Integrations
Connects to the tools you use
Set up connections through ERP.AI and Proto workflows, with every change logged.
- BNPL (Buy Now Pay Later)
- Banking provider
- Provider statements and movement source
- User membership
BNPL (Buy Now Pay Later) · Available now
Example screen with sample data
Track banking instructions from review to provider evidence.
Finance officers prepare banking instructions for an organization and eligible counterparty. Each instruction records a purpose, amount, assigned person, requested date and debit or credit account scope.
- No per-user fees
- Manual work is free
- Configure it in Proto
OverviewInstructions Awaiting Review×
BNPL (Buy Now Pay Later) · Applications
New application
Instructions Awaiting Review
Applications in one list
Applications in view
6Total amount USD
2,710| Record number | Purpose | Amount USD | Revision | Assigned to | Party | |
|---|---|---|---|---|---|---|
| APP-44734 | Open merchant settlement account | 810 | 810 | Ethan Brooks | Granite Harbor Trust | |
| APP-63398 | Fund approved dealer payouts | 130 | 740 | Tomas Velasquez | Elmcrest Banking Partners | |
| APP-81149 | Move collections to reserve | 740 | 790 | Leila Haddad | Cedar Reach Bank | |
| APP-47798 | Release refunds after review | 90 | 300 | Leila Haddad | Granite Harbor Trust | |
| APP-71595 | Top-up dispute reserve | 140 | 370 | Elena Marquez | Granite Harbor Trust |
6 of 6 records
Open merchant settlement accountApplications · APP-44734
Amount USD810
Revision810
Assigned toEthan Brooks
PartyGranite Harbor Trust
Review instructionAPP-44734 · Open merchant settlement account
Credit Reviewer independently approves or rejects the instruction revision.
Waiting for Credit Reviewer
ApproveReturn
- Tables, ready to use
- 15
- Saved views
- 12
- Roles with set permissions
- 5
- Reports and dashboards
- 8
Features
Banking work in one operating view
Every feature works on the same records. Pick one to see the screen your team works in.
Banking instructions
Keep a banking instruction tied to its organization, counterparty and accountable finance officer.
- Prepare the case
- Keep revisions clear
- Follow the provider
- Applications
OverviewMy Instructions×
BNPL (Buy Now Pay Later) · Banking instructions
New
My Instructions
Applications
| Record number | Purpose | Status | Amount USD | Requested at | Assigned to | |
|---|---|---|---|---|---|---|
| APP-34351 | Open merchant settlement account | Draft | 840 | 20 Oct | Tomas Velasquez | |
| APP-57084 | Fund approved dealer payouts | Review | 300 | 02 Nov | Maya Iyer | |
| APP-97159 | Move collections to reserve | Authorized | 550 | 11 Oct | Tomas Velasquez | |
| APP-42684 | Release refunds after review | Submitted | 620 | 25 Oct | Julian Moreau | |
| APP-77079 | Top-up dispute reserve | Pending | 250 | 01 Nov | Daniel Okafor |
6 of 6 records
Open merchant settlement accountApplications · APP-34351
DraftAmount USD840
Requested at20 Oct
Assigned toTomas Velasquez
Review and decisions
Give every instruction decision a named reviewer, revision and reason.
- Check the revision
- Record a reason
- Return changed work
- Applications
- Credit decisions
- People
OverviewConfirmed Instructions×
BNPL (Buy Now Pay Later) · Review and decisions
New
Confirmed Instructions
Applications
| Record number | Confirmed at | Value date | Amount USD | Provider instruction ID | |
|---|---|---|---|---|---|
| APP-40331 | 26 Oct | 30 Oct | 760 | HVB-INS-2026-0142 | |
| APP-20434 | 29 Oct | 01 Nov | 960 | MCT-INS-2026-0143 | |
| APP-97744 | 27 Oct | 31 Oct | 530 | WCB-INS-2026-0144 | |
| APP-78153 | 29 Oct | 03 Nov | 890 | CRB-INS-2026-0145 | |
| APP-97916 | 16 Oct | 21 Oct | 760 | OSS-INS-2026-0146 |
6 of 6 records
HVB-INS-2026-0142Applications · APP-40331
Confirmed at26 Oct
Value date30 Oct
Amount USD760
Provider accounts
Track account applications, provider identifiers and dated balances.
