THE FINTECH BUILDER · SYNTHETIC BANK BOOKS

What is still reserved?

Step through posted funds, partial capture and exact expiry. Explain every term in the availability calculation.

USD minor units (cents). Credit-normal customer deposit liability. Cedar policy: no overdraft; pending incoming contributes zero.

Choose a scenario

Posted L

Effective holds H

Available A

Capacity breakdown

Spendable
Shortfall
Incoming, informational
Incoming, credited
Credit facility

This is a pure read. A trusted exporter must supply posted and hold state from the same complete committed boundary.

Hold contribution audit

Hold	Stored	Effective	Remaining	Counted

Partial capture:85600posted−18000remaining=67600available. Final capture10000 releases8000:75600posted−0=75600available. At expiry equality an active hold counts zero under this teaching policy.