> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt
> Use this file to discover all available pages before exploring further.

# Balance Overdraft documentation

> New Balance Overdraft guide for Midaz, with detailed configuration, settlement rules, and the new BLO error codes (0167–0176).

<Badge stroke icon="calendar-days" iconType="regular">April 30, 2026</Badge> <Badge stroke icon="file-code" iconType="regular">Documentation update</Badge> <Badge color="red" size="lg" stroke icon="triangle-exclamation" iconType="regular">Action required</Badge>

## Affects

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Teams configuring balance overdraft behavior in Midaz.

This update applies to the public documentation portal. It does not change the runtime API behavior unless the linked product documentation says otherwise.

## What changed

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Midaz now ships with a dedicated **Balance Overdraft** guide, plus a complete error reference for the feature. The new content explains how to configure overdraft limits per balance, how settlement and reversal flows behave when a balance goes negative, and what to expect at API level.

### What's new

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### Balance Overdraft guide

A new page covering everything teams need to enable and operate overdraft on a balance:

* [**Balance Overdraft**](/en/midaz/balance-overdraft) — concepts, configuration, behavior on debits and credits, settlement rules, and operational guidance.

### Updated balance and transaction pages

* [**Balances**](/en/midaz/balances) — now references the overdraft fields and links out to the new guide.
* [**Transactions overview**](/en/midaz/transactions-overview) — clarifies how overdraft interacts with transaction flows.

### Error reference

Ten new error codes (`0167`–`0176`) have been added to the Midaz [error list](/en/reference/midaz/error-list), covering overdraft validation, limit breaches, and settlement edge cases.

### OpenAPI specification

The Midaz `ledger.yaml` spec has been updated to document the overdraft fields on balance and transaction schemas, so SDK and client codegen reflect the feature.

## Impact

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This documentation update includes information teams should review before changing the affected integration or deployment.

## What you need to do

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<Steps>
  <Step>
    Review the Balance Overdraft guide and related error reference before enabling or changing overdraft behavior.
  </Step>
</Steps>

### Deadline

Before your next related integration, deployment, or upgrade change.

### Why

The documentation explains configuration, settlement behavior, operational guidance, and new error codes.