- Track the request
- Record the provider outcome
- Identify the account
- Account applications
- Financial accounts
- Account snapshots
OverviewAccount Applications Awaiting Decision×
BNPL (Buy Now Pay Later) · Provider accounts
New
Account Applications Awaiting Decision
Approval conditions
| Parent | Applicant | Initial deposit USD | Revision | Submitted at | |
|---|---|---|---|---|---|
| Fund payout reserve for Alder Lane Goods | North Quay Retail Group | 460 | 150 | 15 Oct | |
| Increase Clearpath merchant settlement limit | Alder Lane Goods | 450 | 90 | 14 Oct | |
| Release held funds for approved returns | Moss Harbor Outfitters | 730 | 930 | 31 Oct | |
| Reconcile Friday merchant payout batch | Pinevale Home Supply | 500 | 110 | 20 Oct | |
| Transfer installment collections to reserve | Cedar Arch Electronics | 900 | 930 | 24 Oct |
6 of 6 records
North Quay Retail GroupAccount applications · AA-87192
ParentFund payout reserve for Alder Lane Goods
Initial deposit USD460
Revision150
Submitted at15 Oct
Account scope
Make the debit and credit sides of each instruction inspectable.
- Choose accounts
- Balance the lines
- Recheck changes
- Instruction accounts
- Applications
- Financial accounts
OverviewActive Financial Accounts×
BNPL (Buy Now Pay Later) · Account scope
New
Active Financial Accounts
Financial accounts
| Account code | Provider | External account ID | Currency | Owner | |
|---|---|---|---|---|---|
| SETTLE-USD-01 | Hearthvale Settlement Bank | HVB-78362451 | USD | Mariner Custody Trust | |
| COLLECT-USD-02 | Mariner Custody Trust | MCT-18490572 | EUR | Osprey Settlement Services | |
| REFUND-USD-03 | Westfield Clearing Bank | WCB-67031849 | GBP | Osprey Settlement Services | |
| DEALER-USD-04 | Cedar Reach Bank | CRB-52147630 | CAD | Hearthvale Settlement Bank | |
| DISPUTE-USD-05 | Osprey Settlement Services | OSS-39821467 | JPY | Elmcrest Banking Partners |
6 of 6 records
SETTLE-USD-01Financial accounts · FA-85028
USDProviderHearthvale Settlement Bank
External account IDHVB-78362451
OwnerMariner Custody Trust
Evidence and receipts
Keep provider proof and operation outcomes attached to the instruction.
- Keep source events
- Keep supporting files
- Inspect uncertain actions
- Assessment evidence
- Record attachments
- Operation receipts
- Applications
OverviewUnverified Provider Evidence×
BNPL (Buy Now Pay Later) · Evidence and receipts
New
Unverified Provider Evidence
Assessment evidence
| Application | Evidence type | Provider event ID | Occurred at | Amount USD | |
|---|---|---|---|---|---|
| Increase Clearpath merchant settlement limit | Statement | HVB-EVT-2026-1181 | 26 Oct | 410 | |
| Open settlement account for North Quay Retail | Confirmation | MCT-EVT-2026-1182 | 15 Oct | 570 | |
| Setup weekly dealer disbursements | Settlement | WCB-EVT-2026-1183 | 15 Oct | 480 | |
| Setup weekly dealer disbursements | Correction | CRB-EVT-2026-1184 | 17 Oct | 670 | |
| Transfer installment collections to reserve | Statement | OSS-EVT-2026-1185 | 22 Oct | 560 |
6 of 6 records
HVB-EVT-2026-1181Assessment evidence · AE-70309
StatementApplicationIncrease Clearpath merchant settlement limit
Occurred at26 Oct
Amount USD410
Reconciliation
Compare provider movements and balances with confirmed instructions.
