Learn #banking, #fintech and #payments jargon: Available Balance

By | June 17, 2021

Available Balance


The total funds a participant in a payment system has available for settlement of transactions at any moment.
Calculated as a total of some pre-defined components:

  • opening balance
  • net value of credits and debits processed but not applied yes
  • usable minimum reserve requirement
  • account limits
  • collaterals (loans, pledged securities, pledged stock options etc.)


This is the total value of all the assets a participant in a payment system can use as liquid funds.


This is a series of posts with definitions for the jargon used in #banking, #fintech and #payments.

Too many people use some terms without understanding them beyond the definition.

Too many “experts” use the terms but they never had experience with the actual implementation of anything in #banking, #fintech and #payments.

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