Manage Accounts

Retrieve account details and balance information for the authenticated user

New to how accounts work on Gnosis Pay? Read Account Overview first — it covers the concepts behind account balances, spending limits, and multi-currency support. This guide covers the API calls to retrieve that data.

Account details for authenticated user

To get authenticated user account details, call GET /user/account.

Sandbox

curl --request GET \
  --url https://core.sandbox.gnosispay.in/user-api/user/account

Production

curl --request GET \
  --url https://core.prod.gnosispay.com/user-api/user/account

This will return configuration of the user’s account, including chain name, configured currencies, Safe owner address, etc.

Account balances for authenticated user

Account balances endpoint provides detailed balance breakdowns to give users complete visibility into their fund status. The authenticated user’s account displays four distinct balance types:

Balance Type	Description	Increases When	Decreases When
Spendable	Amount available for immediate spending via card transactions or withdrawals	• Deposits clear AML analysis • Refunds are processed • Returns of goods are credited	• Card transactions are authorized • Withdrawals are initiated
Non-Spendable	Funds that cannot be used for spending. Flagged for review or potential return	• Dependent on AML checks	• Funds are returned to source • Funds are manually released after review
Processing Deposits	Incoming deposits currently undergoing AML analysis. Not yet available for spending	• New deposit is received	• AML analysis completes (moves to spendable or non-spendable)
Processing Withdrawals	Outgoing withdrawals currently being processed. Deducted from spendable but not yet settled on-chain	• Withdrawal is initiated	• Withdrawal settles on-chain

Get Account Balances

To request the account balance of the user, call GET /user/balances/v2.

Sandbox

curl --request GET \
  --url https://core.sandbox.gnosispay.in/user-api/user/balances/v2

Production

curl --request GET \
  --url https://core.prod.gnosispay.com/user-api/user/balances/v2

Each currency maintains its own separate balance states. For example, USDC and USDT will each have their own spendable, non-spendable, processing deposits, and processing withdrawals amounts.