- Identify the movement
- Compare exact facts
- Investigate differences
- Reconciliation items
- Account snapshots
- Financial accounts
- Applications
OverviewUnmatched Provider Movements×
BNPL (Buy Now Pay Later) · Reconciliation
New
Unmatched Provider Movements
Reconciliation items
| Provider event ID | Occurred at | Amount USD | State | Account | Matched instruction | |
|---|---|---|---|---|---|---|
| HVB-EVT-2026-1181 | 28 Oct | 570 | Unmatched | Weekend liquidity, reserve USD | Fund payout reserve for Alder Lane Goods | |
| MCT-EVT-2026-1182 | 13 Oct | 20 | Exception | Refunds reserve, operating USD | Fund payout reserve for Alder Lane Goods | |
| WCB-EVT-2026-1183 | 26 Oct | 260 | Unmatched | Refunds reserve, operating USD | Fund payout reserve for Alder Lane Goods | |
| CRB-EVT-2026-1184 | 20 Oct | 500 | Exception | Installment collections, clearing USD | Transfer installment collections to reserve | |
| OSS-EVT-2026-1185 | 27 Oct | 900 | Unmatched | Installment collections, clearing USD | Reconcile Friday merchant payout batch |
6 of 6 records
HVB-EVT-2026-1181Reconciliation items · RI-52066
UnmatchedOccurred at28 Oct
Amount USD570
AccountWeekend liquidity, reserve USD
Matched instructionFund payout reserve for Alder Lane Goods
Process
From instruction to provider evidence
Banking instruction to provider reconciliation ships ready to use. One step needs a named approval before the work moves on: Review instruction (Credit Reviewer).
Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.
-
Prepare instruction
Record organization, party, purpose, amount and account scope.
Open merchant settlement accountAPP-44734 · Finance OfficerPrepare instructionBy Finance Officer -
Review instruction
Credit Reviewer decides on the current instruction revision.
Open merchant settlement accountAPP-44734 · Credit ReviewerReview instructionBy Credit ReviewerApprovalCredit Reviewer independently approves or rejects the instruction revision. -
Submit to provider
Keep the provider instruction reference with the case.
Open merchant settlement accountAPP-44734 · Finance OfficerSubmit to providerBy Finance Officer -
Confirm provider effect
Verify confirmation or settlement evidence before confirming.
Open merchant settlement accountAPP-44734 · Finance OfficerConfirm provider effectBy Finance Officer -
Reconcile movements
Match source movements on account, amount and date.
Open merchant settlement accountAPP-44734 · Credit ReviewerReconcile movementsBy Credit Reviewer -
Resolve exceptions
Inspect mismatches and uncertain operation receipts.
Open merchant settlement accountAPP-44734 · Credit ReviewerResolve exceptionsBy Credit Reviewer
Inside a record
Provider facts with clear source IDs
Open any application to see its account applications, the roles that work on it, its process stages and its approvals on one page.
- 1Record details
Amount USD, Revision, Assigned to and Party.
- 2Account applications
Each line is linked to this application.
- 3Who works on it
Finance Officer and Admin, each with their own permissions.
- 4Process stages
Prepare instruction, with the role that acts.
- 5Approvals
Review instruction, with who decides.
Instructions Awaiting ReviewOpen merchant settlement account×
BNPL (Buy Now Pay Later) · Applications
Log activity
Open merchant settlement account
Granite Harbor Trust
1
Record details
Amount USD810
Revision810
Assigned toEthan Brooks
PartyGranite Harbor Trust
2
Account applications
Open merchant settlement account
| Parent | Status | Provider application ID |
|---|---|---|
| Release held funds for approved returns | Approved | HVB-APP-2026-0281 |
| Open settlement account for North Quay Retail | Completed | MCT-APP-2026-0282 |
| Setup weekly dealer disbursements | Approved | WCB-APP-2026-0283 |
- Account applications
- 6
3
Who works on it
- Finance OfficerManage account applications, Applications, record attachments
- AdminManage Users
4
Process stages
- Prepare instructionFinance Officer
5
Approvals
- Review instructionCredit ReviewerApproved
Approvals
A named decision for each revision
Credit Reviewer makes an independent decision on the current instruction revision.
OverviewApprovals×
BNPL (Buy Now Pay Later) · Overview
Approvals
Signed in as Credit Reviewer
Waiting for you
4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
- APP-44734Open merchant settlement accountWaiting1dActions
- APP-63398Fund approved dealer payoutsWaiting3dActions
- APP-81149Move collections to reserveWaiting4dActions
- APP-47798Release refunds after reviewWaiting3dActions
Who approves what
| Decision | Approver | |
|---|---|---|
| Review instructionCredit Reviewer decides on the current instruction revision. | Credit Reviewer |
1 approval rule · set per role in Proto
Roles
A workspace for each role
Everyone opens BNPL (Buy Now Pay Later) to the work that is theirs. Pick a role to see what it starts with.
