diff --git a/crud.py b/crud.py
index b2b43dd..0692806 100644
--- a/crud.py
+++ b/crud.py
@@ -250,9 +250,13 @@ async def get_or_create_user_account(
                 if not fava_account_exists:
                     # Create account in Fava/Beancount via Open directive
                     logger.info(f"[FAVA CREATE] Creating account in Fava: {account_name}")
+                    # Unconstrained Open: a per-user receivable/payable legitimately
+                    # holds arbitrary fiat (CAD/GBP/JPY/…). Constraining it to
+                    # EUR/SATS/USD made any posting in another currency fail
+                    # bean-check (the errors this account path originally exhibited).
                     await fava.add_account(
                         account_name=account_name,
-                        currencies=["EUR", "SATS", "USD"],  # Support common currencies
+                        currencies=None,
                         metadata={
                             "user_id": user_id,
                             "description": f"User-specific {account_type.value} account"