# Organization standing and trust

Zaroz lets a new organization start immediately and widens what it may spend as it builds a payment history. This is the organization's **standing**. It is per organization and per currency.

## What it measures

| Figure | Meaning |
|---|---|
| `balance_cents` | the organization's prepaid balance |
| `reserved_cents` | held for purchases and for the worst case of running services |
| `floor_cents`, `required_cents` | the minimum balance a new purchase needs on top of what is reserved |
| `available_cents` | `balance - required`: what a purchase may use |
| `credit_limit_cents` | how far the organization may owe on invoice (postpaid), `0` for prepaid organizations |
| `open_receivable_cents` | what it currently owes |
| `restricted` | whether **new** spend is refused |

Trust is graduated into named tiers, and staff can override a tier. Behavioural signals can restrict new spend and lower the ceiling automatically. A restriction only ever stops **new** spend: purchases, upsizing, new units. It does not stop services that are already running.

## Who sees what

Any member can read standing. The organization's **owner** gets the full breakdown in `detail`. Every other member gets only a fixed sentence in `message`, identical for every reason, so that a restriction never leaks the organization's finances. An organization you do not belong to answers `404`.

**curl**

```bash
curl -sS "$ZAROZ_API/organizations/<org uuid>/standing" -H "$AUTH"
```

**TypeScript**

```ts
const { body: standing } = await call("GET", `/organizations/${ORG}/standing`);
if (standing.restricted) console.warn(standing.message, standing.detail);
```

**Python**

```python
_, standing = call("GET", f"/organizations/{ORG}/standing")
if standing["restricted"]:
    print(standing["message"], standing.get("detail"))
```


## Where it shows up

- `restricted: true` is why a checkout or a unit start is refused; `restriction` on the quote and checkout responses carries the reason and the number that would clear it.
- The quote's `required_cents` and `available_cents` tell you before you buy whether the purchase will pass.
- For organizations with a credit limit, the owner's quote and checkout responses carry a `postpaid` disclosure of what will be invoiced rather than prepaid.

Debt has a defined ladder, with warnings before every irreversible step: a restricted organization first loses the ability to start new spend, and only after sustained non-payment are services suspended and, much later, data deleted, with notices at 15, 7 and 1 days before deletion. Settling the open receivable lifts the restriction.

:::note
The tier names and thresholds are set by Zaroz and can be overridden by staff. Do not hard-code them; read `restricted`, `required_cents` and `available_cents`.
:::