Auditor
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
This is the first screen this role sees.
OverviewProvider Account Openings×
Provider Account Openings
Account applications · Auditor
Approved3
HVB-APP-2026-0281Release held funds for approved returns
03 Nov
WCB-APP-2026-0283Set up weekly dealer disbursements
26 Oct
OSS-APP-2026-0285Increase Clearpath merchant settlement limit
15 Oct
Add
Completed3
MCT-APP-2026-0282Open settlement account for North Quay Retail
12 Oct
CRB-APP-2026-0284Open settlement account for North Quay Retail
01 Nov
GHT-APP-2026-0286Reconcile Friday merchant payout batch
20 Oct
Add
App Administrator
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
- Manage Organizations, Parties, People
Credit Reviewer
Review eligible application revisions independently and reconcile operational evidence. Approve or reject through guarded actions only; no unrestricted editing of protected or executed records; a reviewer cannot approve their own submission.
This is the first screen this role sees.
OverviewProvider Outcomes Pending×
Provider Outcomes Pending
Applications · Credit Reviewer
Submitted3
HVB-INS-2026-0142APP-53465
20
21 OctWCB-INS-2026-0144APP-49567
440
11 OctOSS-INS-2026-0146APP-74765
410
04 NovAdd
Pending3
MCT-INS-2026-0143APP-31657
110
24 OctCRB-INS-2026-0145APP-45200
890
27 OctGHT-INS-2026-0147APP-11302
400
04 NovAdd
Finance Officer
Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.
This is the first screen this role sees.
OverviewProvider Outcomes Pending×
Provider Outcomes Pending
Applications · Finance Officer
Submitted3
HVB-INS-2026-0142APP-53465
20
21 OctWCB-INS-2026-0144APP-49567
440
11 OctOSS-INS-2026-0146APP-74765
410
04 NovAdd
Pending3
MCT-INS-2026-0143APP-31657
110
24 OctCRB-INS-2026-0145APP-45200
890
27 OctGHT-INS-2026-0147APP-11302
400
04 NovAdd
Admin
Maintain user membership and access settings without approving banking instructions or executing financial actions.
- Manage Users
- View Organizations, People, Applications
Reports
See the work waiting for action
Inspect instruction progress, provider balances and unresolved movements.
Overview×
BNPL (Buy Now Pay Later) · Overview
BNPL (Buy Now Pay Later) dashboard
This quarter
Account applications in view
6Approved
3Completed
3Applications by status
How far records got this quarter
| Stage | Reached | Step | |
|---|---|---|---|
| Draft | 49 | ||
| Review | 25 | 51% | |
| Authorized | 15 | 60% | |
| Submitted | 10 | 67% |
Amount USD by status
Sample totals per stage
- 01Instruction status by organization
Group Applications by Organization and Status, then total amount USD.
- 02Reviewer decision trail
List credit decisions with Decision, source revision, decided at, Reviewer and Application.
- 03Provider outcome timing
Compare requested at and confirmed at for Applications with a confirmed outcome.
- 04Account opening pipeline
Group account applications by Organization and Status and total initial deposit USD.
- 05Account snapshot balances
List each account snapshots as of date with ledger USD and available USD by Account.
- 06Movement exceptions
Show reconciliation items in Exception with provider event ID, Account, occurred at and amount USD.
- 07Receipt outcome audit
Show operation receipts Action, expected revision, result state, occurred at and failure reason.
- 08Instruction account balance
Group instruction accounts by Instruction and Direction and total amount USD.
Who it's for
For provider-facing treasury teams
See how BNPL (Buy Now Pay Later) fits your kind of team.
Controls
Trace every decision and source movement
Each stage of banking instruction to provider reconciliation names the role that acts and the status it records, so a change is never anonymous.
