# Digital Twin — Ledger Model

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.

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