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Balance Floor and Ceiling can be set while creating an account using POST /v0/accounts

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Balance Floor

An account’s balance floor consists of two attributes:
  • balance: the minimum balance the account can have
  • linked_account_id: the ID of the linked account used to maintain the minimum balance
The balance floor creates a lower limit for the available balance of that account. Any transaction that would put the available balance of the account below its balance floor triggers a just-in-time (JIT) funding transaction from the linked account in order to bring the balance back up to the floor.

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Balance Ceiling

The balance ceiling creates an upper limit for the available balance. Any transaction that would put the available balance of the account above its balance ceiling triggers a just-in-time (JIT) funding transaction (also known as a sweep transaction) to the linked account in order to bring the balance back down to the ceiling.

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Example Use Cases

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Pool Account

There are a number of use cases where you want an account that always has a zero balance, and gets its funds from another account. For example, you many have a single pool account containing the funds for multiple business expense cards. In this case, each card’s account would be set up like: 
balance_floor: {
    "balance": 0,
    "linked_account_id": "{POOL_ACCOUNT_ID}"
}
balance_ceiling: {
    "balance": 0,
    "linked_account_id": "{POOL_ACCOUNT_ID}"
}
All credits and debits to any of the card accounts would flow through to the pool account. Refer to the Business Expense Cards for more details.