github.com/fibonacci-chain/fbc@v0.0.0-20231124064014-c7636198c1e9/libs/cosmos-sdk/x/bank/spec/01_state.md (about)

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     5  # State
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     7  Presently, the bank module has no inherent state — it simply reads and writes accounts using the `AccountKeeper` from the `auth` module.
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     9  This implementation choice is intended to minimize necessary state reads/writes, since we expect most transactions to involve coin amounts (for fees), so storing coin data in the account saves reading it separately.