# Get spendable balance information

Retrieves your spendable balance.

Note: The response contains either the funded_balance or the credit_usage object depending on your funding method.  If you're using the Funded Payments method, the response contains only the funded_balance object. If you're using the T+1 Invoicing method, the response contains only the credit_usage object.

Endpoint: GET /spendable_balance
Version:  
Security: Bearer

## Response 200 fields (*/*):

  - `funded_balance` (array)
    Array of spendable balance information for all applicable currencies.

  - `funded_balance.statement_currency` (string)
    The currency of your funded balance, in USD.

  - `funded_balance.net_balance` (number)
    Spendable balance in the given currency.

  - `credit_usage` (object)
    Information about your credit limit and use.

  - `credit_usage.statement_currency` (string)
    Currency in which you use your credit. This is currently USD.

  - `credit_usage.net_balance_details` (array)
    Information about your net balance.

  - `credit_usage.net_balance_details.net_balance` (number)
    The amount for which Ripple has invoiced you but hasn't received payment yet. Note that this amount may be in a different currency from your statement_currency.

  - `credit_usage.net_balance_details.invoice_currency` (string)
    The currency in which the invoice is issued.

  - `credit_usage.net_balance_details.balance_last_updated_at` (string)
    The time (in UTC) when the net balance amount was last updated either by an invoice being generated or by a balance payment.
    Example: "2023-11-02T18:26:00.000123Z"

  - `credit_usage.invoice_frequency` (string)
    The frequency at which your invoice is issued.

  - `credit_usage.unbilled_used_credit` (number)
    The amount of credit you've used since the last invoice was issued, shown in USD.

  - `credit_usage.total_used_credit` (number)
    The total credit you've used, which is the sum of your net_balance and unbilled_used_credit shown in USD.

  - `credit_usage.unallocated_credit` (number)
    Your spendable credit amount, calculated as difference of your credit limit and current credit consumption shown in USD.

  - `credit_usage.credit_limit` (number)
    Your credit limit shown in USD.