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The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["availableAt"]}," timestamp is the time when the earned value becomes eligible to spend, assuming the grant has not expired, been spent, or been clawed back."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Two minimum-availability controls can apply:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Issuer minimum availability delay: the issuer can require branded balance to remain unavailable for a global minimum amount of time after earn."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Merchant minimum availability delay: a merchant can require its branded balance to remain unavailable for a merchant-specific minimum amount of time after earn."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When both controls apply, the greater delay wins. For example, if the issuer minimum is ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["2"]}," days and the merchant minimum is ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["5"]}," days, the grant uses the merchant delay and becomes available after ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["5"]}," days. If the issuer minimum is ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["7"]}," days and the merchant minimum is ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["3"]}," days, the grant uses the issuer delay and becomes available after ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["7"]}," days."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The issuer minimum availability delay also controls whether the issuer is floating branded balance value before receiving payout to cover that value. If branded balance becomes available before the periodic payout that funds the earned value, the issuer is effectively covering that float. If the issuer minimum availability delay is the same length as, or longer than, the periodic payout window, branded balance does not become spendable before the covering payout is expected, so availability timing does not create issuer float."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The API exposes the resulting ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["availableAt"]}," timestamp on RewardGrant data. Eligibility responses can include ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["issuer_delay_not_satisfied"]}," or ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchant_delay_not_satisfied"]}," when the relevant minimum availability delay has not elapsed."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["expiresAt"]}," timestamp appears when the grant expires. A grant can be partial when only some value remains or only some value was consumed."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"spend-remaining-balance-and-clawbacks","__idx":4},"children":["Spend, Remaining Balance, and Clawbacks"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["An available branded balance can be partially spent. 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Percents prioritizes clawing back unspent available balance before reversing previously spent balance. No cardholder-level account action is required from the issuer because the cardholder has not received an statement credit for the unspent branded balance."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Spent balance clawback"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Used when there is no unspent balance available to claw back. 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