Prepaid Marketing Accounts: available, reserved, spent

When a brand funds the platform, that amount becomes marketing capacity after applicable fees. It is not a Google wallet and it is not credit.

Available funds can be reserved when a plan is approved. Reserved funds are what the campaign is allowed to spend. Actual provider spend is then reconciled against the reservation.

If available funds are not enough, the platform blocks creation, resume and scale, and asks the customer to add funds. That rule is the product, not a setting.

Customer-billed and platform-billed provider setups can both exist later. The Marketing Account still belongs to the organization, not to an individual user.