> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bluumfinance.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallets

> Cash balances, holds, and multi-currency support.

A **wallet** holds the cash balance for an investor. Deposits flow in, buy orders debit it, sell proceeds credit it, and withdrawals send funds back out. Always read balances through the wallet endpoints — never assume a single number.

## 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

<Frame>
  <img src="https://mintcdn.com/bluumfinance/L5Dm3BN-WAZqlyQf/images/diagrams/money-flow.svg?fit=max&auto=format&n=L5Dm3BN-WAZqlyQf&q=85&s=ccc3caf8c74a519fa41ae00264fcead8" alt="Money flow through a wallet" width="1200" height="360" data-path="images/diagrams/money-flow.svg" />
</Frame>

1. **Deposit** — money enters the wallet from a linked bank account.
2. **Buy order** — funds are held, then debited when the order fills.
3. **Sell order** — proceeds credit back to the wallet.
4. **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.

<Note>
  To create deposits and check balances step by step, see the journey guide:
  [Fund a wallet](/get-started/journey/fund-wallet). Wallet and transaction
  schemas are in the [API reference](/api-reference/introduction).
</Note>