Account statement

The statement consolidates every movement of an account in a period — payouts, payins, crypto deposits and withdrawals, internal transfers, card purchases, balance conversions, banking operations and service charges — into one auditable document. A single endpoint serves it in three formats:

Format	What for	How to request it
`json` (default)	Rendering the statement in your web/app	`format=json`
`pdf`	Formal document with CBPay branding	`format=pdf`
`xlsx`	Excel with per-section sheets, filters and numeric cells	`format=xlsx`

Requesting the statement

# JSON for your front end
curl "https://api.qbank.cl/platform/v1/reports/statement?from=2026-01-01&to=2026-07-07" \
  -H "Authorization: Bearer <token>"

# Downloadable PDF (CBPay branding)
curl -OJ "https://api.qbank.cl/platform/v1/reports/statement?from=2026-01-01&to=2026-07-07&format=pdf" \
  -H "Authorization: Bearer <token>"

# Downloadable Excel
curl -OJ "https://api.qbank.cl/platform/v1/reports/statement?from=2026-01-01&to=2026-07-07&format=xlsx" \
  -H "Authorization: Bearer <token>"

from / to: YYYY-MM-DD dates, inclusive, in UTC. Maximum range: 400 days.
lang=es|en: language of the PDF/Excel (default es).
Files arrive with Content-Disposition: attachment and the name cartola_cbpay_<account>_<from>_<to>.pdf/.xlsx.

What it contains

{
  "account": { "account_id": "…", "display_name": "Example Company SpA", "type": "company" },
  "period": { "from": "2026-01-01", "to": "2026-07-07", "timezone": "UTC" },
  "generated_at": "2026-07-07T15:00:00Z",
  "summary": {
    "opening_balance": "0.000000",
    "total_in": "985633.540000",
    "total_out": "38099.870000",
    "net_change": "947533.670000",
    "closing_balance": "947533.670000",
    "balanced": true,
    "counts": { "payouts": 51, "payins": 12, "crypto_deposits": 18, "transfers": 4, "movements": 771 },
    "fees_by_service": { "payout": "15.300000", "funding": "897.550000" },
    "total_fees": "912.850000"
  },
  "breakdown": {
    "by_product": [ { "product": "payouts", "count": 51, "usdt_in": "0.000000", "usdt_out": "38099.870000", "fees": "15.300000" } ],
    "by_country": [ { "flow": "payouts", "country": "BO", "currency": "BOB", "count": 14, "local_amount": "28748.58", "usdt_amount": "2902.210000" } ],
    "by_currency": [ { "currency": "BOB", "payout_local": "28748.58", "payin_local": "700.00" } ],
    "by_month": [ { "month": "2026-01", "usdt_in": "985633.540000", "usdt_out": "35100.000000" } ]
  },
  "payouts": [ { "created_at": "…", "payout_id": "…", "country": "BO", "beneficiary": "Juan Quispe", "local_amount": "90.00", "fx_rate": "6.91", "usdt_amount": "13.024600", "fee": "0.300000", "fee_percent": "0.200000", "fee_fixed": "0.100000", "total_debit": "13.324600", "status": "completed" } ],
  "payins": [ { "…": "…" } ],
  "card_transactions": [ { "created_at": "…", "transaction_id": "…", "card_id": "…", "kind": "purchase", "merchant": "AMAZON.COM", "amount_usd": "25.00", "spend_asset": "USDT", "spend_amount": "25.000000", "status": "settled" } ],
  "swaps": [ { "created_at": "…", "swap_id": "…", "from_asset": "USDT", "to_asset": "BTC", "from_amount": "10.000000", "to_amount": "0.00015433", "rate": "0.00001543", "status": "completed" } ],
  "banking_operations": [ { "created_at": "…", "operation_id": "…", "direction": "out", "type": "wire", "currency": "USD", "amount": "150.00", "counterparty": "Acme Inc", "status": "completed" } ],
  "assets": [
    {
      "asset": "GOLD",
      "opening_balance": "0.000000",
      "total_in": "12.500000",
      "total_out": "2.000000",
      "net_change": "10.500000",
      "closing_balance": "10.500000",
      "balanced": true,
      "movements": [ { "type": "adjustment", "amount": "12.500000", "balance_after": "12.500000", "created_at": "…" } ]
    }
  ],
  "crypto_deposits": [ { "chain": "tron", "asset": "USDT", "tx_id": "…", "usdt_gross": "100.000000", "fee": "1.000000", "usdt_credited": "99.000000", "balance_after": "99.000000" } ],
  "crypto_withdrawals": [ { "…": "…" } ],
  "transfers": [ { "direction": "sent", "counterparty": "Ana Perez", "asset": "USDT", "amount": "25.000000" } ],
  "service_charges": [ { "type": "banking_fee", "service": "banking_customer", "fee_model": "fixed", "amount": "-0.500000", "balance_after": "98.500000" } ],
  "movements": [ { "type": "funding", "amount": "99.000000", "balance_after": "99.000000", "created_at": "…" } ]
}

