> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> What a Saber Pool Account is, its purpose, and how to fetch pool wallet details and balance.

A Pool Account is a merchant-level stablecoin wallet held with Saber, separate from any individual user's wallet. It acts as a shared liquidity source (or destination) that your transactions can draw from or settle into, instead of every transaction being tied to a single user's own wallet.

```mermaid theme={null}
flowchart LR
  U1[User A pay-in] --> P((Pool Wallet))
  U2[User B pay-in] --> P
  U3[User C pay-in] --> P
  P --> D1[Payout to User X]
  P --> D2[Payout to User Y]
  P --> D3[Payout to User Z]
```

## Purpose

Pool Accounts exist to simplify liquidity management at scale:

<CardGroup cols={1}>
  <Card title="Sell side (Offramp)" icon="arrow-up-from-line">
    Instead of pre-funding each individual user's wallet with crypto before every payout, a **Pool Sell** transaction deducts stablecoin directly from your Pool Account balance and pays the user out in fiat.
  </Card>

  <Card title="Buy side (Onramp)" icon="arrow-down-to-line">
    Instead of sending every converted stablecoin amount to an external wallet, a **Pool Buy** transaction deposits the converted stablecoin into your Pool Account, where it accumulates as usable liquidity.
  </Card>

  <Card title="Across flows" icon="arrows-rotate">
    A single Pool Account can fund offramp payouts and receive onramp proceeds, letting you net fiat collected on one side against fiat paid out on the other, settling the difference in stablecoin rather than moving fiat directly.
  </Card>
</CardGroup>

<Info>
  A Pool Account is provisioned per merchant on request — reach out to your Saber account contact to have one set up.
</Info>

## Fetching wallet details and balance

To check what's available in your Pool Account, fetch the pool wallet's balance and deposit address:

<Tabs>
  <Tab title="Balance">
    ```http theme={null}
    GET /api/v1/wallet/balance?account=SPOT&symbol=USDT
    ```

    ```json theme={null}
    {
      "success": true,
      "data": {
        "coin_info": {
          "USDT": {
            "coin": "USDT",
            "name": "TetherUS",
            "available_balance": 76.7,
            "available_balance_usd": 76.7,
            "total_balance": 76.7,
            "total_balance_usd": 76.7,
            "withdraw_enable": true,
            "deposit_enable": true
          }
        },
        "available_balance": 76.7,
        "total_balance": 76.7
      }
    }
    ```
  </Tab>

  <Tab title="Deposit Address">
    ```http theme={null}
    GET /api/v1/wallet/user_deposit_address?symbol=USDT&network=BSC
    ```

    ```json theme={null}
    {
      "success": true,
      "data": [
        {
          "coin": "USDT",
          "network": "BSC",
          "name": "Binance Smart Chain (BEP20)",
          "address": "0xc37e9cbe6e1d481d9372585e1b91cb387853d352",
          "tag": "",
          "url": "https://bscscan.com/address/0xc37e9cbe6e1d481d9372585e1b91cb387853d352",
          "batchReleaseLimit": 0
        }
      ]
    }
    ```

    The deposit address is where you send stablecoin to top up the Pool Account manually (outside of onramp proceeds).
  </Tab>
</Tabs>

## Related pages

<CardGroup cols={2}>
  <Card title="Available Transaction Flows" icon="arrow-right-arrow-left" href="/client/pool-account/available-flows" cta="View guide" arrow="true" />

  <Card title="Supported Networks" icon="globe" href="/client/pool-account/supported-networks" cta="View guide" arrow="true" />

  <Card title="Offramp Fund Management" icon="arrow-up-from-line" href="/offramp/operations/fund-management" cta="View guide" arrow="true" />

  <Card title="Onramp Fund Management" icon="arrow-down-to-line" href="/onramp/operations/fund-management" cta="View guide" arrow="true" />
</CardGroup>


## Related topics

- [Overview](/offramp/overview.md)