Bank cash#
Settled TRY in the bank wallet can fund contact payments and repayments. The People payment adapter debits this balance only.
Card funds#
The fiat card spends TRY explicitly moved onto it. Its funded balance is displayed separately. Bank repayments require moving card funds back first if they are to be used.
Other assets#
USD, gold, funds and crypto are positions, not settled TRY. A sale or conversion has its own quote, approval and settlement. The broader forecast can consider card liquidity, but it does not make card funds available to a bank-transfer instruction.