> ## 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.

# Move Money Through a Wallet

> The full ledger lifecycle — create a spend account, deposit into it, transfer between accounts, withdraw back out, and verify every balance.

This Quickstart runs money through the complete wallet lifecycle: open a purpose-built spend account, fund it, move funds between accounts, send them back out to an external account, and verify the ledger at each step — the plumbing under every card and purchase flow.

<Info>
  **Prerequisites**

  * A **Fluz account with a staging application** — Steps 1–2 of any quickstart, or see [Prepare your accounts](/get-started/prepare-accounts) and [API credentials](/get-started/api-credentials).
  * A linked **test bank account** for the deposit and withdrawal legs — your sandbox ships with test funding sources, or add more from [Test Bank Accounts](/test-bank-accounts).
  * Every money-moving mutation needs a unique `idempotencyKey` — see [Idempotency](/concepts/idempotency).
</Info>

## The full flow

<Steps>
  <Step title="Mint a token with the four wallet scopes" icon="key">
    This flow touches four scopes — one per capability:

    ```json theme={null}
        {
          "scopes": ["MANAGE_PAYMENT", "LIST_PAYMENT", "MAKE_INTERNAL_TRANSFER", "MAKE_WITHDRAWAL"]
        }
    ```

    `MANAGE_PAYMENT` creates accounts and deposits, `LIST_PAYMENT` reads them, `MAKE_INTERNAL_TRANSFER` moves funds between your accounts, and `MAKE_WITHDRAWAL` sends funds out. Minting details: [API credentials](/get-started/api-credentials).
  </Step>

  <Step title="Create a spend account" icon="wallet">
    Spend accounts are named sub-ledgers — "Team Travel", "Operations", "Marketing" — that keep budgets separate while living under one Fluz account.

    <CodeGroup>
      ```graphql Mutation theme={null}
          mutation createUserCashBalance($input: CreateUserCashBalanceInput!) {
            createUserCashBalance(input: $input) {
              userCashBalanceId
              nickname
              availableCashBalance
              status
            }
          }
      ```

      ```json Variables theme={null}
          { "input": { "nickname": "Team Travel" } }
      ```

      ```json Response theme={null}
          {
            "data": {
              "createUserCashBalance": {
                "userCashBalanceId": "f8a3c9e1-7b2d-4f5e-9c8a-1d2e3f4a5b6c",
                "nickname": "Team Travel",
                "availableCashBalance": "0",
                "status": "ACTIVE"
              }
            }
          }
      ```
    </CodeGroup>

    Save the `userCashBalanceId` — every later step addresses the account by it. Your account also has a **default** spend account already; you'll transfer between the two in Step 4.
  </Step>

  <Step title="Deposit into it" icon="banknote-arrow-down">
    Fund the new account from a linked source with `depositCashBalance`, targeting it via `userCashBalanceId`:

    <CodeGroup>
      ```graphql Mutation theme={null}
          mutation depositCashBalance($input: DepositCashBalanceInput!) {
            depositCashBalance(input: $input) {
              cashBalanceDeposits { depositAmount status }
              balances {
                cashBalance { availableBalance totalBalance pendingBalance }
              }
            }
          }
      ```

      ```json Variables theme={null}
          {
            "input": {
              "idempotencyKey": "3c9e1f8a-2b7d-4e5f-8c9a-6b5a4f3e2d1c",
              "amount": 100.00,
              "depositType": "CASH_BALANCE",
              "userCashBalanceId": "<TEAM_TRAVEL_ACCOUNT_ID>",
              "bankAccountId": "<YOUR_TEST_BANK_ACCOUNT_ID>"
            }
          }
      ```
    </CodeGroup>

    Deposits may settle instantly or within 2–5 business days depending on the source; the returned `balances` reflect what's available right now. Funding source IDs come from `getWallet` — see [View Funding Sources](/features/view-funding-sources).
  </Step>

  <Step title="Transfer between your accounts" icon="arrow-left-right">
    Move \$25 from the new account into your default one with `transferInternalBalance`. Internally it's recorded as two linked movements — a withdraw from the source and a deposit into the destination — and the response returns both:

