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

# FBO Accounts

> "For Benefit Of" accounts that hold inventory within an organization

An **FBO (For Benefit Of) account** represents an individual or entity whose assets are stored in the vault on behalf of an organization. FBO accounts are the primary unit of inventory ownership in Beach Depositories.

## What is an FBO account?

In vault storage, assets are often held "for the benefit of" a third party. For example, a precious metals dealer (the organization) may store gold on behalf of their customers (FBO account holders). Each customer gets their own FBO account to track their specific inventory.

## Properties

| Property                   | Description                                                |
| -------------------------- | ---------------------------------------------------------- |
| **First Name / Last Name** | Account holder's name                                      |
| **Email**                  | Contact email (used for notifications)                     |
| **Phone**                  | Contact phone number                                       |
| **Business Name**          | Optional business name for entity accounts                 |
| **Max Insured Value**      | Maximum insured value for this specific account (in cents) |
| **Risk Score**             | Account-level risk assessment                              |
| **Organization**           | The parent organization this account belongs to            |

## Addresses

Each FBO account can have multiple addresses of different types:

| Address Type  | Purpose                                    |
| ------------- | ------------------------------------------ |
| **Return**    | Default address for outbound shipments     |
| **Billing**   | Billing and invoicing address              |
| **Alternate** | Additional addresses for flexible shipping |

Addresses can be activated or deactivated. All address changes are tracked in the address history.

## Org member access

Customer access to FBO account data is through **Clerk organization membership**. Organization admins invite members to the org; members then use the vault app (signed in with Clerk) to view inventory, request shipments, and manage addresses for accounts in their organization.

## Audit trail

FBO account changes are fully tracked, including:

* Account creation
* Name, email, phone, and business name changes
* Max insured value and risk score changes
* Organization reassignment
* Account deletion

## Lifecycle

```mermaid theme={null}
graph LR
    A[Created] --> B[Active]
    B --> D[Deleted]
```

1. **Created** — An organization admin creates the FBO account. A welcome email is sent automatically.
2. **Active** — The account is live and can hold inventory and receive shipments. Org members access it via Clerk org membership.
3. **Deleted** — Soft-deleted. The account and its history remain in the system for audit purposes, but it can no longer hold active inventory.