Patent attributes
In particular embodiments, techniques include generating a user account for a user of a payment service. Funds are received from another user and the user account of the user is identified as a recipient. An amount of the funds is credited to a balance of a first sub-account associated with the user account. The user account is further associated with a second sub-account. A payment instrument is associated with the user account that is usable for making one or more payments using funds associated with at least the first sub-account. Transaction summary records are generated based on transaction data associated with one or more transactions of the user account. A user interface is presented by an application executing on an electronic device of the user. The user interface presents the one or more transaction summary records for tracking activity associated with at least the first sub-account and the second sub-account.