banking-core-ledger

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.