Fintech

Payments · Feb 8, 2026

Inside Our Auto-Reload Engine

How we decide when to trigger a reload without ever overcharging your bank.

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Inside Our Auto-Reload Engine
SB

Sagar Bhattarai

Embedded Systems Lead

Feb 8, 2026 4 min read

Auto-reload triggers when your balance drops below a threshold you set — but the naive version of this feature (reload every time you're under threshold) can trigger duplicate reloads if a balance check races with a pending transaction.

Our engine reconciles a single source-of-truth balance before every auto-reload decision, and de-duplicates any reload request that's still in flight, so you're never charged twice for one low-balance moment.

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