# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Overview

Manage funds and control payouts to clients and their partners within your platform by giving clients a J.P. Morgan Limited Demand Deposit Account. In this pathway, your clients' funds are kept in an account in their name and tax ID, with your platform acting as their agent.

## Outside the flow of funds

This pathway keeps your platform <b style="font-size: 16.0px;">outside of the flow of funds**. This means your client's money is moved into an account held in their name. Before choosing to include this pathway in your Embedded Payments solution, you should consult your legal team to confirm the implications of being outside the flow of funds. 

## How it works

1. Onboard Clients to J.P. Morgan: Use the Digital Onboarding API to onboard your clients to J.P. Morgan. This process includes identity verification and due diligence.

2. Create an Account and Integrate Balances: Create an account and seamlessly integrate account balances and payout options within your platform. This allows you to offer a cohesive and intuitive financial experience for your clients, enhancing their engagement and satisfaction.

3. Move Money In and Out and Enable Settlement for your Clients: Gain the ability to move money into and out of the Limited DDA accounts.  You are able to efficiently manage the flow of funds throughout your platform acting as agent for your clients with the Embedded Payments API.