    <CodeGroup>
      ```graphql Mutation theme={null}
          mutation transferInternalBalance($input: TransferInternalBalanceInput!) {
            transferInternalBalance(input: $input) {
              withdraw { withdrawId amount status userCashBalanceId }
              cashBalanceDeposit { cashBalanceDepositId depositAmount status }
            }
          }
      ```

      ```json Variables theme={null}
          {
            "input": {
              "idempotencyKey": "1f1df3e7-5d43-4e3d-83de-31922d4aefb7",
              "amount": 25.00,
              "sourceUserCashBalanceId": "<TEAM_TRAVEL_ACCOUNT_ID>",
              "destinationUserCashBalanceId": "<DEFAULT_ACCOUNT_ID>"
            }
          }
      ```
    </CodeGroup>

    Both IDs must be your own spend accounts, they must differ, and the source needs sufficient available balance. Sending to a **different Fluz user** is a different operation — [Transfer to Another Fluz Account](/features/transfer-to-another-fluz-wallet).
  </Step>

  <Step title="Withdraw back out" icon="banknote-arrow-up">
    Complete the round trip by sending funds to an external account with `withdrawCashBalance` — here via ACH:

    <CodeGroup>
      ```graphql Mutation theme={null}
          mutation withdrawCashBalance($input: WithdrawCashBalanceInput!) {
            withdrawCashBalance(input: $input) {
              withdraws { withdrawId amount status displayStatus withdrawMethod }
            }
          }
      ```

      ```json Variables theme={null}
          {
            "input": {
              "idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
              "amount": 50.00,
              "method": "BANK_ACH",
              "source": "CASH_BALANCE",
              "cashBalanceId": "<TEAM_TRAVEL_ACCOUNT_ID>",
              "bankAccountId": "<YOUR_TEST_BANK_ACCOUNT_ID>"
            }
          }
      ```
    </CodeGroup>

    `method` also accepts `BANK_CARD` (push-to-card, `bankCardId`), `PAYPAL` (`paypalVaultId`), and `VENMO` (`venmoAccountId`) — each requires its matching ID field. ACH typically settles in 1–3 business days, so expect `PENDING` / `PROCESSING` at first. Full reference: [Withdraw to External Account](/features/withdraw-to-external-account).
  </Step>

  <Step title="Verify the ledger" icon="list-checks">
    Close the loop by reading the accounts back with `getUserCashBalances`:

    ```graphql theme={null}
        query {
          getUserCashBalances {
            userCashBalances {
              userCashBalanceId
              nickname
              availableCashBalance
              totalCashBalance
              lifetimeCashBalance
              isDefault
              status
            }
            totalCount
          }
        }
    ```

    You should see the story in the numbers: "Team Travel" with `lifetimeCashBalance` of 100.00 and a reduced available balance (25 transferred out, 50 withdrawing), and your default account up 25.00. `lifetimeCashBalance` only ever grows — it's the audit trail of everything ever deposited.
  </Step>
</Steps>

## You're done 🎉

You've run the complete ledger lifecycle — create, fund, move, pay out, verify. These accounts are the substrate everything else draws on:

<CardGroup cols={2}>
  <Card title="Fund a virtual card from this account" icon="credit-card" href="/quickstart/create-and-spend-with-a-virtual-card">
    Point `userCashBalanceId` at your new account for clean per-budget card spend.
  </Card>

  <Card title="Send funds to another Fluz user" icon="send" href="/features/account-to-account-transfers">
    Look up a recipient and move money wallet-to-wallet.
  </Card>

  <Card title="Manage spend accounts" icon="settings" href="/features/edit-spend-accounts">
    Rename, close, and administer accounts over time.
  </Card>

  <Card title="Transaction activity" icon="receipt" href="/features/get-all-transactions">
    Every movement above, in one filterable feed with memos and categories.
  </Card>
</CardGroup>

<Note>
  **Want to learn more?** Contact us at [support@fluz.app](mailto:support@fluz.app) to speak with our experts or request a demo.
</Note>