{"id":"5478c76a-79b0-49e0-ad0f-3cc5f6a718f3","task":"Implement Lithic Agent Settlement Account (ASA) for real-time spend control and balance management on a virtual card program","domain":"banking-general","steps":["Enable ASA on your Lithic program and register your settlement webhook endpoint in the Lithic dashboard","When a card authorization fires, Lithic sends a synchronous ASA webhook to your endpoint with the full transaction context (merchant, amount, card token, spend_limit details)","Respond with a JSON authorization decision: status=APPROVED or DECLINED within Lithic's required response time; you can also approve a lesser amount for partial authorizations","Maintain a real-time balance ledger per card or account in your system; decrement the balance on approval and increment on reversal or decline","When the transaction clears and settles, Lithic fires a SETTLEMENT event webhook; reconcile the settled amount against the original hold and adjust your ledger accordingly","Use Lithic's spend limit controls (card-level and account-level) as a secondary enforcement layer alongside your ASA logic to provide defense-in-depth"],"gotchas":["ASA responses must arrive within Lithic's timeout window; if your endpoint is slow or unreachable, Lithic uses the configured fallback behavior — set your fallback to DECLINE to prevent unauthorized spending","Lithic ASA does not guarantee exactly-once delivery of settlement webhooks; implement idempotent processing keyed on the transaction token to avoid double-crediting on retries","Test partial authorization handling explicitly — some point-of-sale terminals do not support partial approvals and will decline the transaction regardless of your approved amount"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:37.008Z"},"url":"https://mcp.waymark.network/r/5478c76a-79b0-49e0-ad0f-3cc5f6a718f3"}