Settlement Operations Platform

Settlement operations,from request to finality.

One operating record for provider-executed settlement: approval, funding visibility, orchestration, proof, reconciliation and finality.

Discuss your settlement flow Read the platform docs

Providers execute and supply liquidity. INRSettle governs the operating workflow and records the evidence.

Settlement workspace

Settlement control record

In progress

RequestTerms recorded
ApprovalDual control
FundingPosition confirmed
ProviderAccepted
EvidenceProof received
FinalityReview complete

Provider orchestration

External execution boundary

Accepted

Routing: Explicit provider selection
Funding control: Confirmed before submission
Request safety: Idempotency key recorded
Next control: Await provider proof

INRSettle records the workflow and evidence.The integrated provider performs execution.

INRSettle owns the operating record.

Integrated providers supply liquidity and execute settlement.

Independent evidence determines finality.

Settlement lifecycle

One operating record. Twelve controlled stages.

Each stage shows its owner, state, evidence and next action—without reconstructing the settlement across provider portals and spreadsheets.

01
Draft
Commercial terms, corridor, accounts and client reference enter one controlled record.
02
Internal Review
Settlement operations verify that the record is complete before controlled processing.
03
Quote Locked
Rate, fee, amount, validity and settlement window remain bound to the record.
04
Approval
Role policy, limits, MFA step-up and dual control determine whether work may proceed.
05
Funding Requested
The provider funding requirement and requested amount remain visible to treasury.
06
Funding Available
Dual control confirms the funding position before provider submission is allowed.
07
Provider Accepted
A selected provider accepts an idempotent request and returns its own reference.
08
Executing
External execution is tracked through callbacks, polling and controlled intervention.
09
Provider Proof Received
Provider references and proof are retained with provenance, without asserting finality.
10
Independent Reconciliation
Independent bank or PSP records are matched against the settlement record.
11
Finality Review
The final review evaluates approval, proof, reconciliation and operational guardrails.
12
Completed
Authorized completion and the final evidence package close the operating record.

Provider network

Providers stay behind one customer experience.

Customers remain in INRSettle. Connections and operations follow one model; provider-specific details remain inside each adapter.

Customer operationsINRSettle workspace

RoutingControlsEvidence

Settlement provider A

Settlement provider B

Future provider adapter

Explicit routing

Provider selection is recorded per settlement and never inferred from display copy.

Credential isolation

Connections retain opaque secret-manager references, not credential material.

Durable operations

Every external request has an idempotency key, attempt history and provider reference.

Verified callbacks

Connector-specific signature verification happens before a webhook enters the inbox.

Funding position

Required before provider execution

Confirmed

Coverage100%

Required: Recorded from settlement terms
Confirmed: Approved by a separate operator
Execution gate: Open only after funding control passes

Funding visibility

Funding is a control state, not a chat update.

Required and confirmed amounts stay with the settlement. Dual control records who cleared execution and when.

Execution orchestration

External execution with an internal control record.

A durable operation is recorded before provider submission. Outcomes, retries and uncertain states remain explicit.

Validate

Approval, limits and funding

Record

Operation and idempotency key

Submit

Provider-specific adapter

Observe

Webhook and status polling

Resolve

Success, failure or review

Evidence engine

Provider proof is preserved, not promoted into finality.

Provider references, status, amount, receipt channel and time remain append-only and traceable to the settlement.

Provider proofReceived

Provider referenceRecorded

Receipt channelVerified webhook

Payload integrityHash retained

Finality effectEvidence input only

Settlement record

Expected amount and value dateProvider claim remains separate

Independent record

Bank or PSP statementSource and external reference retained

Reconciliation

Independent matching before completion.

Bank and PSP records are evaluated independently. Mismatches become owned exceptions linked to the settlement.

Audit trail

Every privileged action leaves a durable record.

Approvals, funding, provider operations, reconciliation and finality retain actor, time and relevant state.

