> ## Documentation Index
> Fetch the complete documentation index at: https://gnosispay-feat-v2-auth-module.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# GP Account

> Understanding Gnosis Pay V2 account architecture and modules

Gnosis Pay's on-chain infrastructure is built on top of the Safe protocol, providing a secure and programmable foundation for digital payments. Each user receives a unique Safe account that acts as their on-chain wallet, with additional modules that enable spending limits, time delays, and delegated spending capabilities.

## Architecture Overview

The Gnosis Pay Safe consists of a core Safe account with three main modules:

* **Core Safe Account**: The base Safe wallet that holds funds and processes transactions
* **Delay Module**: Controls transaction timing and provides security delays
* **Roles Module**: Manages spending permissions and allowance limits

## V2 Architecture Changes

Gnosis Pay V2 maintains the same Safe wallet structure with delay and roles modules, but implements key behavioral improvements:

### Instant Withdrawals

Withdrawals from the Gnosis Pay Safe reduce the spendable balance immediately to avoid double spending and then sync with the on-chain balance. During this process, the card is not blocked from operations.

### Multi-Currency Support

The Roles module now supports multi-token configurations so that users can spend different currencies via their spending safe.

## Module Configurations:

### Delay Module Settings

* **Transaction delay**: 25 hours
* **Transaction expiration**: 31 hours

<Warning>
  These extended timeouts are designed to discourage direct delay module interaction. Failed transactions require the full expiration period before they can be skipped.
</Warning>

### Daily Spending Limits

The maximum daily card spend limit is **\$10K per token**. The Roles module enforces a hardcoded on-chain limit of **\$20K per token**, twice the card limit. This buffer exists because card clearing and settlement can take 1–4 days after a transaction, and the higher on-chain limit ensures uninterrupted card operations over that window without requiring any additional user signatures.

<Warning>
  Any interaction with the delay module will block the card and require customer support intervention to resolve the issue.
</Warning>

## Account details for authenticated user

To get authenticated user account details, call [`GET /user/account`](/api-reference/user/get-account)

<Tabs>
  <Tab title="Sandbox">
    ```bash theme={null}
    curl --request GET \
      --url https://gp-auth-module.sandbox.gnosispay.in/user/account
    ```
  </Tab>

  <Tab title="Production">
    ```bash theme={null}
    curl --request GET \
      --url https://core.prod.gnosispay.com/user-api/user/account
    ```
  </Tab>
</Tabs>

This will return configuration of user account including chain name, configured currencies, safe owner address etc.

## Account balances for authenticated user

Gnosis Pay V2 provides detailed balance breakdowns to give users complete visibility into their fund status. The authenticated user's account displays four distinct balance types:

| Balance Type               | Description                                                                                          | Increases When                                                                                  | Decreases When                                                                 |
| -------------------------- | ---------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------ |
| **Spendable**              | Amount available for immediate spending via card transactions or withdrawals                         | • Deposits clear AML analysis<br />• Refunds are processed<br />• Returns of goods are credited | • Card transactions are authorized<br />• Withdrawals are initiated            |
| **Non-Spendable**          | Funds that cannot be used for spending. Flagged for review or potential return                       | • Dependent on AML checks                                                                       | • Funds are returned to source<br />• Funds are manually released after review |
| **Processing Deposits**    | Incoming deposits currently undergoing AML analysis. Not yet available for spending                  | • New deposit is received                                                                       | • AML analysis completes (moves to spendable or non-spendable)                 |
| **Processing Withdrawals** | Outgoing withdrawals currently being processed. Deducted from spendable but not yet settled on-chain | • Withdrawal is initiated                                                                       | • Withdrawal settles on-chain                                                  |

### Get Account Balances

To request the account balance of the user, call [`GET /user/balances/v2`](/api-reference/user/get-account-balances-v2)

<Tabs>
  <Tab title="Sandbox">
    ```bash theme={null}
    curl --request GET \
      --url https://gp-auth-module.sandbox.gnosispay.in/user/balances/v2
    ```
  </Tab>

  <Tab title="Production">
    ```bash theme={null}
    curl --request GET \
      --url https://core.prod.gnosispay.com/user-api/user/balances/v2
    ```
  </Tab>
</Tabs>

<Note>
  Each currency maintains its own separate balance states. For example, USDC and USDT will each have their own spendable, non-spendable, processing deposits, and processing withdrawals amounts.
</Note>