> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withacclaim.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounts

> Understand how funds are structured and held within Treasury. Accounts organize balances and support how money is tracked and managed.

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.

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## 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.

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## 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

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### 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

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### 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.

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## 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.

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## 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.

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## 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.

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## 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

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## 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