#Accounts

An account is a financial container tied to a ledger. Every account has an address (URN), a type (medium), a state, and a balance — all inherited from the ledger it belongs to.

What is an Account?

Which account types exist?

Each account type has its own client in the SDK: client.accounts.virtual, client.accounts.card, client.accounts.bancolombia, and so on.

What is a Medium?

What is an Asset and how are amounts represented?

Assets use the format SYMBOL/DECIMALS. Amounts are always passed as strings — never as floats — to avoid floating-point precision issues.

// DUSD/6 has 6 decimal places
// To represent $50.00: multiply by 10^6
const amount = '50000000' // = 50.000000 DUSD

// COPM/2 has 2 decimal places
// To represent 10,000 COP: multiply by 10^2
const copAmount = '1000000' // = 10000.00 COP

Always work in the smallest unit (like "cents" but for each asset's precision). Convert for display, but store and send as strings.

What account states exist?

Every account goes through a lifecycle:

creation_in_progress
       ↓
     active
    ↙     ↘
frozen   disabled
              ↓
           deleted

Some operations (like card charges or transfers) will fail if the account is not active. Always check state before initiating financial operations, or use webhooks to track state changes.

What is a Transfer?

const result = await client.accounts.transfer({
  sourceUrn: virtualAccount.urn,
  destinationUrn: card.urn,
  amount: '50000000',
  asset: 'DUSD/6',
})

// result.status = 'queued' | 'processing' | 'completed' | 'failed'
// result.queueId = 'txn_...'

Transfers work between any account types — card to Bancolombia, virtual to Polygon, etc. The transfer routes through the shared ledger if both accounts share one.

#What's next

→ Swap — converting assets and working with payment rails