An account represents a store of value for fiat currencies and/or stablecoins.
- Bank account: Account that exists at a regulated depository financial institution (i.e. a bank). Stores fiat.
- Wallet: An on-chain wallet. Stores stablecoins.
- Ledger: An account at a liquidity provider/custodian. May store fiat and/or stablecoins.
Accounts may be managed by Tesser or unmanaged. "Unmanaged" accounts are accounts that were not provisioned by Tesser, and instead were provisioned by a third party. "Managed" accounts are accounts that are provisioned by Tesser.
Accounts will always belong to the workspace they are created in. They can optionally also belong to one of a counterparty or tenant.
| Belongs to: | Type: Bank account | Type: Wallet | Type: Ledger |
|---|---|---|---|
| Workspace | n/a | An omnibus wallet an organization uses to manage its treasury operations in an aggregated manner. (Managed) | An omnibus wallet an organization uses to manage its treasury operations in an aggregated manner. (Managed) |
| Tenant | n/a | A wallet designated for funds belonging to a tenant. (Managed) | A wallet designated for funds belonging to a tenant. (Managed) |
| Counterparty | A bank account that belongs to an originator or a beneficiary. (Unmanaged) For fiat payouts, bank account info as transmitted as part of Travel Rule compliance.
| A wallet designated for an originator or beneficiary provisioned by Tesser. (Managed) A wallet provisioned for the originator or beneficiary by a non-Tesser provider. (Unmanaged) | A wallet designated for an originator or beneficiary. (Managed) |
Wallets
A wallet's type identifies the blockchain family it belongs to, not a single network:
stablecoin_ethereum— the EVM (Ethereum Virtual Machine) family, which includes Ethereum, Base, Polygon, and other EVM-compatible chains.stablecoin_solana— the Solana network.stablecoin_stellar— the Stellar network.
stablecoin_ethereum covers every EVM chain, not just Ethereum mainnet. Because EVM wallets share a single address across all EVM chains, one stablecoin_ethereum wallet has the same crypto_wallet_address on Ethereum, Base, Polygon, and any other EVM network. We use stablecoin_ethereum rather than stablecoin_evm for readability.
Assets
A wallet holds an assets array — one entry per currency and network combination the wallet is enabled for. A single EVM wallet therefore commonly returns balances across multiple networks:
Code
Although an EVM wallet is theoretically compatible with any EVM chain and token, Tesser only enables a curated set of currency and network combinations. See Supported Tokens and Networks for the current list and each combination's status.
Sandbox Networks
In the sandbox, network values are testnet identifiers that map to their mainnet equivalents in production:
| Sandbox (testnet) | Production (mainnet) |
|---|---|
ETHEREUM_SEPOLIA | ETHEREUM |
BASE_SEPOLIA | BASE |
POLYGON_AMOY | POLYGON |
A wallet's assets are generally fixed once it is created. Tesser may enable additional networks or tokens on an existing wallet — coordinated with you in advance — and a new asset can also appear if a wallet organically receives funds on a network it hasn't held before (for example, a rebalance that lands USDC on a newly supported EVM chain).