Multi-currency
Every investor is provisioned with wallets for multiple currencies (USD, NGN, KES, and others). Which wallet a trade or transfer uses depends on the currency you specify. USD, NGN, and KES wallets are created automatically when the investor is created.
How money flows
- Deposit — money enters the wallet from a linked bank account.
- Buy order — funds are held, then debited when the order fills.
- Sell order — proceeds credit back to the wallet.
- Withdrawal — money leaves the wallet to the user’s bank account.
Holds
When an order is placed, Bluum reserves the needed funds with a hold so the same cash cannot be spent twice. The hold is released if the order is canceled, or captured (debited) when it fills.Balance fields
| Field | Description |
|---|---|
balance | Total balance (available + reserved) |
available_balance | Free to trade or withdraw |
reserved_balance | Held by active orders |
balance = available_balance + reserved_balance
Transactions
Each wallet operation writes a transaction row (deposit, withdrawal, buy, sell, fee). List them per investor to reconcile cash movement.
To create deposits and check balances step by step, see the journey guide:
Fund a wallet. Wallet and transaction
schemas are in the API reference.