Crypto UIs show you assets. Money apps show you what you can spend. If you have to ask “is this the USDC on Base or the one I can’t move,” you don’t have a spendable balance. You have a museum.
The definition that matters
A spendable balance is the amount you can send to a person or treat as real before you accept more work. Collect credits it. Pay debits it. Bank rails, where live, credit it too. You should not keep a note in your phone that says “don’t spend that, it’s in the other wallet.”
What it is not
- A token list you have to mentally sum
- A staked position you can’t use for dinner
- A card waitlist
- An agent’s unapproved spend
If you can’t pay @kemi from it this afternoon, it isn’t spendable yet.
Spendable test
- A client pays a $150 offering. Does the number you see go up by $150?
- Can you send $40 to a friend without a side quest?
- Does activity name the person or the offering?
- Would you quote next week’s work off this number?
Four yeses: you have a money app. Any no: you’re still doing rail homework.
Vybe Wallet is that number. Sign in with email. Claim @you. Let Collect and Pay write to the same line.
