Accounts represent how funds are structured and held within Treasury.
They provide a way to organize balances and transactions, giving you control over how money is grouped, tracked, and reported.
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
