration documents**: proof of legal name, registered address, registration number, and registration date.
  * **Beneficial ownership document**: shows everyone who owns 25% or more.
  * **Power of attorney or authorisation**: proves the person opening the account is allowed to act for the company.
  * **Photo ID for the representative**: passport, national ID card, or residence permit. Must be valid.
  * **Personal details of all directors and 25%+ owners**: full name, residential address, nationality, date of birth.
</Card>

## Eligibility

<Warning>
  Some sectors and structures cannot be onboarded. Check these before you start so you don't waste 30 minutes.
</Warning>

<AccordionGroup>
  <Accordion title="Sectors that are not accepted">
    * Gambling, adult entertainment
    * Arms, dual-use goods, exotic animal trade, diamonds
    * Unregulated pharmaceuticals or supplements
    * Anonymous crypto services, unlicensed FX, binary options
    * Unlicensed money remittance, hawala
    * Pyramid or multi-level-marketing schemes
    * Counterfeit goods or piracy
  </Accordion>

  <Accordion title="Structures that are not accepted">
    * Shell companies or offshore banks
    * Nominee shareholders or bearer shares
    * Entities with no legal personality
    * Cash-only funded remittance entities
  </Accordion>
</AccordionGroup>

## Step-by-step

<Steps>
  <Step title="Start in AgentaOS">
    Open **Payouts** from the sidebar and click **Activate EUR account**.

    <Frame>
      <img src="https://mintcdn.com/agentokratia/gWYeKBSRl5Mu614X/images/banking/01-activate.png?fit=max&auto=format&n=gWYeKBSRl5Mu614X&q=85&s=8f99a0d5df7123d17a1134bcef3628c7" alt="AgentaOS Payouts page with the Activate EUR account button" width="2456" height="1548" data-path="images/banking/01-activate.png" />
    </Frame>
  </Step>

  <Step title="Open the account">
    A short consent screen explains what comes next. Click **Open the account**.

    <Frame>
      <img src="https://mintcdn.com/agentokratia/gWYeKBSRl5Mu614X/images/banking/02-open-account.png?fit=max&auto=format&n=gWYeKBSRl5Mu614X&q=85&s=f9e75d16ca70842941e9c47136caf410" alt="Consent screen explaining what is needed to open the EUR account" width="950" height="1044" data-path="images/banking/02-open-account.png" />
    </Frame>
  </Step>

  <Step title="Choose Sign up">
    First time? Click **Sign up free**. Already have an account? Choose **Login**.

    <Frame>
      <img src="https://mintcdn.com/agentokratia/gWYeKBSRl5Mu614X/images/banking/03-create-account.png?fit=max&auto=format&n=gWYeKBSRl5Mu614X&q=85&s=1a9178c30e406f168e4943d2bd0cf3bc" alt="Sign up or Login choice" width="1404" height="1360" data-path="images/banking/03-create-account.png" />
    </Frame>
  </Step>

  <Step title="Create your login">
    Enter the **email** you want approval notifications sent to, choose a **password**, and pick the **country of incorporation**. Tick both agreement boxes and click **Sign up**.

    <Tip>
      **Use the same email you used for your AgentaOS account.** It keeps everything linked under one identity and makes future sign-ins simpler. Approval status, requests for clarifications, and your IBAN details all arrive there.
    </Tip>

    <Frame>
      <img src="https://mintcdn.com/agentokratia/gWYeKBSRl5Mu614X/images/banking/04-signup.png?fit=max&auto=format&n=gWYeKBSRl5Mu614X&q=85&s=e4025deb5ca16798d68adb33fe7648d9" alt="Email, password and country form" width="1404" height="1496" data-path="images/banking/04-signup.png" />
    </Frame>
  </Step>

  <Step title="Get started">
    A short welcome screen kicks off the document check. Answer a couple of quick yes-or-no questions, tick the agreement box, and click **Continue**.

    From here you'll add the company details, upload the registration documents, list the people connected to the company, and answer the business-profile questions.

