1. Core Concepts
Bitpanda Enterprise
  • Bitpanda Enterprise
    • Getting Started
      • Overview
      • Authentication
      • Versioning and API Changes
      • Changelog
    • REST API Endpoints
      • Overview
      • Auth Tokens
        • Obtain a Refresh and Access Tokens
        • Revoke a Refresh Token
      • User Administration
        • Individual Users
          • Create new user
          • Get user list v2
          • Search for users
          • Get user details v2
          • Update an existing user
          • Get user details
          • Off-boarding user
          • Inactivate user
          • Get user accepted Terms & Conditions
          • Get user Terms & Conditions v2
          • User verification files
          • Get account levels
          • Get account levels v2
          • Refresh KYC data for an existing user
        • Businesses
          • Get risk questions
          • Get a list of available businesses
          • Create new business
          • Get business details
          • Update an existing business
          • Create Authorized Individual
          • Get a list of Authorized Individuals
          • Get Authorized Individual details
          • Update Authorized Individual
          • Delete Authorized Individual
          • Create Shareholder
          • Get a list of Shareholders
          • Get Shareholder details
          • Update Shareholder
          • Delete Shareholder
          • Create Beneficial Owner
          • Get a list of Beneficial Owners
          • Get Beneficial Owner details
          • Update Beneficial Owner
          • Delete Beneficial Owner
          • Create Managing Director
          • Get a list of Managing Directors
          • Get Managing Director details
          • Update Managing Director
          • Delete Managing Director
          • Create Individual
          • Get a list of Individuals
          • Get Individual details
          • Update Individual
          • Delete Individual
        • User Files
          • Upload a file
          • Get file contents
          • Get file information
          • Upload a financial file
        • Legal & Regulatory
          • Get Terms & Conditions
          • Get Terms & Conditions v2
          • Get AML questions
          • Get appropriateness questions
          • Get client categorization questionnaire
          • Get DAC8 questionnaire
          • Get FATCA questionnaire
          • Get Legal Documents
          • Capture consent for User's final check
          • Retrieve Tax Identification Number Configuration
          • Get UK appropriateness questionnaire
          • Get appropriateness questionnaire for complex products
          • Get UK Risk Disclosure Warning
          • Acknowledge UK Risk Disclosure Warning
          • Get user compliance status
      • Asset Oversight
        • Asset History
          • Get asset history
          • Get asset history V2
        • Available Assets
          • Get a list of available assets
          • Get a list of available assets v2
        • Asset Details
          • Get asset details
          • Get asset details v2
        • Asset Info
          • Get asset information
          • Get asset information V2
        • Cryptocoin Details
          • Get cryptocoin details
          • Get cryptocoin details V2
        • Metal Details
          • Get metal details
          • Get metal details V2
        • Crypto Index Details
          • Get crypto index details
          • Get crypto index details V2
        • Stock Details
          • Get stock details
          • Get stock details V2
        • Equity Stock Details
          • Get equity stock details
          • Get equity stock details V2
        • ETF Details
          • Get ETF details
          • Get ETF details V2
        • Equity ETF Details
          • Get equity ETF details
          • Get equity ETF details V2
          • Get equity complex ETF details
          • Get equity complex ETF details V2
        • ETC Details
          • Get ETC details
          • Get ETC details V2
          • Get equity complex ETC details
          • Get equity complex ETC details V2
        • Equity ETC Details
          • Get Equity ETC details
          • Get Equity ETC details V2
        • Token Details
          • Get token details
          • Get token details V2
        • Asset ESG Data
          • Get asset ESG data
          • Get asset ESG data V2
        • List all available fiats per partner
        • Get the exchange rate for two assets
        • Get the swap exchange rate between two assets
        • Get assets under management
        • Get assets under management grouped by type
        • Get assets under management grouped by user
        • Get crypto index allocations
        • Get asset tags mapping
        • Get prices
        • Get prices V2
      • Trading Capabilities
        • Trades
          • Create a trade offer
          • [Deprecated] Accept a trade offer
          • Accept a trade offer V2
          • Accept a trade offer V3
          • Get a trade offer status
          • Create a trade offer V2
          • Sell asset with auto-withdraw
        • Swaps
          • Create a swap offer
          • Accept a swap offer
          • Accept a swap offer V2
          • Create a swap offer V2
        • Automated Orders
          • List automated orders
          • Get automated order price estimation
          • Create an automated order
          • Get an automated order details
          • Cancel an automated order
      • Portfolio Management
        • Returns the list of owned assets
        • Returns the list of owned asset groups
        • Portfolio performance based on timeframe
        • Returns the enhanced portfolio detail of an asset
        • Returns the list of owned assets
        • Returns the list of owned asset groups
        • Portfolio performance based on timeframe
        • Returns the enhanced portfolio detail of an asset
        • Returns the list of owned fiat wallets
      • Transactions Timeline
        • All
          • Transaction timeline per user
        • Trades
          • List all trades per user
          • Get trade details
          • Get trades history for user using asset and fiat uuid
          • Search for trades
          • Lightweight Search for trades V2
        • Swaps
          • Search for swaps
          • Search for swaps V2
          • Swap details by swap offer ID
