Prepaid Commit / Drawdown

A prepaid commit is a customer balance or contracted pool of funds (or token units) paid upfront and then consumed over time. A drawdown is the accounting movement that reduces that commit as usage or spend occurs—posting from the prepaid liability (or deferred credit) into consumption or settlement accounts.

Why it Matters

Prepaid models are common for API platforms, AI usage, and agent wallets: cash arrives before consumption. Without explicit commit and drawdown postings, remaining balance, revenue timing, and refunds become opaque. Ledgers encode the commit as a liability and each drawdown as a controlled release.

In agentic payments, a wallet top-up is often a commit; each agent purchase or token burn is a drawdown. Pairing those movements with idempotent keys and sub-ledgers prevents double consumption under retries and keeps float visible for treasury and customer support.