The invention discloses a design method of a clearing transaction separate accounting algorithm for a blockchain, comprising the following steps: S1, disassembling a three-party transaction into a plurality of atom transactions according to a user account and an account, and packaging the original three-party transaction and the atom transactions into composite transactions; S2, packaging the multiple composite transactions for the consensus to form a block, and then grouping the atom transactions in the block according to the user account and sorting the atom transactions in the block in chronological order; S3, for the non-quantized information, obtaining the last related transaction, and updating it to the final state value; S4, for the quantitative information, combining the transactions grouped by the user account according to the fund and the asset account, and calculating an intermediate value of the account change; and S5, querying the balance of the user account, and performing calculation with the intermediate value of the account change to get the final account balance. The design method has the beneficial effects of providing a simple and efficient transaction separateaccounting method suitable for the blockchain clearing platform.