The ledger is the single record of every money movement in a creator's account, settlements in, payouts out, card spend, fees; the balance is derived from it, so what a creator sees is what they can withdraw.
The single record of every money movement in a creator's account: settlements in, payouts out, card spend, fees. A creator's balance is derived from the ledger, so what they see is what they can withdraw, and any figure can be traced back to the flight that produced it.