OverviewBanking instruction to provider reconciliation×
BNPL (Buy Now Pay Later) · Process
Banking instruction to provider reconciliation
Each stage, the role that acts and the status it records
Process stages
9Approval steps
1Roles involved
3Tables touched
8Request review
Finance OfficerStatusDraft → Review
RecordsRecord attachments
Review instructionApproval
Credit ReviewerStatusReview → Authorized
RecordsCredit decisions
Submit to provider
Finance OfficerStatusAuthorized → Submitted
- StartRecord attachmentsRequest reviewDraft → Review
- ApprovalCredit decisionsReview instructionReview → Authorized
- StepFinance OfficerSubmit to providerAuthorized → Submitted
- StepAssessment evidenceObserve provider outcomeSubmitted → Pending
- StepFinance OfficerConfirm provider effectPending → Confirmed
AI agent
Ask Proto about the record trail
Ask Proto to help inspect banking instructions, decisions and provider exceptions.
It can
- Finance Officer: List assigned instructions awaiting review or provider outcome, with their record numbers and responsible parties.
- Credit Reviewer: Summarize the current instruction revision, account scope and supporting evidence before an independent decision.
- Auditor: Trace a confirmed instruction through its decision, provider evidence, movement and operation receipt.
- App Administrator: Check organization and person links before the first operating cycle.
Stays with a person
- Proto should keep human financial decisions with the responsible reviewer.
- It should not infer provider settlement from a submitted request, force an unmatched movement into an instruction or replace a missing external confirmation.
- Ask it to show the records behind a conclusion and leave a discrepancy for the responsible person to investigate.
Show the provider movements in Exception for this account. For each movement, show its event ID, occurrence date and amount, then identify any confirmed instruction on the same account that needs human review.
Proto should keep human financial decisions with the responsible reviewer.
Data model
Your data, in tables you can change
Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.
Browse all 15 tables15tables
- Banking instructions1
- Review and decisions3
- Provider accounts3
- Account scope3
- Evidence and receipts4
- Reconciliation4
Implementation
Roll out one team at a time
Start with one team and one process, then add the rest once the basics are running.
Confirm scope
Name the organizations, banking counterparties and treasury cases the first operating cycle will cover.
Set access
Link people to users and rehearse preparation, independent review, administration and audit access.
Load provider context
Record active parties and financial accounts with provider and external identifiers.
Rehearse an instruction
Prepare account lines, attach support, record a review decision and track the provider outcome.
Reconcile the result
Bring in a provider movement and dated snapshot, then inspect both a match and an exception.
Pricing
$0per user
The base account and everyday work in the ERP.AI app are free, for every user.
- No per-user or per-seat fees
- Viewing, editing, approving and exporting records in the app is free
- Pay only for machine work: API calls, imports, workflows and AI agents
- Prepaid credits from $5. Purchased credits never expire
Machine work rate card Included per $1 of credit
| Usage | Per $1 |
|---|---|
| Record reads (list, filter, get) | 20,000 |
| Search or aggregate queries | 4,000 |
| Record writes | 4,000 |
| Imported or synced records | 200,000 |
| Workflow runs | 2,000 |
| AI agent runs | 2,000 |
| Scheduled jobs or webhooks | 20,000 |
| File uploads (MB) | 2,000 |
| CSV or PDF exports | 100 |
How do I get started?
Click Get started, then use Proto to configure BNPL (Buy Now Pay Later) for your business. Pilot one organization, one provider account and an instruction that your team can review through provider evidence and reconciliation.
Who prepares an instruction?
Finance Officer records the purpose, amount, counterparty, requested date and account scope, then assigns the work to a person.
Who decides whether an instruction can proceed?
Credit Reviewer records an independent decision against the current revision with a reason. Use a separate reviewer for the person who submitted the instruction.
When is a provider instruction confirmed?
Confirm it after verified provider confirmation or settlement evidence supports the outcome. A provider reference alone identifies the external case; it does not establish the final effect.
How does account opening relate to an instruction?
An account application links to a parent instruction and organization. It records the applicant, initial deposit and provider application reference as the request moves through its recorded statuses.
Where are provider balances kept?
Each dated account snapshot keeps provider ledger and available balances with a provider snapshot ID and linked financial account.
How are provider movements matched?
The reviewer checks the same financial account, exact amount and confirmed occurrence date. A different amount or date remains unmatched or becomes an exception.
What happens when an operation result is unclear?
Inspect its receipt, external reference and recorded effects. Keep a result needing review visible until the team can verify what actually occurred.
Can an auditor change an instruction?
Auditor reads authorized evidence and reports in a scoped, read-only view. Operational decisions and record changes remain with the responsible roles.
Set up BNPL (Buy Now Pay Later) your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.