How It Works
The Platform API is the integrator surface. Behind it, one unified balance and one execution engine handle Trade, Transfer, Lend, Borrow, and Checkout through a single order.
One Balance
Users see one spendable portfolio balance. Torque aggregates holdings across chains behind the scenes; depositable assets (including yield-bearing forms) count toward parent buckets such as ETH or BTC. Routing is automatic; integrators and end users never pick a source chain.
One portfolio balance
One spendable amount per action
Live portfolio total
Unified balance for MAX and spend
Can this action route now
Multi-step plan when needed
Per-chain holdings
Where tokens sit today
Balance buckets (available / reserved)
Order lifecycle
Indexers and observers feed ownership. Users never pick a chain.
Order Execution
Direct when one pocket funds; portfolio plan when split.
| Path | When | What Happens |
|---|---|---|
| Direct | One pocket holds enough to fund the action | Single routed transaction |
| Orchestrated | Balance is unified but split across chains or forms | Consolidate, then swap, bridge, or DeFi delegate legs |
Maps to the API Lifecycle
The engine above powers the READ → DECIDE → EXECUTE contract documented for integrators. See Introduction for the lifecycle diagram and Lifecycle for wallet_order schema and intent types.
| Stage | Engine | Integrator Surface |
|---|---|---|
| READ | Unified portfolio and market context | GET /read/portfolio, portfolioData in Assistant context, Intelligence feeds |
| DECIDE | Intent resolution and draft wallet_order | Assistant functionResults, Checkout SDK session (merchant pay) |
| EXECUTE | Order commit, routing, settlement | POST /execute/** (on_chain) or torque-checkout SDK + webhooks (merchant) |
For Integrators
- Unified portfolio READ, not per-chain pockets.
- Third-party: business key for read/decide; user auth for execute.
- EXECUTE commits wallet_order; routing stays inside Torque.
- Trade, Transfer, Lend, Borrow, Checkout share one order lifecycle.
- Merchant pay: Checkout SDK, not Assistant.
Next: Authentication, Actions, Checkout SDK, Assistant.