Accounts

Merchant account management, balances, ledger transactions, and fund transfers

Account APIs

Manage merchant accounts (WALLET and MARGIN types), query balances, view ledger transactions, and execute fund transfers.

Base URL: POST /api/v2.1/fincard/virtual/account/...

---

Assets (Account Info)

Returns all merchant accounts with balances.

POST /api/v2.1/fincard/virtual/account/info

Request: {} (empty body)

Response data[]:

Field	Type	Description
accountId	String	Account ID
accountName	String	Account name
accountType	String	WALLET or MARGIN
currency	String	Currency (e.g. USD)
totalBalance	BigDecimal	Total balance
availableBalance	BigDecimal	Available balance
frozenBalance	BigDecimal	Frozen balance
digital	Long	Decimal places for display

Example Response

{
  "success": true,
  "code": 200,
  "msg": "Success",
  "data": [
    {
      "accountId": "19847563867367666",
      "accountName": "wallet9023",
      "accountType": "WALLET",
      "currency": "USD",
      "totalBalance": 100,
      "availableBalance": 100,
      "frozenBalance": 0,
      "digital": 2
    }
  ]
}

---

Account List

Paginated list of accounts with optional type filter.

POST /api/v2.1/fincard/virtual/account/list

Request:

Field	Type	Required	Description
accountId	Long	No	Filter by account ID
type	String	No	WALLET or MARGIN
pageNum	Integer	Yes	Page number (default 1)
pageSize	Integer	Yes	Page size (default 10, max 10)

Response data: { total: Long, records: [...] } — records same shape as Account Info.

---

Single Account Query

Query a single account by ID.

POST /api/v2.1/fincard/virtual/account/single/query

Request:

Field	Type	Required	Description
accountId	Long	Yes	Account ID

Response data[]: Same shape as Account Info.

---

Ledger Transactions

Query financial transaction history for an account.

POST /api/v2.1/fincard/virtual/account/transaction

Request:

Field	Type	Required	Description
pageNum	Integer	Yes	Page number (default 1)
pageSize	Integer	Yes	Page size (default 10, max 100)
orderNo	String	No	Filter by transaction ID
accountId	Long	No	Filter by account
bizType	String	No	Transaction type (see below)
startTime	Long	No	Start time (ms). Max 30-day range
endTime	Long	No	End time (ms)

Transaction Types (bizType):

Value	Description
chain_deposit	Wallet chain deposit
chain_withdraw	Wallet chain withdrawal
card_purchase	Card purchase (create fee + deposit)
card_deposit	Card deposit
card_withdraw	Card withdraw
card_cancel	Card cancel
card_auth_fee_patch	Card authorization fee
card_auth_cross_board_patch	Card cross-border fee
gt_transfer	Global transfer
gt_transfer_refund	Global transfer refund
fixed	Adjustment
card_overdraft_statement	Card overdraft bill

Response data: { total, records[] }

Field	Type	Description
txId	Long	Internal transaction ID
accountId	String	Account ID
amount	BigDecimal	Amount
beforeBalance	BigDecimal	Balance before transaction
afterBalance	BigDecimal	Balance after transaction
orderNo	String	Transaction ID
bizType	String	Transaction type
direction	String	IN or OUT
remark	String	Remark
createTime	Long	Millisecond timestamp

Example Response

{
  "success": true,
  "code": 200,
  "msg": "SUCCESS",
  "data": {
    "total": 34,
    "records": [
      {
        "txId": 517581,
        "accountId": "1979009257233215490",
        "currency": "USD",
        "amount": "4.08",
        "beforeBalance": "99327.04375",
        "afterBalance": "99322.96375",
        "orderNo": "C2C_UZS_2025122307584616966",
        "bizType": "gt_transfer",
        "direction": "OUT",
        "remark": "Global transfer",
        "createTime": 1766480100874
      }
    ]
  }
}

---

Create Shared Account

Create a new MARGIN account for shared card mode.

POST /api/v2.1/fincard/virtual/account/create

Request:

Field	Type	Required	Description
accountName	String	Yes	Account name

Response data[]: The created account (same shape as Account Info).

---

Fund Transfer

Transfer or collect funds between accounts.

POST /api/v2.1/fincard/virtual/account/transfer

Request:

Field	Type	Required	Description
type	String	Yes	TRANSFER or COLLECTION
merchantOrderNo	String	Yes	Client transaction ID [20..40]
amount	BigDecimal	Yes	Amount
payerAccountId	Long	Yes	Payer account (typically WALLET)
payeeAccountId	Long	Yes	Payee account (typically MARGIN)
remark	String	No	Remark

Response data: true (boolean)

Use this to fund a MARGIN account before creating shared (BUDGET_CARD) cards linked to it.

---

Wallet Deposit (Deprecated)

Deprecated. Use the Wallet v2 APIs instead.

Create a wallet deposit order. Returns deposit address and amount.

POST /api/v2.1/fincard/virtual/account/walletDeposit

Request:

Field	Type	Required	Description
chain	String	No	TRC20 (default) or BEP20
amount	BigDecimal	Yes	Deposit amount

Response data:

Field	Type	Description
orderNo	String	Transaction ID
userInputDepositAmount	BigDecimal	Input amount
actualDepositAmount	BigDecimal	Actual amount (with decimal adjustment)
currency	String	USDT
chain	String	Network chain
toAddress	String	Wallet deposit address
createTime	Long	Order time (ms)
expireSecond	Long	Validity period (seconds)

---

Wallet Deposit Transactions (Deprecated)

Deprecated. Use the Wallet v2 Transaction History instead.

POST /api/v2.1/fincard/virtual/account/walletDepositTransaction

Paginated query for wallet deposit transactions. Response: { total, records[] }.