# Accounts

To use BITNET, users need to first open either an omnibus or individual wallet account with XFT.

| ACCOUNT TYPE       | CONTAINS                          |
| ------------------ | --------------------------------- |
| 
Omnibus 
 | Subaccounts of multiple investors |
| Individual         | Single investor                   |

**FBO Accounts:** Banks hold funds on behalf of fintech’s end-users.

**Omnibus Accounts:** Brokers or intermediaries pool multiple clients’ funds in a single account without individual segregation.

**OBO Accounts:** Funds are managed on behalf of a specific client, common in asset management and trust services. Each model presents advantages in efficiency, customization, and regulatory handling, along with potential compliance risks.


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# Agent Instructions: Querying This Documentation

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Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
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```

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Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.