# Accounts & balances

Funding vs trading balances, holds, subaccounts, policies, and transfer history.

## Funding vs trading

Ledger balances have separate **funding** and **trading** buckets per asset.

- An external deposit can stop in **funding** or continue to **trading**, depending on its route
- Spot orders spend **trading**
- Move funding → trading on-chain (or via the Polyester UI), not through a ConnectRPC balance call

Balance component fields are scaled integer strings. Format with `codecs.FormatLedgerU128`.

```go
import "github.com/Fabric-Labs/polyester-sdk-go/codecs"

balances, err := client.Balances.List(ctx, nil, nil)
if err != nil { log.Fatal(err) }
for _, b := range balances.Balances {
    funding, err := codecs.FormatLedgerU128(b.Funding, codecs.LedgerScale)
    if err != nil { log.Fatal(err) }
    trading, err := codecs.FormatLedgerU128(b.Trading, codecs.LedgerScale)
    if err != nil { log.Fatal(err) }
    available, err := codecs.FormatLedgerU128(b.Available, codecs.LedgerScale)
    if err != nil { log.Fatal(err) }
    fmt.Println(b.AssetID, funding, trading, available)
}
```

Also: balance/equity history, holds, and `Balances.Subscribe` (`Messages()`). See [Balances](https://testnet.polyester.com/docs/sdk/go/reference/balances).

## Account scope

Pass an `AccountScope` / `subAccountID`, or set `DefaultSubAccountID` / `DefaultAccountID` on `Config`. Private streams need Account ID.

## Subaccounts & policies

The Go SDK exposes subaccount **reads** plus private subaccount streams. `client.Policies` is subscribe-only. Create/update/delete and membership or policy administration require the Polyester app/TypeScript session client.

A subaccount-scoped API key also needs its own attached API-key policy. Permit ledger reads for balance reads/streams and add the required trading actions for mutations. The API-key policy and subaccount policy are distinct and both constrain the request.

## Profile & API keys

`client.Auth` and `client.APIKeys` cover identity and key metadata. Unary reads work with an API key; the private administration stream requires its API-key administration permission. **Creating** keys is JWT/session-only.

## Transfer history

`client.Transfers` lists transfer history. Mutations: [Deposits & withdrawals](https://testnet.polyester.com/docs/sdk/go/guides/deposits-and-withdrawals).

> **Private realtime**
>
> Use `Messages()`. Go has no `Recv()`. See [Streaming](https://testnet.polyester.com/docs/sdk/go/guides/streaming).