# Overview

## Business Model

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- **Institution**: The entity integrating with the PayKKa platform — that's **you**. Before accessing the PayKKa platform, you need to contact the relevant personnel to set up your platform account.
- **Merchant**: The fundamental business entity. All business operations are conducted under a merchant identity. An institution can have multiple merchants (one-to-many). You can onboard multiple merchants through the [Merchant Onboarding process](/collection/docs/merch).
- **Collection Account (VA)**: An account provided by the merchant for receiving payments. A merchant can have multiple collection accounts (one-to-many). Successfully onboarded merchants can open multiple collection accounts through the [Collection Account process](/collection/docs/va).
- **Currency Wallet**: A business entity on the PayKKa platform for managing merchant funds by currency. You can use the [Query Account Balance API](/collection/apis/openapi/account-balance/query) to check the currency wallets and balances under a specific merchant.
  - A currency wallet is automatically created when a collection account is opened successfully.
  - A merchant can have multiple currency wallets (one-to-many).
  - There is only one wallet per currency.


## Platform Features

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## Next Steps

Now that you have a comprehensive understanding of the PayKKa platform, you can proceed to [Merchant Onboarding](/collection/docs/merch).