Accounts and balances

An account is a currency-denominated place your money sits with StableMint. You hold one per currency — today EUR and USD. Each account carries an IBAN, the bank behind it, its balance, and a summary of your customers’ activity on it.

curl "https://api.stablemint.net/v1/accounts?startDate=2026-08-01T00:00:00Z&endDate=2026-09-01T00:00:00Z" \
  -H "ApiKey: $STABLEMINT_API_KEY" \
  -H "Timestamp: $TIMESTAMP" \
  -H "Nonce: $NONCE" \
  -H "Signature: $SIGNATURE"

string

Optional ISO 8601 timestamp. Bounds the activity window. Omit both to get the default window.

string

Optional ISO 8601 timestamp.

The response is an array — one entry per currency account you hold.

[
  {
    "currency": "EUR",
    "accountHolder": "Acme Payments Ltd",
    "bankName": "Example Bank",
    "iban": "MT00XXXX00000000000000000000",
    "totalBalance": 184320.55,
    "balance": {
      "businessBalance": 42180.55,
      "customerBalance": 142140.00,
      "totalDeposits": 903412.00,
      "totalWithdrawals": 761272.00,
      "netDeposit": 142140.00
    },
    "customerActivity": {
      "customerBalance": 142140.00,
      "depositTotal": 903412.00,
      "depositAverage": 214.60,
      "depositTrend": 4.2,
      "withdrawalTotal": 761272.00,
      "withdrawalAverage": 188.30,
      "withdrawalTrend": -1.8,
      "netDepositTrend": 6.0,
      "depositWithdrawalRatio": 1.19
    }
  }
]

One call gives you the account, its balance and the activity summary. There is no separate balance endpoint — balance and customerActivity are nested on each account, so you never have to make a second call to find out what the account is worth.

The account itself

Field	Meaning
`currency`	The currency this account is denominated in.
`accountHolder`	The registered name on the account.
`bankName`	The bank holding it.
`iban`	The account’s own IBAN. See virtual IBANs below.
`totalBalance`	Everything on the account: `businessBalance` + `customerBalance`.

Reading `balance`

You hold one balance per currency. businessBalance and customerBalance split that single pool by who the money is attributable to — they are an accounting view over one balance, not two separate pots.

businessBalance

Money attributable to you. Fees you have earned, float you have funded, working capital.

customerBalance

The sum of what your customers hold with you, in aggregate.

Payouts and conversions draw on totalBalance, not on businessBalance. There is no technical control stopping you from spending past your own funds: a payout is admitted whenever totalBalance covers it, and businessBalance will go negative when it does not. A negative businessBalance is a real signal — it means your own outflows are being funded by money attributable to your customers. Track it yourself if that matters to you; the API will not stop you.

Field	Meaning
`businessBalance`	Money attributable to you. Can go negative — see above.
`customerBalance`	Money attributable to your customers, in aggregate.
`totalDeposits`	Completed deposits into your own funds — your fundings and conversions in. Deposits made by your customers are not counted here; they land in `customerBalance`.
`totalWithdrawals`	Completed withdrawals and conversions out of your own funds, on the same basis. Pending ones are already deducted from `businessBalance` but are not counted here.
`netDeposit`	`totalDeposits` − `totalWithdrawals`, so also business-scoped.

Reconcile against totalBalance, never against netDeposit. netDeposit is a business-scoped lifetime flow figure, so it will not agree with a balance that also holds customer money — and it goes negative as soon as you pay out more than you funded. It is a reporting number, not an accounting one.

Reading `customerActivity`

customerActivity is a reporting summary, not a ledger. It describes how your customers have behaved on this account over the requested window.

Field	Meaning
`customerBalance`	Aggregate customer holdings. Same figure as `balance.customerBalance`.
`depositTotal`	Value deposited by customers in the window.
`depositAverage`	`depositTotal` divided by the number of days in the window — a daily rate, not the size of a typical deposit.
`depositTrend`	`depositTotal` as a percentage of the preceding window, not the change between them. `100` means flat, `0` when the preceding window was empty.
`withdrawalTotal`	Value withdrawn by customers in the window.
`withdrawalAverage`	`withdrawalTotal` divided by the number of days in the window, as `depositAverage`.
`withdrawalTrend`	`withdrawalTotal` as a percentage of the preceding window, as `depositTrend`.
`netDepositTrend`	Net flow as a percentage of the preceding window’s net flow. `0` when that nets to zero.
`depositWithdrawalRatio`	Deposits divided by withdrawals, as a percentage. `100` when there were no withdrawals — not infinity, and not an error.

Do not reconcile against these figures. They are shaped for dashboards — trends, averages and ratios over a window you chose. Use Transactions when you need the individual movements that make up a number.

Virtual IBANs do not hold balance

You may have several IBANs pointing at one account — a partner IBAN, and a virtual IBAN for each customer you provision one for. These are entry points, not accounts. Money arriving at any of them lands on the same underlying currency account. This matters when you reconcile: a virtual IBAN tells you who sent it, not where it is held. There is one balance per currency, regardless of how many IBANs feed it. See Customers for how virtual IBANs attribute an incoming payment to a specific customer.

What is not here yet

There is no per-customer spendable balance. You can see deposit, withdrawal and net figures in aggregate, but StableMint does not compute an authoritative balance for an individual customer. If you credit or debit your customers for anything that is not a deposit or a withdrawal — yield, winnings, losses, fees — that movement is invisible to us and you must hold the balance yourself. Customers covers this in full.

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Accounts and balances

The account itself

Reading `balance`

businessBalance

customerBalance

Reading `customerActivity`

Virtual IBANs do not hold balance

What is not here yet

​The account itself

​Reading balance

businessBalance

customerBalance

​Reading customerActivity

​Virtual IBANs do not hold balance

​What is not here yet

The account itself

Reading `balance`

Reading `customerActivity`

Virtual IBANs do not hold balance

What is not here yet