Wallet
Balances held inside the system, what is available, and what is committed against it.
A wallet balance is money held for a purpose rather than sitting in a general account. Reserves for tax, funds set aside for a scheduled run, or float held for a specific programme.
Available and committed are shown separately. A balance that looks healthy while fully committed to a run tomorrow is not spendable.
Where everything sits
How to work this page
Committed is money already promised to something scheduled. Available is what remains.
A transfer into the wallet carries the same rail and timing as any other, so fund ahead of the date rather than on it.
Tax and payroll reserves accumulate as obligations accrue, which is what keeps a quarterly from arriving as a shock.
Money moving out of a reserve is a decision and it is recorded as one.
On a phone
Every figure from the desktop appears here, stacked rather than reduced. Tables scroll inside themselves so the page never moves sideways, and figures keep their separators and their alignment at every width.
Questions people actually ask
It is held at the partner institution and carries that institution's protections. The specific arrangement is stated on the page rather than implied.
No. A movement that would overdraw it is refused with the shortfall named.