          • Swap details by swap offer ID V2
        • Crypto Transfers
          • List all crypto transfers per user
          • Search for crypto transfers
        • Non-User Initiated Transactions
          • Non-user initiated transaction details
          • List all non-user initiated transactions per partner or per user
          • List all non-user initiated transactions per partner or per user V2
        • Corporate Actions
          • List all corporate actions per partner or per user
          • Corporate action details
          • Corporate action details V2
        • Crypto Actions
          • Crypto action details V2
          • Crypto action details
        • Staking Actions
          • List all staking actions per user
          • List all staking actions per user V2
        • Fiat Transfers
          • Search for fiat transfers
      • Reports
        • Get all available report types per user
        • Get all generated reports per user
        • Download a specific report
        • Create Account Statement Report
        • Get ex-ante report for an offer
        • Get kid information for an offer
        • List partner reports
        • Download a partner report file
      • Tax Insights
        • Get user’s tax eligibility status
        • Update user’s tax eligibility status
        • Get trade tax details
      • Notification Events
        • List all notification events per partner
        • Get JSON Web Key Set
      • Smart Investment Features
        • Crypto Transfers
          • List external addresses
          • Create deposit address
          • Update external address
          • Create withdrawal address
          • Create withdrawal address V2
          • List of VASPs
          • Validate crypto address
          • Update tax declaration status for a crypto deposit transaction
          • Create a crypto withdrawal offer
          • Confirm a withdrawal offer
          • Get public address verification details
          • Submit address verification result
        • Crypto Staking
          • Get staking overview
          • Get bonded overview
          • Stake a crypto asset
          • Stake a crypto asset V2
          • Unstake a crypto asset
          • Unstake a crypto asset V2
          • Get a staking action status
        • Savings Plans
          • Create a savings plan
          • Search for savings plans
          • Search for savings plans V2
          • Get savings plan next recurrence date.
          • Cancel a savings plan
          • Cancel a savings plan V2
          • Confirm a savings plan transaction
          • Confirm a savings plan transaction V2
          • Create a savings plan V2
        • Fiat Transfers
          • Initiate a fiat deposit
          • Create a payout account
          • Get payout accounts
          • Verify a payout account
          • Update a verification
          • Initiate a fiat withdrawal
          • List all fiat transfers per user
          • Get fiat transfer fees
          • Get fiat balances
          • Get deposit bank details
          • Initiate a bank fiat deposit
      • Settlements
        • List all available fiats per partner
        • Create a settlement deposit
        • Update the fiat stock
        • List all settlement transactions per partner
    • Webhooks
      • Overview
      • Setting up Webhooks
      • Handling Webhooks Events
        • User Updates Notifications
          • User Updates Notifications
        • Corporate Actions Notifications
          • Corporate Actions Notifications
          • Corporate Actions Notifications V2
        • Crypto Transfers Notifications
          • Deposit or withdrawal notification
        • Settlement Notifications
          • Send Money
          • Send Money V2
          • Send Money Success
          • Send Money Success V2
          • Top-Up Request
          • Top-Up Request V2
          • Top-Up Success
          • Top-Up Success V2
        • Non-user Initiated Transactions Notifications
          • Non-user Initiated Transactions
          • Non-user Initiated Transactions V2
          • Non-user Initiated Transactions V3
        • Savings Plans Notifications
          • Savings Plan Upcoming Trade
          • Savings Plan Upcoming Trade v2
          • Savings Plan Successful Trade
          • Savings Plan Failed Trade
          • Savings Plan Auto Cancel
          • Savings Transaction Updates
        • Crypto Actions Notifications
          • Crypto Actions Notifications
        • Report Notifications
          • Reports Notifications
        • Automated Orders Notifiations
          • Automated Orders Notifications
        • Proxy Voting
          • Proxy Voting Notifications
        • Fiat Transfers
          • Fiat transfer update notification
        • KYC
          • KYC Refresh Notification
        • Offer Status
          • Offer Status Notification
        • Financial Documents
          • User Financial Documents Notification
    • Websocket
      • Overview
      • Setting a Websocket
      • Websocket Server Documentation
    • Glosary
      • Key Terms and Definitions
    • Trades
      • List auto-conversions
  • Custody
    • Overview
      • Introduction
      • How TrustVault Works
      • Supported Assets
      • Environments
    • Getting Started
      • Getting Started
      • API Onboarding
      • Security
    • Tutorials
      • Create a Bitcoin Transaction
      • Create Ethereum Transaction GraphQL API
      • InfraOps
      • Organisation Management
      • TrustVault Node.js SDK
      • Change Wallet Policy API
      • Create an Ethereum Transaction
      • Create Transaction (Unsupported EVM chain)
      • Calculating Transaction Fee
      • Get User Portfolio
    • APIs
      • Trust API
      • Travel Rule API
      • Deprecations
    • Core Concepts
      • Webhooks
      • Address Book V2
      • Policies and Signing
      • Travel Rule API
      • Wallets and Sub-Wallets
    • Reference
      • Changelog
      • Understanding Bitcoin
      • Supported Ethereum Decoded Data
      • TrustVault Node.js SDK
      • Glossary
      • TrustVault Public Keys
  • Crypto Pay by Bitpanda
    • Overview
    • REST API Endpoints
      • Authentication
        • Obtain a Refresh and Access Tokens
        • Revoke a Refresh Token
      • Transactions
        • Get transaction details
        • Create a new transaction
        • Get transactions details
      • Get list of fiat currencies
  1. Core Concepts

