A Portfolio is a logical grouping of Accounts belonging to a single entity, such as a customer or business unit. Portfolios simplify account management by clustering all related Accounts under a single structure.

Think of a Portfolio as a wallet containing multiple asset-specific Accounts for a customer.

For example, a retail banking customer might have a Portfolio that includes:

A BRL checking account
A USD savings account
A credit card account

This grouping enables institutions to view a customer’s total relationship across all accounts and apply policies at the Portfolio level.

Portfolio Structure

Portfolio > Accounts: Each Portfolio contains one or more Accounts, typically linked to a specific customer or entity.
Portfolio > Ledger > Organization: Portfolios belong to an Organization via their Ledger, providing structured account management.

Key Characteristics

Portfolios commonly represent customers in a banking context.
They simplify financial aggregation, enabling customer-level insights.
Internal Portfolios can also be created for operational use cases.

Managing Portfolios

To manage your Portfolios you can use the Portfolios API or the Portfolios and Accounts tab of the Ledgers page on Midaz Console.

View Portfolios Details

Via API:
- To view the details of all Portfolios, use the List Portfolios endpoint.
- To view the details of a specific Portfolio, use the Retrieve a Portfolio endpoint.
Via Console: Access the Portfolios and Accounts tab to view the detais of a Portfolio. For more information, refer to the Managing Portfolios page.

Create a Portfolio

Via API: Use the Create a Portfolio endpoint.
Via Console: Create a Portfolio from the Portfolios and Accounts tab of the Ledgers page. For more information, refer to the Creating the First Portfolio or the Creating a new Portfolio pages.

Edit a Portfolio

Via API: Use the Update a Portfolio endpoint.
Via Console: Edit Portfolio details from the Portfolios and Accounts tab of the Ledgers page. For more information, refer to the Editing Portfolio information page.

Delete a Portfolio

Via API: Use the Update a Portfolio endpoint.
Via Console: Delete a Portfolio from the Portfolios and Accounts tab of the Ledgers page. For more information, refer to the Deleting a Portfolio page.