money-flows

Load this before designing or writing any code that keeps balances of money or credits in an app, even for a quick sketch or a short answer. Covers prepaid credits and promo credits, wallets, top-ups, usage drawn from a balance, reservations or holds for long jobs, marketplace payouts and fee splits, escrow, refunds and chargebacks, and spending limits or budgets for agents and teams. Gives a design where a Fragment ledger enforces the rules (no negative balance, exact splits, settle or capture once), with tested recipes and code.