🎁 Limits, account tiers, and cashback
Transaction and balance limits
In /fsettings, set deposit, withdrawal, and transfer limits, plus account and owner balance caps. Card and ATM limits apply independently.
Daily cash limits
Enable daily limits separately under Banking's limits settings. Deposits and withdrawals have separate caps: No limit removes a cap; zero blocks that direction.
An IBAN's allowance is shared by its members, cards, bank operations, and ATM operations. Savings cash movements count. Transfers, payments, payroll, interest, cashback, and system entries do not. Deposits do not replenish withdrawal allowance.
The day changes at 00:00 UTC. Restarts and changes to settings, tiers, or ownership do not reset usage. Tracking continues while enforcement is disabled; activity before initial deployment is not reconstructed.
Daily Limit Priority selects base or tier caps. Tier perks can inherit, replace, or remove a cap; daily enforcement must still be enabled.
Uncertain settlements can retain reserved allowance. Establish whether money moved before releasing a reservation.
Account tiers
Configure eligible accounts, prices, renewal terms, and perks. Prices and card fees settle in whole dollars; amounts below $0.50 charge zero. Test purchases, renewals, cancellations, and effective limits. Tiers do not grant account permissions or reset usage.
Cashback
Cashback defaults to off. Configure approved companies/resources, rates, and purchase/day/month caps before enabling it. Third-party shops require durable server-side purchase and refund evidence.
Rewards are server-funded, leave merchant proceeds unchanged, and round down per purchase. At 1%, $99 earns $0; $150 earns $1. Transfers, cash movements, loans, savings, payroll, personal invoices, fees, and history entries do not qualify.
Cards share account reward usage. Pending rewards wait until delivery is possible. Disabling cashback stops new decisions but preserves pending rewards and refund obligations.
Refunds cancel pending rewards or create recovery obligations against future rewards; they do not restore gross caps. Resolve uncertain outcomes through Cashback reconciliation in /fsettings, using independent evidence. Never replay a sale/refund to retry its reward.
Keep cashback off until your integrations pass purchase, refund, and restart checks. Allowlists and caps cannot eliminate merchant collusion.