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Returns a real-time balance snapshot for the wallet — total, locked, and immediately available amounts, plus an asset descriptor. The snapshot is read live from the underlying provider on every call; values are not cached. The three balances:
Before creating an outbound payment order, check available, not amount. An outbound order against insufficient available will finalize as FAILED with errorCode: INSUFFICIENT_FUNDS.
All values are integers in minor units (cents for BRL). See Amounts & currency.