> ## 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. # Account statement > The consolidated statement: JSON for your web, downloadable PDF and Excel, ready for your accountant export const EnvUrls = ({lang = "en"}) => { const T = { en: { test: "Test", live: "Live", hint: "Same API on both environments — build against test first, then go live by swapping the base URL and the key.", guide: "Environments and testing", href: "/en/environment-testing" }, es: { test: "Test", live: "Live", hint: "La misma API en ambos ambientes — construye primero contra test y pasa a live cambiando la URL base y la key.", guide: "Entorno y pruebas", href: "/es/environment-testing" }, zh: { test: "Test", live: "Live", hint: "两个环境的 API 完全一致——先在 test 环境构建，再通过切换基础 URL 和密钥上线。", guide: "环境与测试", href: "/zh/environment-testing" } }; const t = T[lang] || T.en; const row = (label, url, keyPattern, badgeCls) =>
{label} {url} · {keyPattern}
; return
{row(t.test, "https://cryptobank.qbank.cl/platform", "pk_test_...", "bg-amber-100 text-amber-800 dark:bg-amber-900/40 dark:text-amber-300")} {row(t.live, "https://api.qbank.cl/platform", "pk_...", "bg-emerald-100 text-emerald-800 dark:bg-emerald-900/40 dark:text-emerald-300")}

{t.hint} {t.guide} →

; }; 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` | ```mermaid theme={"theme":{"light":"github-light","dark":"github-dark"}} flowchart LR ledger["Immutable ledger
(every movement with balance_after)"] --> build["Statement assembly
summary + breakdowns + detail"] build --> json["JSON
(web view)"] build --> pdf["Branded PDF
(download)"] build --> xlsx["Multi-sheet Excel
(download)"] build --> check{"Reconciliation:
opening + inflows − outflows
= closing"} ``` ## Requesting the statement ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} # 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 " # 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 " # 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 " ``` * `from` / `to`: `YYYY-MM-DD` dates, inclusive, in your organization timezone. Maximum range: 400 days. * The response field `period.timezone` contains the real IANA timezone of the organization (for example `America/New_York`), not a constant UTC label. * `lang=en|es|zh`: language of the PDF/Excel (default `en`). Also `Content-Language`. * Files arrive with `Content-Disposition: attachment`. The basename follows the locale (`statement_…` / `cartola_…` / `对账单_…`). ## What it contains ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "account": { "account_id": "…", "display_name": "Example Company SpA", "type": "company" }, "period": { "from": "2026-01-01", "to": "2026-07-07", "timezone": "America/New_York" }, "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 }, "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", "bank_reference": "00761123456" } ], "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, } ], "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", "asset": "USDT", "amount": "-0.500000", "balance_after": "98.500000" } ], } ``` Sections: 1. **`summary`** — opening balance, inflows, outflows, closing balance, fees by service and the `balanced` flag of the **USDT balance** (the main summary always reconciles USDT). 2. **`assets`** — one reconciled section per non-USDT balance with activity or balance (USD, USDC, BTC, GOLD, SILVER, PLATINUM, BOB, MXN, ARS and, if you use Banking, the `BANK_USD`/`BANK_EUR` mirrors of your bank accounts): opening/closing balance, inflows, outflows and its own `balanced` flag, in each currency's precision, WITHOUT raw detail in the client view; the raw per-asset detail lives only in the org-admin statement. Empty if you only operate USDT. 3. **`breakdown`** — by product, by country (payouts and payins with local amount and USDT), by fiat currency and by month. 4. **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). 5. **Product sections and audit trail** — the client statement omits the raw ledger `movements` and per-asset `assets[].movements`; it also omits `summary.counts.movements`. Reconcile by product section, using `balance_after` on charges and crypto deposits. For deep audit, use the org-admin statement or `GET /v1/movements`. **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 and cards) are always fixed-amount charges, include the charged `asset` (USDT for the USDT-only fee summary), and carry `fee_model: "fixed"` — the PDF/Excel labels them **Fixed Com**. ## How to reconcile it (for your accountant) The statement satisfies exact accounting identities, without rounding: ```text theme={"theme":{"light":"github-light","dark":"github-dark"}} opening_balance + total_in − total_out = closing_balance ``` * `balanced: true` confirms the identity against the ledger for the USDT summary and independently for every `assets` section. Balances from different assets are never added together. * Each product section is reconciled using its own amounts and statuses. Charges and crypto deposits include `balance_after`, so you can verify their effect on the relevant balance without relying on a raw ledger dump. * The client statement intentionally omits the raw USDT ledger `movements`, `assets[].movements`, and `summary.counts.movements`. For deep audit, an org admin can use the administrator statement or `GET /v1/movements`, the paginated ledger view. * The closing balance of one period matches the opening balance of the next. * The `from`/`to` range is interpreted in the organization's timezone (`period.timezone`), but each operation's detail timestamps are in UTC (JSON in RFC3339 with `Z`; Date (UTC) columns in PDF/Excel). * Fees are never hidden: each operation exposes gross, fee and net separately, while `fees_by_service` remains USDT-only by design. * XLSX sheet names follow the requested `lang` (`en`, `es` or `zh`), including Crypto, Segregated, Cards, Swaps, Banking and Margins when those sections are present. * The Excel **Payouts** sheet carries a **Bank ref** column (right after the reference/concept column) with the transaction id assigned by the destination bank once it confirms the payment. The statement PDF omits it on purpose (table density) — the individual payout receipt does show it. ## For the administrator (org admin) The CBPay team can generate any of its accounts' statements: ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} 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: " ``` 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) | ## FAQ On demand — every request builds it live from the ledger for the `from`/`to` range you pass (both required, `YYYY-MM-DD`, organization timezone). Each asset reconciles independently: `opening + credits − debits = closing` for USDT, USD, USDC, BTC, GOLD, SILVER, PLATINUM, BOB, MXN, ARS and the banking mirrors. If any asset does not balance the flag is `false` — report it to your CBPay team. They mirror your banking money inside the statement so the account reconstructs completely. The authoritative balance is always the bank's (`GET /v1/banking/accounts/{id}/balance`); these mirrors are never spendable. JSON (integration), PDF and XLSX — both branded with your organization's identity. Use the `format` parameter of the endpoint (`format=json|pdf|xlsx`). Standalone service charges (verifications, screenings, wallet services) are fixed-only fees, labeled "Fixed Com" in the statement — as opposed to percent+fixed transactional fees. Yes — every operation has a [receipt](/en/guides/receipts) with a public verification code; anyone can validate it without authentication. ## Disputes in the statement The account statement includes `disputes[]` when a case was created in the period. Each item contains `created_at`, `dispute_id`, `kind`, `status`, `disputed_usdt`, `held_usdt`, optional `case_number` and `deadline_at`. The preventive hold is represented once; the provider chargeback is the separate financial debit. ## Asset-aware payin rows Payin rows include `credit_asset` and optional `fiat_credited`; refund rows include `debited_asset` and `debited_amount`. JSON, PDF and XLSX preserve the real asset precision and keep the USDT equivalent separate. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.