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Accounts form the financial backbone of Paygentic’s billing infrastructure. Each organization maintains at least one account that handles fund custody, instant settlements, and payment routing.

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Architecture

Every account operates as an isolated ledger with atomic balance operations. Transactions between accounts execute synchronously, guaranteeing immediate finality without reconciliation delays. Key properties:
  • Single currency denomination (USD currently)
  • Real-time settlement between parties

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Transaction Flow

The system implements a dual-entry accounting model where every debit has a corresponding credit:
  1. Funding - External money enters through payment processors into consumer accounts
  2. Consumption - Usage triggers instant transfers from consumer to merchant accounts
  3. Settlement - Merchants withdraw accumulated balances to external banks
This closed-loop design eliminates counterparty risk and payment latency.

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Precision Handling

Atomic unit denomination enables micropayment economics previously impossible with traditional systems. Practical implications:
  • Charge fractions of pennies for token processing
  • No rounding errors in high-volume transactions
  • Exact cost attribution for microscopic resource consumption
For example, billing $0.0000001 per database query becomes viable at scale.

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Payment Abstraction

Accounts decouple payment sources from consumption. Merchants receive funds regardless of how consumers originally paid - credit cards, ACH transfers, crypto, or corporate invoicing. This abstraction provides:
  • Geographic payment method flexibility
  • Compliance boundary isolation
  • Reduced PCI scope for merchants
  • Unified reconciliation regardless of payment type

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Balance Management

Account balances enforce hard spending limits naturally. Consumption cannot exceed available funds, preventing:
  • Debt accumulation
  • Invoice disputes
  • Collection overhead
  • Credit risk exposure
The system rejects transactions that would create negative balances, maintaining financial integrity throughout.

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Instant Settlements

Traditional billing involves days or weeks between service delivery and payment. Account-based transactions settle in milliseconds. Benefits:
  • Cash flow acceleration for merchants
  • No accounts receivable management
  • Eliminated chargeback windows for consumed services
  • Real-time revenue recognition

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Multi-Party Transactions

Accounts support complex fund flows beyond simple bilateral transfers:
  • Revenue splits - Automatic distribution to multiple recipients
  • Platform fees - Percentage deductions during transfers
  • Tax withholding - Regulatory compliance deductions
  • Affiliate commissions - Programmatic partner payouts
Each component processes atomically within the same transaction.

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Fund Withdrawal

Merchants extract accumulated account balances through payout operations: Prerequisites:
  • Completed KYC verification
  • Linked external bank account
  • Minimum balance thresholds
Processing:
  • Batch aggregation for efficiency
  • Bank network timing dependencies (1-3 business days)
  • Audit trail generation

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Future Enhancements

Multi-currency support - Local currency accounts eliminating FX friction Hierarchical accounts - Team budgets and departmental allocations Programmable controls - Spending policies and automated rebalancing Interest accrual - Yield generation on idle balances

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Technical Integration

Accounts integrate transparently with existing billing flows. No special handling required beyond standard usage reporting. The platform manages all underlying fund movements automatically.

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Next Steps