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

# Overview

A **spend account** is a cash balance account inside Fluz that a user uses to hold, organize, and track funds. Each account has its own nickname, so a user can separate spending by purpose — for example "Team Travel," "Operations Wallet," or "Marketing Budget" — and every account keeps its own running balances.

Spend accounts are the wallet that everything else draws from: they hold the funds used to purchase gift cards, fund virtual card transactions, and receive deposits and transfers.

<Note>
  **"Spend account" and "cash balance account" are the same thing.**

  In the API, a spend account is represented by the `UserCashBalance` type, and the operations are named `...UserCashBalance` (e.g., `createUserCashBalance`). This page uses "spend account" throughout.
</Note>

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## Balances

Every spend account tracks three balances, all returned as strings:

| Balance       | Field                  | Description                                                        |
| ------------- | ---------------------- | ------------------------------------------------------------------ |
| **Total**     | `totalCashBalance`     | The full balance currently held in the account.                    |
| **Available** | `availableCashBalance` | The portion available to spend immediately.                        |
| **Lifetime**  | `lifetimeCashBalance`  | The cumulative total of all funds ever deposited into the account. |

A user can hold **multiple** spend accounts, and one is flagged as the **default** (`isDefault: true`).

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## What You Can Do

| Action                                                    | Query / Mutation                                 | Scope            | Description                                                                           |
| --------------------------------------------------------- | ------------------------------------------------ | ---------------- | ------------------------------------------------------------------------------------- |
| [Create a spend account](/features/create-spend-accounts) | `createUserCashBalance`                          | `MANAGE_PAYMENT` | Open a new spend account with a custom nickname.                                      |
| [Get spend accounts](/features/get-spend-accounts)        | `getUserCashBalances` · `getUserCashBalanceById` | `LIST_PAYMENT`   | List all spend accounts (with filtering and pagination) or fetch one by ID.           |
| [Edit a spend account](/features/edit-spend-accounts)     | `updateUserCashBalance`                          | `MANAGE_PAYMENT` | Rename a spend account (nickname, 2–100 characters).                                  |
| [Close a spend account](/features/close-spend-accounts)   | `closeUserCashBalance`                           | `MANAGE_PAYMENT` | Close an account, move its remaining balance, and handle any dependent virtual cards. |

***

## Account Lifecycle

A spend account moves through a small set of statuses (`UserCashBalanceStatus`): typically `ACTIVE`, and `CLOSED` once closed.

Closing an account is more than a status change. When you close a spend account with a remaining available balance, that balance must be moved to another spend account. If any virtual cards are funded by the account being closed, you must either reassign them to a new funding source or lock them as part of the same request.

<Note>
  **Closing an account requires you to resolve its balance and dependent cards.**

  If the account still holds an available balance, provide `transferUserCashBalanceId` to move it. If virtual cards are tied to the account, provide either `newFundingSource` to reassign them or `lockAllVirtualCards` to lock them. See [Close Spend Accounts](/features/close-spend-accounts) for the full input reference.
</Note>

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## How Spend Accounts Fit In

Spend accounts sit at the center of a user's wallet:

* **Fund them** with [Deposit Funds](/features/deposit-from-external-accounts) or move money between them with [Transfer Funds Internally](/features/transfer-between-spend-accounts).
* **Spend from them** on [gift cards](/purchase-gift-card) and [virtual cards](/features/virtual-cards).
* **Check balances** anytime with [Check Account Balance](/check-account-balance) or the spend account queries above.

***

## Requirements

Listing spend accounts requires the `LIST_PAYMENT` scope. Creating, editing, and closing spend accounts require the `MANAGE_PAYMENT` scope. Make sure your user access token carries the correct scope before calling these operations.

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**Want to learn more?** Speak with our experts for more info or to request a demo.