Sounds like the same thing payment apps do, instead of sending you the money they hold it in a virtual balance. Eg Venmo, PayPal. Since businesses use this ser

Sounds like the same thing payment apps do, instead of sending you the money they hold it in a virtual balance. Eg Venmo, PayPal. Since businesses use this service I assume the balance are an order of magnitude larger and potentially used in some interest or float mechanism.