> ## Documentation Index
> Fetch the complete documentation index at: https://direct-api.reap.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Card account balances

> The card account is your business's shared credit pool. Balances explains the six figures that describe how much credit is in use.

The card account is the shared credit pool every card draws on.
[Get card-account balances](/api-reference/cards/retrieve-card-account-balances.md)
returns six figures, computed at request time. They're the same numbers you see on
the dashboard's balance and statement pages. See [Understanding your Card Statement](https://support.reap.global/hc/en-us/articles/15076749464847-Understanding-your-Card-Statement) in the Help Center.

* `availableCredit` (money): how much can still be spent on cards right now,
  with pending card transactions already deducted. Never below zero.
* `totalCreditLimit` (money): your business's total credit limit. To change
  it, see [How do I increase my Card credit
  limit?](https://support.reap.global/hc/en-us/articles/16338017264399-How-do-I-increase-my-Card-credit-limit) in the Help Center.
* `outstandingBalance` (money): what's currently owed. Signed, so a negative
  value is a credit balance.
* `pendingAmount` (money): repayments you've made that haven't been applied
  yet. Can differ in currency from the rest.
* `allocatedCredit` (money): credit set aside for specific cards, such as
  top-up cards. Signed.
* `unallocatedCredit` (money): credit not yet assigned, the best guide to
  how much new budget you can hand out.

Typical uses: a finance dashboard in your own tool, or an alert when
`availableCredit` drops below a threshold. Check `unallocatedCredit` before
handing out new `spendCap` budgets.

## Treasury and the card account

Deposits you make using the Treasury funding information raise this same credit pool. When a Treasury deposit
completes, `availableCredit` rises, but only once the
transaction shows `COMPLETED` in [Treasury
transactions](/concepts/treasury/transactions.md). Expect a short delay between
confirmation and the balance update.

The card account currency is set when your business account is created
during onboarding and can't be changed afterwards. A stablecoin deposit
lands in the card balance currency at the returned `conversionRate`.

## Related endpoints

* [Get card-account balances](/api-reference/cards/retrieve-card-account-balances.md)
* [List card activities](/api-reference/cards/list-card-account-activities.md)
* [Treasury transactions](/concepts/treasury/transactions.md)


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