The Core Balance Object

A core balance is a balance position within a core account. It is where the money actually sits. Read them with GET /v2/core_balances and GET /v2/core_balances/{id}.

{
  "id": "core_balance_2xYw9Lp4Kq8RvT3mZ6nBcD1eF7g",
  "core_account_id": "core_account_2xYv6Kn3Jp7QuS2lY5mAbC0dE4f",
  "name": "Partner FBO",
  "status": "active",
  "currency_code": "USD",
  "amounts": {
    "spendable": 2070115,
    "cash_available": 1070115,
    "posted": 1080115,
    "sweeps": 0,
    "holds": 10000
  },
  "overdraft": {
    "limit": 1000000,
    "used": 0,
    "unused": 1000000
  },
  "interest": {
    "rate": null,
    "accrued": 0
  },
  "created_at": "2026-03-02T14:00:00Z",
  "updated_at": "2026-09-25T15:50:50Z"
}

Fields

Field	Type	Description
`id`	string	Unique identifier, prefixed `core_balance_`.
`core_account_id`	string	The parent core account.
`name`	string	Human-readable name set by Lead.
`status`	enum	`active`, `inactive`, or `closed`. Lead managed. See Core Balance Statuses.
`currency_code`	string	ISO 4217.
`amounts`	object	The balance breakdown. See The amounts block.
`overdraft`	object	Overdraft facility on this balance. See The overdraft block.
`interest`	object	Interest position. See The interest block.
`created_at`, `updated_at`	timestamp	RFC 3339, UTC.

All amounts are signed integers in minor units. 1500 is $15.00.

The amounts block

Five figures, two of them derived.

Field	Description
`posted`	Everything that has fully posted to the ledger. This is the closing balance figure you see in the Daily Balance report.
`holds`	Funds that are reserved for pending transactions.
`sweeps`	Funds sitting in linked sweep balances (for example IntraFi) that can be drawn back on demand.
`cash_available`	Actual cash net of holds. `posted` minus `holds`.
`spendable`	What you can move right now. `cash_available` plus `overdraft.unused` plus `sweeps`.

spendable may include overdraft capacity. A balance with cash_available of zero can still show a positive spendable if the account has an overdraft limit. Do not present spendable as cash on hand.

The overdraft block

Field	Description
`limit`	The maximum overdraft facility on this balance. Zero if none.
`used`	Overdraft currently drawn.
`unused`	Remaining capacity. `limit` minus `used`. This is the portion that flows into `spendable`.

The interest block

Field	Description
`rate`	Annualized rate as a decimal string with six places, for example `"1.000000"`.
`accrued`	Interest accrued but not yet posted, in minor units.

List and retrieve

GET /v2/core_balances returns every core balance visible to your program. Filters:

core_account_id. Balances under one core account.
limit, starting_after, ending_before. Cursor pagination. Cursors are core balance IDs.

GET /v2/core_balances/{id} returns one balance. 404 if the ID does not exist or belongs to another program. Each request reads Lead’s core directly, so the figures reflect the ledger at the time of the request. Core Balance Overview · Core Balance Statuses · The Core Account Object · The Core Transaction Object · Daily Balance report

Banking Infrastructure

Lending & Receivables

Payment Rails

Customers & Accounts

Network Settlement

Fields

The amounts block

The overdraft block

The interest block

List and retrieve

​Fields

​The amounts block

​The overdraft block

​The interest block

​List and retrieve

​Related

Fields

The amounts block

The overdraft block

The interest block

List and retrieve

Related