> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Get balances > The four independent virtual balances of the calling account (USDT — the operating currency —, USDC, BTC and GOLD in grams of fine gold). Every supported asset is always present, with zeros if the account has not used that currency yet. If the account uses Banking, its BANK_USD/BANK_EUR mirror balances are also listed with the `custody` marker set to `banking` (the authoritative balance lives at the bank; these balances are not spendable inside the platform). ## OpenAPI ````yaml /openapi.yaml get /v1/balances openapi: 3.1.0 info: title: CBPay API version: '1.89' description: | CBPay is a multi-currency payment platform: fiat payouts and collections across Latin America, internal transfers, on-chain funding and withdrawals, and KYC screening. Every account holds four independent virtual balances — USDT (the operating currency), USDC, BTC and GOLD (grams of fine gold) — that never mix or convert automatically. Payouts and service fees can be paid from any of the four balances: set a default with `PUT /v1/settlement` or override per payout with `settlement_asset`. All amounts are decimal strings in each currency's precision (6 decimals for USDT/USDC/GOLD, 8 for BTC). Errors always return `{"error": "", "message": ""}`. servers: - url: https://api.qbank.cl/platform description: Live (production, real money) - url: https://cryptobank.qbank.cl/platform description: Test (sandbox, simulated money — pk_test_ keys) security: - bearerAuth: [] tags: - name: Receipts description: >- Branded PDF receipt per operation, with a public signed-QR authenticity check, receipt_url on every response/webhook and automatic email delivery on final states. - name: Authentication description: Register and log in account members. Sessions last 24 hours. - name: Account description: Profile, members and API keys of the calling account. - name: Balances description: Balances, movement history and FX rates. - name: Payouts description: >- Fiat dispersals debited from the settlement balance of your choice (USDT by default). - name: Payins description: Fiat top-ups credited to the USDT balance. - name: Transfers - name: Contacts - name: Swaps description: >- Free internal transfers between CBPay accounts (person or company, any combination). - name: Crypto description: On-chain funding and withdrawals (TRON, Ethereum and Bitcoin). - name: Segregated wallets description: >- On-chain wallets with their own balance (companies unlimited; persons 1 per network+asset pair) — create, import, send, export the private key and auto-forward. The balance lives on-chain, never in the ledger. - name: QR Crypto POS description: >- Amount-bearing crypto QR charges for processors with physical POS terminals (company accounts): verified merchants, exclusive address + QR per charge, early payment detection, per-merchant reconciliation and refunds over the crypto withdrawal rail. - name: KYC / KYB - name: AML screening description: >- Identity verification: KYC for persons, KYB for companies, with AML screening, rescreening and continuous monitoring. - name: Wallet screening description: >- AML risk assessment of blockchain addresses (sanctions, illicit-fund exposure) with a per-scan fee, plus free automatic protection on withdrawals and deposits. - name: Analytics - name: Webhooks description: Subscriptions to receive signed event notifications. - name: Status description: Service availability. - name: Banking description: >- Real bank accounts: receive, hold and send money over international banking rails. - name: Cards description: >- Virtual and physical cards that spend Just-In-Time from the account's USDT balance, with per-card spending limits. - name: Security (OTP) description: >- One-time verification codes over SMS/WhatsApp/email protecting sensitive actions, plus self-service 2FA preferences. Applies to user sessions only — API keys are exempt. - name: Passkeys description: >- Passwordless sign-in with the device's biometrics (Face ID, Touch ID, Windows Hello, security keys) via WebAuthn, authenticator apps (TOTP) with backup codes, and session/device management. - name: Social login description: >- Passwordless sign up and sign in with Google, Apple, Microsoft and Facebook via token exchange. The front end obtains the provider credential; the API verifies it and issues the CBPay session. paths: /v1/balances: get: tags: - Balances summary: Get balances description: >- The four independent virtual balances of the calling account (USDT — the operating currency —, USDC, BTC and GOLD in grams of fine gold). Every supported asset is always present, with zeros if the account has not used that currency yet. If the account uses Banking, its BANK_USD/BANK_EUR mirror balances are also listed with the `custody` marker set to `banking` (the authoritative balance lives at the bank; these balances are not spendable inside the platform). operationId: getBalances responses: '200': description: Balances of the calling account (one per supported asset). content: application/json: schema: $ref: '#/components/schemas/BalancesResponse' example: account_id: 9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d balances: - asset: USDT available: '125.430000' held: '10.000000' updated_at: '2026-07-07T12:00:00Z' - asset: USDC available: '50.000000' held: '0.000000' updated_at: '2026-07-08T09:00:00Z' - asset: BTC available: '0.00060000' held: '0.00000000' - asset: GOLD available: '12.500000' held: '0.000000' - asset: BANK_USD available: '7500.00' held: '0.00' custody: banking updated_at: '2026-07-08T09:00:00Z' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/AccountRequired' components: schemas: BalancesResponse: type: object properties: account_id: type: string format: uuid balances: type: array items: type: object properties: asset: type: string example: USDT available: type: string example: '100.000000' held: type: string description: Reserved by in-flight payouts/withdrawals. example: '5.000000' updated_at: type: string format: date-time Error: type: object properties: error: type: string description: Machine-readable error code (snake_case). example: insufficient_funds message: type: string description: Human-readable explanation. responses: Unauthorized: description: Missing or invalid credential (`unauthorized`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: invalid or missing credentials AccountRequired: description: This endpoint requires an account credential (`account_required`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: account_required message: this endpoint requires an account credential securitySchemes: bearerAuth: type: http scheme: bearer description: | Session JWT (from register/login) or API key (`pk_...`). `X-API-Key: ` is accepted as an alternative header. ````