How is "Available" calculated, I've place 20 bets of 5% each and yet my balance is still not zero? Also, what happens when we go into the negatives?
You ROI% is only calculated after a bet is settled, but when you make a bet your current bank is automatically updated.
Given this please note that you will never get to 0, because the max 5% bet stake is always reflected by your current bankroll (the "available" column in the leaderboard), so you are always betting 5% of that value which means it can't get you to 0 or a negative value (you can of course have a negative ROI%, but not a negative bank).