Wallets and Sub-Wallets

Wallets#

A wallet in TrustVault is a BIP32 hierarchical deterministic (HD) key container. It does not hold assets directly — it holds the policy that governs who can sign transactions from it.
Each wallet has:
A unique walletId (UUID) that never changes
A policy defining which keys must sign transactions and policy changes
One or more sub-wallets across one or more chains

Sub-wallets#

A sub-wallet is a child derivation within a wallet. Sub-wallets hold the actual on-chain addresses and balances.
A subWalletId follows the format <walletId>/<CHAIN>/<index>, for example:
7a9e053c-47fc-489b-956f-2aafbe7d2ff0/ETH/0
Every sub-wallet:
Has one or many unique on-chain address derived from the wallet's HD path
Inherits the signing policy of its parent wallet — you cannot set a different policy per sub-wallet
Can hold native assets and tokens for its chain (e.g. an ETH sub-wallet holds ETH and ERC-20 tokens)

Creating sub-wallets#

Sub-wallets are created via the SDK or the createSubWallet GraphQL mutation. The SDK example below is shown. The response includes a trustVaultProvenanceSignature over the public key — verify this against the TrustVault public key before trusting the returned address.

Listing sub-wallets#

Use the SDK method getSubWalletsConnection to page through all sub-wallets (the GraphQL equivalent is the user.subWallets query):

Key relationships#

Organisation
  └── Wallet (policy + walletId)
        ├── Sub-wallet: <walletId>/BTC/0  → Bitcoin address
        ├── Sub-wallet: <walletId>/ETH/0  → Ethereum address
        └── Sub-wallet: <walletId>/ETH/1  → Ethereum address
All sub-wallets under a wallet share the same signing policy. To apply different signing rules to different assets, create separate wallets.

Further reading#

How TrustVault Works — wallet model, policies, and signing flow overview
Policies and Signing — detailed policy structure
TrustVault Node.js SDK — SDK reference
Modified at 2026-10-29 12:46:11
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