    <Frame>
      <img src="https://mintcdn.com/agentokratia/gWYeKBSRl5Mu614X/images/banking/05-verification.png?fit=max&auto=format&n=gWYeKBSRl5Mu614X&q=85&s=1b652cee3e0fc4d802f4aa377a9df9a5" alt="Get started screen before the document check" width="1404" height="1068" data-path="images/banking/05-verification.png" />
    </Frame>
  </Step>

  <Step title="Company details">
    Fill in the company information **exactly** as it appears on official records:

    * Legal name
    * Registration number
    * Registered address (street, postal code, city, state or county)
    * Country of incorporation
    * Date of incorporation
    * VAT number and website if you have them

    <Warning>
      Mismatches between what you type and what's on the registration document are the single biggest source of resubmission requests. Copy carefully from the official extract.
    </Warning>
  </Step>

  <Step title="Upload company documents">
    Six documents in total. Many countries combine several of these into one official extract, so the same PDF can often be used for multiple slots.

    | # | Document                       | Notes                                                       |
    | - | ------------------------------ | ----------------------------------------------------------- |
    | 1 | Proof of legal name            | Registration extract or certificate of incorporation        |
    | 2 | Proof of registered address    | Usually on the same extract                                 |
    | 3 | Proof of registration number   | Usually on the same extract                                 |
    | 4 | Proof of date of registration  | Usually on the same extract                                 |
    | 5 | Beneficial ownership statement | Names everyone holding 25% or more                          |
    | 6 | Power of attorney              | Authorisation for the representative to act for the company |

    <Tip>
      **English versions are recommended but not mandatory.** Official documents in your local language are accepted. If a document is in a script that's unfamiliar to most reviewers (for example, non-Latin scripts), a plain English translation alongside the original speeds things up but isn't a hard requirement.
    </Tip>
  </Step>

  <Step title="People connected to the company">
    Add details for everyone in the roles below.

    <CardGroup cols={2}>
      <Card title="Representative">
        The person filling in the application. Photo ID required (passport, national ID, or residence permit).
      </Card>

      <Card title="Directors">
        Everyone with power of procuration. Personal details only, no photo ID needed.
      </Card>

      <Card title="Beneficial owners">
        Everyone holding 25% or more. Personal details only, no photo ID needed. Ownership percentage required.
      </Card>

      <Card title="Shared fields per person">
        First and last name, residential address, postal code, city, country, nationality, date of birth.
      </Card>
    </CardGroup>

    <Tip>
      A single person can fill more than one role. If the founder is the representative, a director, and a 100% owner, they appear three times with the same details.
    </Tip>
  </Step>

  <Step title="Business profile and risk assessment">
    A short questionnaire about what the business does and how money flows through it.

    * **Service description**: one to two sentences in plain English.
    * **Legal form**: limited company, partnership, sole trader, non-profit, etc.
    * **Purpose of the account**: collect customer payments, pay suppliers, hold balances.
    * **Main activity**: pick the closest category (software, e-commerce, marketplace, professional services).
    * **Origin of funds**: revenue and operations, profit and dividends, investor capital.
    * **Expected monthly turnover**: under €100k, €100k-€250k, or over €250k.
    * **Expected monthly transaction count**: under 100, 100-250, or over 250.

    <Tip>
      Estimates are fine. Don't overthink the numbers. If you're early-stage, your honest forecast is better than zero.
    </Tip>
  </Step>

  <Step title="Source of funds (if asked)">
    A small number of profiles need an extra source-of-funds document. This usually only applies if:

    * The company is incorporated in a restricted country.
    * A director or beneficial owner is a politically exposed person.

    If you fall into one of these, expect to upload bank statements, recent audited accounts, or an investor term sheet.
  </Step>
</Steps>

## Tips to avoid delays

<AccordionGroup>
  <Accordion title="Typo in the company name or registration number">
    The most common rejection cause. Copy directly from the official extract.
  </Accordion>

  <Accordion title="Missing 25% owners">
    Every individual with 25% or more must be declared. If the cap table goes through holding companies, you must declare the natural persons behind those holdings.
  </Accordion>

  <Accordion title="Power of attorney not in the representative's name">
    The authorisation document has to name the person submitting the application. If you delegate, update the authorisation first.
  </Accordion>

  <Accordion title="Documents older than the rules allow">
    Registration extracts are usually fine up to 3 to 6 months old. Older extracts will be rejected.
  </Accordion>

  <Accordion title="Politically exposed person without source of funds">
    If any director or 25%+ owner has held a senior public role recently, attach a source-of-funds document at submission. Adding it later restarts the review clock.
  </Accordion>

  <Accordion title="Activity description that's too vague">
    "Tech company" is too broad. Say what the product is and who pays for it.
  </Accordion>
</AccordionGroup>

## What happens next

Most business reviews finish within 2 to 5 business days. Once approved, your company's EUR IBAN appears on your **Payouts** page and SEPA transfers start landing in your AgentaOS account.

<Card title="Need help?" icon="envelope" href="mailto:contact@agentaos.ai">
  Reach out at [contact@agentaos.ai](mailto:contact@agentaos.ai)
</Card>
