Failed to save record because Invalid account reference key xxx for currency x

Hi,

Settlement flow failing while refund process and giving "Failed to save record because Invalid account reference key xxx for currency x" error. I understand that we need to assign currency for the account. But we don't want the amount to flow into bank account directly since that shouldn't be the actual number. So for calculating the amount we initially hold it in an account (other asset type) instead of bank account with currency.

Can you please make me understand on how to overcome this.

Thanks,

Divya