Comment by bob1029

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-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?