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

# Overview

> Represent the people and businesses your users send money and assets to, or receive money and assets from.

## Resources

* [**Counter Party**](/v3/core/counter-party/counter-party) - the recipient/payer record itself: `INDIVIDUAL` or `BUSINESS`, with identity and address details.

* [**External Card**](/v3/core/counter-party/external-card) - a debit/prepaid card for a counterparty, used as the destination for a card payout.

* [**External Wallet**](/v3/core/wallets/external-wallet) - an on-chain address for a counterparty, used as the destination for on-chain operation.

## Individual vs. Business

Every counterparty is created with a `type` of `INDIVIDUAL` or `BUSINESS`, which determines which fields apply, for example `firstName`/`lastName` for individuals, `businessName` for businesses. This type can't change after creation.

<Info>
  Creating a counterparty only requires the minimum identifying fields (name, or business name). Adding an External Account or External Card to that counterparty requires more - see each resource's page for its specific requirements. If the counterparty is missing a required field, HIFI returns `ACTION_NOT_ALLOWED` (422) and you'll need to [update the counterparty](/v3/core/counter-party/counter-party#update-a-counter-party) with the missing information before retrying.
</Info>

## Getting Help

* 📧 **Email:** [support@hifi.com](mailto:support@hifi.com)
* 💬 **Slack:** Message us in our shared Slack channel

## Related Resources

* [Counter Party](/v3/core/counter-party/counterparty) - Create and manage recipients/payers
* [External Account](/v3/core/counter-party/external-account) - Bank accounts for a counterparty
* [External Card](/v3/core/counter-party/external-card) - Cards for a counterparty
* [External Wallet](/v3/core/wallets/external-wallet) - On-chain addresses for a counterparty