{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "title": "AccountBalances",
  "type": "object",
  "description": "Balance breakdown for a banking account",
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Account identifier"
    },
    "currency": {
      "type": "string",
      "description": "Currency of the balances"
    },
    "workingBalance": {
      "type": "number",
      "description": "Current working balance including pending transactions"
    },
    "availableBalance": {
      "type": "number",
      "description": "Balance available for withdrawals and payments"
    },
    "clearedBalance": {
      "type": "number",
      "description": "Balance of cleared funds only"
    },
    "lockedAmount": {
      "type": "number",
      "description": "Amount locked or blocked on the account"
    },
    "overdraftLimit": {
      "type": "number",
      "description": "Approved overdraft facility amount"
    },
    "accruedInterest": {
      "type": "number",
      "description": "Interest accrued but not yet capitalized"
    },
    "pendingDeposits": {
      "type": "number",
      "description": "Deposits received but not yet cleared"
    },
    "asOfDate": {
      "type": "string",
      "description": "Timestamp when balances were calculated"
    }
  }
}