What is a chart of accounts?

A chart of accounts is the named list of balances your product will post to. Each name is a bucket: wallets, clearing, fees, revenue, payouts. You draw it before you write posting code. If a movement has no account on the chart, you do not have a place to put it.

How does a chart of accounts work?

You list every store of value the product needs. Customer wallets often share one pattern and many ids. Company accounts get stable names: cash, fees, suspense. The chart is the index. The money movement map is how value travels between those names.

Chart of accounts vs general ledger

The chart is the list of names. The general ledger is the book those company names live in. Customer wallets usually sit in other ledgers you create. One chart can span both. Do not invent a new name at posting time. Add it to the chart first.

How detailed should it be?

Enough that a fee, a return, and a sweep each have a home. Not so many that every SKU is an account. If two products share a pot, they share an account. If they must never mix, they do not.

In Blnk the chart is the set of ledgers and named balances you open. Put company accounts in the general ledger with an @ name. Put wallets in ledgers you create. Draw both on the money movement map.