Sections:

summary — opening balance, inflows, outflows, closing balance, fees by service and the balanced flag of the USDT balance (the operating currency).
assets — one reconciled section per non-USDT balance with activity or balance (USDC, BTC, GOLD and, if you use Banking, the BANK_USD/BANK_EUR mirrors of your bank accounts): opening/closing balance, inflows, outflows, its own balanced flag and its movements, in each currency’s precision. Empty if you only operate USDT.
breakdown — by product, by country (payouts and payins with local amount and USDT), by fiat currency and by month.
Per-product detail — payouts (beneficiary, rate and debit), payins (per mode), crypto (with tx_id and its asset), transfers (with counterparty and asset), card purchases (card_transactions, with merchant and spending balance), balance conversions (swaps), banking operations (banking_operations) and service charges (with refunds).
movements — the raw USDT ledger: every movement with its balance_after. This is the section an auditor uses to tie everything out (other currencies’ movements live inside their assets section).

Transparent fees. On payouts, payins and crypto withdrawals, when the fee combines a percentage and a fixed component, the statement splits them into fee_percent and fee_fixed (they add up exactly to fee). Standalone charges (compliance, wallets, banking, verifications, cards) are always fixed-amount and carry fee_model: "fixed" — the PDF/Excel labels them Fixed Com. Historical operations predating this field only show the combined fee.

How to reconcile it (for your accountant)

The statement satisfies an exact accounting identity, with no rounding:

opening_balance + total_in − total_out = closing_balance

balanced: true confirms the identity holds against the ledger — both on the USDT summary and inside each assets section (every currency reconciles separately; amounts of different currencies are never summed).
Every movements row carries the resulting balance (balance_after): you can follow the balance line by line from opening to closing.
The closing balance of one period matches the opening of the next.
Fees are never hidden inside amounts: every operation shows gross, fee and net separately, and fees_by_service totals them.
In the Excel file, the Movements sheet uses real numeric cells: you can sum/pivot without cleaning anything.

For the administrator (org admin)

The CBPay team can generate any of its accounts’ statements:

curl "https://api.qbank.cl/platform/v1/accounts/{accountID}/reports/statement?from=2026-01-01&to=2026-07-07&format=pdf" \
  -H "X-API-Key: <pk_org_admin>"

The administrator view also includes additional operational information for the period (detailed in the administration documentation).

Errors

HTTP	`error`	Cause
400	`invalid_range`	Missing/invalid dates, `to` before `from`, or range over 400 days
400	`invalid_format`	`format` other than `json`, `pdf`, `xlsx`
404	`not_found`	The account does not exist (org admin only)

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Account statement

Requesting the statement

What it contains

How to reconcile it (for your accountant)

For the administrator (org admin)

Errors

​Requesting the statement

​What it contains

​How to reconcile it (for your accountant)

​For the administrator (org admin)

​Errors

Requesting the statement

What it contains

How to reconcile it (for your accountant)

For the administrator (org admin)

Errors