If you are trying to reinvent parts of banking, you could maybe start with what already works as a thought experiment. Here's an example of a core banking depo

If you are trying to reinvent parts of banking, you could maybe start with what already works as a thought experiment. Here's an example of a core banking deposit transaction schema that has been extensively battle tested in many small & mid-size US institutions: https://jackhenry.dev/open-enterprise-api-docs/operational-data-integration/odi-extracts/silverlake/deptrn/ https://jackhenry.dev/open-enterprise-api-docs/operational-d... You may note fields like "Effective Date" & "Affects Balance/Interest", which imply doing this correctly may involve exploring some interesting edge cases. Wouldn't it be cool if you could just cheat and start with an approach that already considers them?