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A cash pool is a collection of payment accounts from one or more payment service providers that you want to manage as a single unit. Cash pools aggregate balances across multiple accounts, providing a unified view of your funds for financial reporting, treasury management, and reconciliation.

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Why cash pools?

When managing funds across multiple financial institutions, you often need to view and analyze balances from different accounts together. For example, you might have:
  • A Stripe account for card payments
  • A PayPal account for alternative payments
  • A bank account for direct transfers
Rather than querying each account individually, cash pools let you:
  • View aggregated balances across all accounts in real-time
  • Track historical balances at specific points in time
  • Simplify financial reporting with consolidated balance views
  • Enable reconciliation against your internal ledger
  • Monitor liquidity across multiple financial institutions

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Pool structure

A cash pool contains:
  • ID: Unique UUID identifier
  • Name: Human-readable name (must be unique)
  • Created at: Timestamp when the pool was created
  • Pool accounts: Array of account IDs included in the pool

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Creating a cash pool

Cash pools are created via the Payments API with a name and array of account IDs: 
{
  "name": "string (required)",
  "accountIDs": ["array of account ID strings (min 1 required)"]
}

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Using cash pools

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Balance queries

Pool balance endpoints aggregate balances from all accounts in the pool by asset: 
# Get latest aggregated balances
GET /pools/{poolId}/balances/latest

# Get historical balances at specific timestamp (must be in past)
GET /pools/{poolId}/balances?at=2024-01-15T23:59:59Z
Balance aggregation logic:
  1. Fetches balances from all accounts in the pool
  2. Groups by asset/currency
  3. Sums amounts for each asset
  4. Returns array of aggregated balances

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Reconciliation policies

Cash pool IDs are used in the paymentsPoolID field of reconciliation policies: 
{
  "name": "string",
  "ledgerName": "string", 
  "ledgerQuery": "object",
  "paymentsPoolID": "uuid-string"
}
The reconciliation service compares ledger account balances against the aggregated cash pool balances. See Getting Started with Reconciliation for a complete workflow.
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