How are debts counted in the balance?

The easiest way to explain how debts affect the balance is with an example.

• say you have $1000 — that is your current balance;
• you lend $100. The app assumes the debt will be repaid one day, so your current balance does not change, even though you now have $900 on hand. The balance including debts is exactly that: what you have right now;
• the opposite case: you borrow $100. Your current balance again does not change, because we know you intend to repay it, but you have $1100 on hand — and that is your balance including debts.

Debts are part of Premium.