A wallet's books match the chain, token by token
The problem My wallet holds USDC to six decimals, but the books rounded it to cents, so the two never quite agreed.
A wallet you hold yourself is counted in each token it holds, to the last unit the token records, so its balance matches what the chain shows. Your agent can record tokens coming in, moving between wallets and being sold for dollars, and the wallet’s page shows its balance in each token. On the balance sheet, a dollar stablecoin counts at par beside your cash.