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banking-core-ledger

Compute available balances with holds, pending transactions, and Regulation CC rules.

Updated Feb 25, 2026
Search Tags:#ledger#holds#available balance#regulation cc#optimistic locking#posting adapter#overdraft detection
One-click install
npx skills add https://github.com/zenobiuszeto/banking-strawman-capabilities --skill banking-core-ledger
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: banking-core-ledger
Source: https://github.com/zenobiuszeto/banking-strawman-capabilities/tree/main/skills/banking-core-ledger
Command: npx skills add https://github.com/zenobiuszeto/banking-strawman-capabilities --skill banking-core-ledger

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

The skill provides a consistent, auditable ledger and balance calculation system that eliminates ambiguity about available funds by accounting for posted entries, holds, pending debits and credits, and memo postings while ensuring atomic updates and regulatory funds-availability rules.

Core Features & Use Cases

  • Accurate Balance Calculation: Computes ledger balance and available balance as ledger - holds - pending debits + pending credits, recalculating from source tables on each query to avoid stale derived values.
  • Hold Management & TTL Expiry: Place, release, and expire authorization, exception, and administrative holds with configurable TTLs and event emission for downstream processing.
  • Regulation CC Funds Availability: Apply deposit type rules and new-account windows to compute availability dates and enforce deposit acceptance rules.
  • Concurrency & Atomicity: Use optimistic locking on ledger entries and account balances to ensure atomic balance updates and safe concurrent posting with retry/error handling.
  • Pluggable Posting Adapter & Integrations: Support internal and external ledger adapters for posting entries and querying balances, enabling configurable integration with downstream systems.
  • Use Case: Enforce funds availability for an ACH deposit into a new account, apply holds for authorizations, compute available balance for an outgoing debit, and trigger overdraft/NSF events based on policy.

Quick Start

Show the ledger and available balance for account acct-12345 including active holds, pending debits, and pending credits, and indicate any Reg CC availability dates.

Frequently Asked Questions about banking-core-ledger

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I calculate available balance with holds and pending transactions in a banking ledger?▼

Available balance is calculated as ledger balance minus holds minus pending debits plus pending credits, recalculating from source tables on each query to avoid stale derived values. This ensures accurate funds availability for downstream banking operations.

How does optimistic locking work for concurrent ledger postings?▼

Optimistic locking on ledger entries and account balances ensures atomic balance updates and safe concurrent posting with retry or error handling. This prevents race conditions when multiple transactions attempt to update the same account simultaneously.

How do I apply Regulation CC funds availability rules to new account deposits?▼

Regulation CC funds availability applies deposit type rules and new-account windows to compute availability dates and enforce deposit acceptance rules. This ensures compliance with regulatory requirements for funds availability delays on new accounts.

Can I integrate a custom posting adapter with the banking ledger?▼

Pluggable posting adapters support internal and external ledger integrations for posting entries and querying balances. This enables configurable integration with downstream systems while maintaining consistent ledger journaling and balance calculation.

How do I manage authorization holds with TTL expiry and event emission?▼

Hold management places, releases, and expires authorization, exception, and administrative holds with configurable TTLs and event emission for downstream processing. This automates hold lifecycle management and triggers downstream notifications when holds expire.

How does overdraft and NSF detection work with available balance policies?▼

Overdraft and NSF detection triggers events based on available balance policies after computing ledger balance minus holds and pending debits. This enables automated fee assessment and real-time alerting when insufficient funds are detected.

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