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

# Manage Accounts

> Retrieve account details and balance information for the authenticated user

> [!NOTE]
>
> New to how accounts work on Gnosis Pay? Read [Account Overview](https://docs.gnosispay.com/concepts/accounts/account.md) 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`](https://docs.gnosispay.com/api-reference/user-api/user-account/get-account).

> [tab] Sandbox
>
> ```bash theme={null}
> curl --request GET \
>   --url https://core.sandbox.gnosispay.in/user-api/user/account
> ```

> [tab] Production
>
> ```bash theme={null}
> 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`](https://docs.gnosispay.com/api-reference/user-api/user-movements/get-account-balances-v2).

> [tab] Sandbox
>
> ```bash theme={null}
> curl --request GET \
>   --url https://core.sandbox.gnosispay.in/user-api/user/balances/v2
> ```

> [tab] Production
>
> ```bash theme={null}
> curl --request GET \
>   --url https://core.prod.gnosispay.com/user-api/user/balances/v2
> ```

> [!NOTE]
>
> 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.


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