Approval recordedUser · dual control

Funding confirmedUser · step-up verified

Provider request acceptedAPI · idempotent operation

Proof receivedSystem · signed webhook

Reconciliation matchedUser · independent source

Finality review

Completion is a decision supported by evidence.

Approval, provider proof, independent reconciliation and guardrails produce one reviewable decision.

Recorded approvalVerified

Funding controlVerified

Provider proofReceived

Independent reconciliationMatched

Operational guardrailsWithin policy

Multi-provider API

One lifecycle model across provider adapters.

Settlement, provider operation, funding and finality states remain stable across provider adapters.

GET/api/settlements/:id/finality

{
  "settlement": "SET-…",
  "provider": {
    "connection": "configured",
    "operation": "succeeded",
    "reference": "recorded"
  },
  "evidence": {
    "providerProof": "verified",
    "reconciliation": "matched",
    "approval": "recorded"
  },
  "decision": "ready_to_finalize"
}

Enterprise security

Controls follow the settlement, not the screen.

Tenant scope is enforced at server boundaries. Sensitive decisions require role policy, session assurance and an auditable actor.

Session assurance

TOTP MFA, recovery codes, lockout and short-lived step-up for sensitive operations.

Role enforcement

Six tenant roles with server-side mutation gates and sensitive financial-data masking.

Tenant isolation

Organization scope is applied to settlements, operations, reconciliation and audit queries.

Auditability

Append-only audit records capture privileged actions and configuration changes.

Webhook trust

Provider-specific signatures are verified before a delivery can affect settlement state.

Secret boundary

Credential values stay outside application records; only opaque manager references are retained.

Separation of dutiesCreator and approver are evaluated separately

Evidence provenanceProvider and independent records retain their source

Decision traceabilityFinality inputs and blockers remain inspectable

Controlled exceptionsUncertain outcomes require explicit intervention

Compliance operations

Operational evidence for review and oversight.

INRSettle supports control execution and evidence collection; licensing, provider diligence and regulatory obligations remain with the responsible parties.

Operating models

The same record answers different teams.

Each team sees the decisions it owns without losing the shared settlement context.

Settlement operations

What happens next?

A prioritized queue, current lifecycle stage, blockers and the next permitted action.

Treasury

Is the settlement funded?

Required amount, confirmed position, funding approver and provider execution gate.

Compliance

Can the decision be defended?

Approval provenance, provider proof, independent match and finality rationale.

Partnerships

Can another provider integrate?

Capabilities, connection posture, operations, webhooks and performance in one provider layer.

API

Integrate against stable settlement concepts.

Create and inspect settlement records, retrieve finality decisions, manage provider connections and receive tenant-scoped responses.

Explore the API model

Documentation

Understand controls before writing code.

Start with the lifecycle, approval model, provider boundary, webhook trust rules and reconciliation requirements.

Read the documentation

FAQ

Clear boundaries from the first conversation.

Operating responsibility stays explicit across customers, INRSettle and integrated providers.

Does INRSettle move customer money?

No. Execution and liquidity remain with integrated providers. INRSettle controls the workflow, records provider activity and evaluates settlement evidence.

Can one customer use more than one settlement provider?

Yes. Connections, capabilities and operations are tenant-scoped. The connector contract is provider-agnostic and supports explicit provider selection today and routing policy expansion over time.

Does provider success make a settlement final?

No. Provider completion is one input. Finality review also requires the applicable approval record, independent reconciliation and operational guardrails.

How are uncertain provider outcomes handled?

An uncertain execution is placed into review and is not automatically resubmitted. Operators must confirm provider status or record a controlled no-effect resolution.

Can a bank or partner review the evidence?

Authorized users can inspect the settlement timeline, proof, reconciliation records, provider operations and audit history from the same tenant-scoped workspace.

Enterprise deployment

Bring your settlement workflow and provider model.

We will map the controls, evidence sources and integration boundary required to operate the flow inside INRSettle.

Start the technical discussion Review security controls