What is a sweep account?

A sweep account is a balance that you empty or top up on a rule: end of day, above a ceiling, below a floor. The sweep is a transfer you post, not a bank feature you get for free. If the bank also sweeps, you still record the movement or recon will break.

How does a sweep work?

You pick a source, a destination, and a trigger. Excess funds leave a collection account for a yield or operating account. A payout pot is topped up from treasury when it runs low. The rule lives in your job. The book sees an ordinary transfer.

Sweep vs clearing

Clearing holds open items until a rail finishes. A sweep moves already-settled money between pots you control. Do not sweep uncleared deposits. You will spend funds that can still return.

What if the bank sweeps without you?

The statement moves and your ledger does not. That break shows up in recon. Either turn the bank sweep off, or post the same amount when the statement lands, using the bank’s reference.

How it works with Blnk

A sweep is a transaction between two internal balances. Schedule it or run it from a worker when the rule fires.

await blnk.Transactions.create({
  precise_amount: 500000,
  precision: 100,
  reference: 'sweep_20260816_eod',
  currency: 'USD',
  source: '@CollectionUSD',
  destination: '@OperatingUSD',
  description: 'End-of-day sweep',
  meta_data: {
    rule: 'eod_above_floor',
    floor: 100000,
  },
});

Use a scheduled transaction if the time is known. Match the bank movement in reconciliation.