Ledger model
Multi-asset and multi-balance
Digital Twin is multi-asset: each asset or currency lives in its own account — different assets are never mixed in one account. And it is multi-balance: within an account, the same asset can be split across several balances. Each transaction code determines which balance is affected.
Practically any position a customer holds at the bank can be tracked by Digital Twin: fiat currencies (USD, CAD, BRL), crypto (USDC, USDT, BTC, ETH), loyalty points, mutual-fund shares, quantity of stocks, bonds, CDs, and so on.
Multi-asset — one account per asset
ACC-USD-001
USD
fiat currency
ACC-USDC-001
USDC
stablecoin
ACC-FUND-001
Fund shares
quantity of shares
Multi-balance — balances within an account
Account ACC-USDC-001 · asset USDC
The same asset, split into balances by state.
Available1,250.00
Frozen (OFAC)500.00
Asset total1,750.00
Account ACC-USD-001 · asset USD
Deposited check awaiting clearing.
Available4,820.10
Held / blocked300.00
Asset total5,120.10
Sequence — check deposit of 5,000 (account ACC-USD-001)
Three transaction codes over time. The asset total never changes — the amount only migrates from Blocked to Available.
TC-301 · Check deposit
Blocked+ 5,000.00
Amount enters as blocked, awaiting check-clearing confirmation.
TC-302 · Courtesy release (10%)
Blocked− 500.00
Available+ 500.00
10% of 5,000 released immediately as a courtesy to the client.
TC-303 · Release after 48h
Blocked− 4,500.00
Available+ 4,500.00
After 48 hours the remaining 4,500 is released. Blocked = 0; Available = 5,000.
A just-received credit from a sanctioned blockchain address is moved into the frozen balance — same asset, same account, different balance.
Available− 500.00
Frozen+ 500.00
The asset total is unchanged — the amount only moves between balances. The transaction code defines which balances are affected and in which direction.
Principle: balances are never computed at read time. Each transaction is applied and recorded immutably, so a balance is always the deterministic sum of the journal.