A multi-service account platform does not need to move external funds every time a user allocates value to a connected application. The internal double-entry ledger can record the economic event while external funds remain within the approved treasury or safeguarding structure.
External movement is then reserved for actual funding, payout, provider settlement or other authorized treasury events. This significantly reduces operational complexity and provides a single source of truth for balances and liabilities.
The exact legal and safeguarding model depends on the regulated partners and jurisdictions involved, so the software layer is deliberately separated from the regulated service layer.