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Wallets and balances

CashXChain uses a wallet abstraction to present balances across currencies, accounts, partner rails, and settlement assets. The word wallet in the API refers to a logical balance container, not a requirement for end users to manage private keys.

Business-friendly balance model​

A business sees balances in familiar currency terms:

  • Available balance: funds that can be used for eligible payments.
  • Pending balance: funds expected but not yet final.
  • Reserved balance: funds held for pending payments, fees, compliance review, or quote locks.
  • Restricted balance: funds that cannot currently move because of account, risk, legal, or partner restrictions.

Logical wallets​

A company can have multiple logical wallets or balance containers:

  • Operating wallet: default working balance.
  • Treasury wallet: larger treasury balance or platform-level funds.
  • Payout wallet: funds reserved for batch payouts.
  • Fee wallet: fees, refunds, or platform economics.
  • Escrow wallet: milestone or conditional settlement workflows where supported.

Funding an account​

Wallets can be funded through several rails depending on jurisdiction, partner configuration, and product enablement:

  • Bank transfer in. Direct deposit, SEPA, SEPA Instant, FPS, ACH, wire, or equivalent local schemes into the account's funding details.
  • Stablecoin deposit. Inbound stablecoin transfer to a deposit address, where supported and compliant for the account.
  • Internal transfer. Movement from another CashXChain account or wallet under the same customer.

The set of methods enabled on a given account is exposed in the dashboard and through the API. See Rails for a full overview.

No seed phrases​

CashXChain does not require business users to store seed phrases, sign blockchain transactions manually, hold gas tokens, or understand chain-specific details. Any blockchain settlement is abstracted behind the platform and partner infrastructure.

Ledger entries​

Every balance change creates ledger entries. Ledger entries are immutable accounting records that describe:

  • The related account.
  • The wallet or balance container.
  • Debit or credit direction.
  • Amount and currency.
  • Related payment, quote, fee, adjustment, or return.
  • Timestamps and settlement state.
  • External references where applicable.

Internal transfers​

Where supported, CashXChain can move funds between wallets under the same account or between enabled CashXChain accounts. Internal transfers are still logged, permissioned, and auditable.

Partner-held funds​

Depending on the product configuration and jurisdiction, funds may be held, processed, or settled by regulated partners. CashXChain presents normalized balance views but does not replace the contractual or regulatory role of those partners.

Best practices​

  • Reconcile against ledger entries, not only payment status.
  • Treat pending funds as unavailable until final.
  • Use references that match your ERP or invoice IDs.
  • Subscribe to balance and payment webhooks for automation.
  • Apply role-based access controls for treasury users.