Generating user interfaces comprising a universal dynamic base limit value reflecting transactions within one or more transaction accounts

A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations comprising:

• determining, utilizing a machine learning model, a base limit value or a user account based on one or more user activities, wherein the base limit value represents an excess utilization buffer for the user account;
• determining, for the user account, an available base limit value based on the base limit value;
• receiving, for the user account, a credit transaction corresponding to a secured credit account with a transaction value limit based on a deposited value within the secured credit account;
• upon detecting that a transaction value of the credit transaction is greater than the transaction value limit, utilizing the available base limit value corresponding to the user account to fulfill a remainder between the transaction value and the transaction value limit;
• generating a modified transaction value limit and a modified available base limit value for the user account based on the utilization of the available base limit value;
• and
• providing, for display within a graphical user interface, the modified transaction value limit and the modified available base limit value.

A system comprising:

• at least one processor;
• and
• at least one non-transitory computer-readable storage medium storing instructions that, when executed by the at least one processor, cause the system to:
• determine, utilizing a machine learning model, a base limit value or a user account based on one or more user activities, wherein the base limit value represents an excess utilization buffer for the user account;
• determine, for the user account, an available base limit value based on the base limit value;
• receive, for the user account, a credit transaction corresponding to a secured credit account with a transaction value limit based on a deposited value within the secured credit account;
• upon detecting that a transaction value of the credit transaction is greater than the transaction value limit, utilize the available base limit value corresponding to the user account to fulfill a remainder between the transaction value and the transaction value limit;
• generate a modified transaction value limit and a modified available base limit value for the user account based on the utilization of the available base limit value;
• and
• provide, for display within a graphical user interface, the modified transaction value limit and the modified available base limit value.