=== PATH A: what the platform answers ===
balance  25.000000

=== PATH B: raw ledger, independent SQL ===
ledger rows by kind:
grant|1|25000000
hold|2|-150000
hold_release|2|150000
settlement|2|0
sum(credit_ledger)            = 25000000 micro-USD
account_balances cache        = 25000000 micro-USD
open holds (reservations)     = 0 micro-USD
open holds (ledger-derived)   = 0 micro-USD

=== VERDICT ===
AGREE: cache == raw ledger
AGREE: open holds == hold rows of open reservations
