Account Balances
Balance Types
| Balance | Definition |
|---|---|
| Available | Funds available for spending/transfer |
| Pending | Funds in-flight (authorized but not settled) |
| Total | Available + Pending |
Calculation
Available Balance = Sum(credits) - Sum(debits) - Pending holds
Pending Balance = Sum(pending debits) - Sum(pending credits)
:::info Authoritative Source
Ledger Service computes authoritative balances. Account Service maintains a projection updated via LedgerEntryCreated events.
:::
Concurrency
Balances use optimistic locking with a version column. Concurrent updates retry on conflict.