diff --git a/backend/src/graphql/resolver/BalanceResolver.ts b/backend/src/graphql/resolver/BalanceResolver.ts
index 672e07b12..f30e779e5 100644
--- a/backend/src/graphql/resolver/BalanceResolver.ts
+++ b/backend/src/graphql/resolver/BalanceResolver.ts
@@ -54,19 +54,23 @@ export class BalanceResolver {
             },
           })
 
+    // The decay is always calculated on the last booked transaction
+    const calculatedDecay = calculateDecay(
+      lastTransaction.balance,
+      lastTransaction.balanceDate,
+      now,
+    )
+
+    // The final balance is reduced by the link amount withheld
     const transactionLinkRepository = getCustomRepository(TransactionLinkRepository)
     const { sumHoldAvailableAmount } = context.sumHoldAvailableAmount
       ? { sumHoldAvailableAmount: context.sumHoldAvailableAmount }
       : await transactionLinkRepository.summary(user.id, now)
 
-    const calculatedDecay = calculateDecay(
-      lastTransaction.balance.minus(sumHoldAvailableAmount.toString()),
-      lastTransaction.balanceDate,
-      now,
-    )
-
     return new Balance({
-      balance: calculatedDecay.balance.toDecimalPlaces(2, Decimal.ROUND_DOWN), // round towards zero
+      balance: calculatedDecay.balance
+        .minus(sumHoldAvailableAmount.toString())
+        .toDecimalPlaces(2, Decimal.ROUND_DOWN), // round towards zero
       decay: calculatedDecay.decay.toDecimalPlaces(2, Decimal.ROUND_FLOOR), // round towards - infinity
       lastBookedBalance: lastTransaction.balance.toDecimalPlaces(2, Decimal.ROUND_DOWN),
       balanceGDT,
diff --git a/backend/src/graphql/resolver/TransactionResolver.ts b/backend/src/graphql/resolver/TransactionResolver.ts
index 461a70a00..aa1bba639 100644
--- a/backend/src/graphql/resolver/TransactionResolver.ts
+++ b/backend/src/graphql/resolver/TransactionResolver.ts
@@ -57,7 +57,12 @@ export const executeTransaction = async (
 
   // validate amount
   const receivedCallDate = new Date()
-  const sendBalance = await calculateBalance(sender.id, amount.mul(-1), receivedCallDate)
+  const sendBalance = await calculateBalance(
+    sender.id,
+    amount.mul(-1),
+    receivedCallDate,
+    transactionLink,
+  )
   if (!sendBalance) {
     throw new Error("user hasn't enough GDD or amount is < 0")
   }
@@ -198,12 +203,15 @@ export class TransactionResolver {
 
     // decay & link transactions
     if (currentPage === 1 && order === Order.DESC) {
+      // The virtual decay is always on the booked amount, not including the generated, not yet booked links,
+      // since the decay is substantially different when the amount is less
       transactions.push(
         virtualDecayTransaction(
-          lastTransaction.balance.minus(sumHoldAvailableAmount.toString()),
+          lastTransaction.balance,
           lastTransaction.balanceDate,
           now,
           self,
+          sumHoldAvailableAmount,
         ),
       )
       // virtual transaction for pending transaction-links sum
diff --git a/backend/src/util/validate.ts b/backend/src/util/validate.ts
index 95e1bf699..8d1c90ca4 100644
--- a/backend/src/util/validate.ts
+++ b/backend/src/util/validate.ts
@@ -4,6 +4,7 @@ import { Transaction } from '@entity/Transaction'
 import { Decay } from '@model/Decay'
 import { getCustomRepository } from '@dbTools/typeorm'
 import { TransactionLinkRepository } from '@repository/TransactionLink'
+import { TransactionLink as dbTransactionLink } from '@entity/TransactionLink'
 
 function isStringBoolean(value: string): boolean {
   const lowerValue = value.toLowerCase()
@@ -21,6 +22,7 @@ async function calculateBalance(
   userId: number,
   amount: Decimal,
   time: Date,
+  transactionLink?: dbTransactionLink | null,
 ): Promise<{ balance: Decimal; decay: Decay; lastTransactionId: number } | null> {
   const lastTransaction = await Transaction.findOne({ userId }, { order: { balanceDate: 'DESC' } })
   if (!lastTransaction) return null
@@ -32,7 +34,13 @@ async function calculateBalance(
   const transactionLinkRepository = getCustomRepository(TransactionLinkRepository)
   const { sumHoldAvailableAmount } = await transactionLinkRepository.summary(userId, time)
 
-  if (balance.minus(sumHoldAvailableAmount.toString()).lessThan(0)) {
+  // If we want to redeem a link we need to make sure that the link amount is not considered as blocked
+  // else we cannot redeem links which are more or equal to half of what an account actually owns
+  const releasedLinkAmount = transactionLink ? transactionLink.holdAvailableAmount : new Decimal(0)
+
+  if (
+    balance.minus(sumHoldAvailableAmount.toString()).plus(releasedLinkAmount.toString()).lessThan(0)
+  ) {
     return null
   }
   return { balance, lastTransactionId: lastTransaction.id, decay }
diff --git a/backend/src/util/virtualTransactions.ts b/backend/src/util/virtualTransactions.ts
index e4b9eec1f..ff1b7548e 100644
--- a/backend/src/util/virtualTransactions.ts
+++ b/backend/src/util/virtualTransactions.ts
@@ -59,6 +59,7 @@ const virtualDecayTransaction = (
   balanceDate: Date,
   time: Date = new Date(),
   user: User,
+  holdAvailabeAmount: Decimal,
 ): Transaction => {
   const decay = calculateDecay(balance, balanceDate, time)
   // const balance = decay.balance.minus(lastTransaction.balance)
@@ -67,10 +68,12 @@ const virtualDecayTransaction = (
     userId: -1,
     previous: -1,
     typeId: TransactionTypeId.DECAY,
-    amount: decay.decay ? decay.decay : new Decimal(0), // new Decimal(0), // this kinda is wrong, but helps with the frontend query
-    balance: decay.balance,
+    amount: decay.decay ? decay.decay.toDecimalPlaces(2, Decimal.ROUND_FLOOR) : new Decimal(0), // new Decimal(0), // this kinda is wrong, but helps with the frontend query
+    balance: decay.balance
+      .minus(holdAvailabeAmount.toString())
+      .toDecimalPlaces(2, Decimal.ROUND_DOWN),
     balanceDate: time,
-    decay: decay.decay ? decay.decay : new Decimal(0),
+    decay: decay.decay ? decay.decay.toDecimalPlaces(2, Decimal.ROUND_FLOOR) : new Decimal(0),
     decayStart: decay.start,
     memo: '',
     creationDate: null,