Accounts represent how funds are structured and held within Treasury.
Use accounts to separate balances and transactions by workflow, entity, or other operating context.
How accounts work
Accounts act as containers for your funds.
- Each account holds a balance in a single currency
- Transactions are recorded against accounts
- Balances are derived from the activity within each account
Accounts allow you to separate and manage funds across different contexts.
Accounts and balances
Each account maintains a balance in a single currency, with three key views:
- Total balance: all funds associated with the account
- Available balance: funds that can be used immediately
- Pending balance: funds that are not yet available
Total balance
The total balance represents the full amount of funds in the account.
It includes:
- Available funds
- Pending funds
Available balance
The available balance is the portion of funds that can be used.
You can use available balance to:
- Send payouts
- Withdraw funds
- Perform FX conversions
Pending balance
The pending balance represents funds that are in transit or not yet finalized.
Examples include:
- Payments that are still processing
- Incoming transfers that have not settled
- Funds subject to processing timelines
Pending funds become available once processing is complete.
Accounts and transactions
All fund movements are recorded as transactions within accounts.
Examples include:
- Incoming payments
- Payouts
- Refunds
- FX conversions
- Funding and withdrawals
Transactions provide a complete history of activity for each account.
Using accounts
Accounts can be used to structure funds in ways that match your operations.
Common patterns include:
- Per entity: separate accounts for different legal entities
- Per workflow: isolate funds for specific use cases
- Operational separation: distinguish between types of activity
In insurance and claims workflows, accounts are commonly used for:
- Loss fund management: hold and manage funds reserved for claim payments
- Subscriber fund management: track and manage funds contributed by subscribers or participants
- Program or policy-level funds: separate balances for specific programs, policies, or captives
- General cash management: control how funds are allocated, reserved, and deployed
This structure allows you to maintain clear separation of funds while preserving a unified view in Treasury.
Relationship to other Treasury components
Accounts connect the core Treasury concepts:
- Balances: what you have within each account
- Transactions: what has happened within each account
- Virtual accounts: how funds are received into accounts
This structure provides a consistent view of your funds.
Key behaviors
- Each account is tied to a single currency
- Accounts maintain total, available, and pending balances
- Pending funds become available as transactions settle
- Transactions are recorded at the account level
- Balances are derived from account activity
Summary
- Accounts define how funds are structured within Treasury
- Each account holds funds in a single currency
- Balances are split into total, available, and pending
- Transactions drive all balance changes
- Accounts support insurance-specific funding models and broader cash management use cases
Last modified on March 29, 2026
