Questions, answered

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.

Finance Officer records the purpose, amount, counterparty, requested date and account scope, then assigns the work to a person.

Credit Reviewer records an independent decision against the current revision with a reason. Use a separate reviewer for the person who submitted the instruction.

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.

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.

Each dated account snapshot keeps provider ledger and available balances with a provider snapshot ID and linked financial account.

The reviewer checks the same financial account, exact amount and confirmed occurrence date. A different amount or date remains unmatched or becomes an exception.

Inspect its receipt, external reference and recorded effects. Keep a result needing review visible until the team can verify what actually occurred.

Auditor reads authorized evidence and reports in a scoped, read-only view. Operational decisions and record changes remain with the responsible roles.