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Approval engine

CXR Payments

Every consequential financial action moves through intent, review, authorization, settlement and ledger entry. Nothing is optimistically shown as completed.

Simulated network

Create payment

Idempotency key is issued at intent to prevent duplicate submission.

Within single-approval policy

Transaction state machine

Settlement is never a boolean.

  1. 1Intent
  2. 2Preview
  3. 3Risk check
  4. 4Confirmation
  5. 5Strong authentication
  6. 6Authorization
  7. 7Execution
  8. 8Settlement
  9. 9Ledger entry
  10. 10Receipt

Approval policy

Configurable example thresholds.

  • $0 – $1,000 · single approval
  • $1,000 – $25,000 · manager approval
  • $25,000+ · multi-party approval

Enterprise organizations define their own matrices in Settings.