> ## 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 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 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___.pdf/.xlsx`. ## 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": "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: 1. **`summary`** — opening balance, inflows, outflows, closing balance, fees by service and the `balanced` flag of the **USDT balance** (the operating currency). 2. **`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. 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. **`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: ```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) |