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Mobile Banking App Backend
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Mobile Banking App Backend · Available now

Control each bank instruction from preparation to reconciliation.

A treasury team prepares bank instructions with an owner, organization, counterparty, amount and debit and credit account scopes. An independent approver records a decision against the instruction revision.

Start now Download Proto
  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewMy Draft Instructions
Mobile Banking App Backend · Bank instructions

My Draft Instructions

Bank instructions in one list

New bank instruction
Bank instructions in view
6
Total amount USD
1,570
Draft
6
Record numberSubjectStatusAmount USDRequested atOwner
BI-21831Move payroll reserve to operating accountDraft38024 OctMateo Silva
BI-69038Fund customer refund settlementDraft8022 OctNoura Farouk
BI-38254Transfer weekend ATM cash reserveDraft36002 NovNoura Farouk
BI-30268Sweep branch receipts to treasuryDraft54022 OctSonia Patel
BI-99970Release approved vendor paymentsDraft11015 OctMarta Kowalski
6 of 6 records
Move payroll reserve to operating accountBank instructions · BI-21831
Draft
Amount USD380
Requested at24 Oct
OwnerMateo Silva
Review revisionBI-21831 · Move payroll reserve to operating account

Independent Treasury Approver decides on the frozen instruction revision

Waiting for Independent Treasury Approver
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
12
Roles with set permissions
5
Reports and dashboards
8
Features

Treasury work in one place

Every feature works on the same records. Pick one to see the screen your team works in.

Instruction preparation

Build a bank request with an accountable owner and balanced account scope.

  • Instruction identity
  • Account scope
  • Supporting material
  • Bank instructions
  • Instruction accounts
  • Financial accounts
  • Financial counterparties
  • Record attachments
Explore instruction preparation
OverviewConfirmed Instructions
Mobile Banking App Backend · Instruction preparation

Confirmed Instructions

Bank instructions

New
Record numberSubjectAmount USDConfirmed atProvider instruction IDCounterparty
BI-52600Move payroll reserve to operating account40004 NovBNK-2026-101401Westhaven Settlement Bank
BI-37407Fund customer refund settlement18027 OctBNK-2026-101407Meadowcrest Financial Services
BI-91432Transfer weekend ATM cash reserve66023 OctBNK-2026-101512Meadowcrest Financial Services
BI-13487Sweep branch receipts to treasury48028 OctBNK-2026-101518Stonebrook Correspondent Bank
BI-65401Release approved vendor payments16031 OctBNK-2026-101603Harborpath Liquidity Trust
6 of 6 records
Move payroll reserve to operating accountBank instructions · BI-52600
Amount USD400
Confirmed at04 Nov
Provider instruction IDBNK-2026-101401
CounterpartyWesthaven Settlement Bank
Example screen with sample data
Process

From request to reconciled outcome

From bank request to reconciled outcome ships ready to use. One step needs a named approval before the work moves on: Review revision (Independent Treasury Approver).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Prepare instruction

    Record the request and account scope

    Move payroll reserve to operating accountBI-21831 · Treasury Preparer
    Prepare instructionBy Treasury Preparer

  2. Review revision

    An independent approver decides on the current revision

    Move payroll reserve to operating accountBI-21831 · Independent Treasury Approver
    Review revisionBy Independent Treasury Approver
    ApprovalIndependent Treasury Approver decides on the frozen instruction revision

  3. Submit instruction

    Send the authorized request and retain provider identity

    Move payroll reserve to operating accountBI-21831 · Treasury Preparer
    Submit instructionBy Treasury Preparer

  4. Verify provider outcome

    Check verified confirmation or settlement evidence

    Move payroll reserve to operating accountBI-21831 · Treasury Preparer
    Verify provider outcomeBy Treasury Preparer

  5. Reconcile movement

    Match account, amount and occurrence date

    Move payroll reserve to operating accountBI-21831 · Reconciliation Analyst
    Reconcile movementBy Reconciliation Analyst

  6. Inspect completion

    Compare the receipt with saved effects

    Move payroll reserve to operating accountBI-21831 · Treasury Preparer
    Inspect completionBy Treasury Preparer

Start with Instruction authorization

Inside a record

Provider evidence with clear ownership

Open any bank instruction to see its bank evidence, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Amount USD, Requested at and Owner.

  2. 2
    Bank evidence

    Each line is linked to this bank instruction.

  3. 3
    Who works on it

    Treasury Preparer and Reconciliation Analyst, each with their own permissions.

  4. 4
    Process stages

    Prepare instruction, with the role that acts.

  5. 5
    Approvals

    Review revision, with who decides.

My Draft InstructionsMove payroll reserve to operating account
Mobile Banking App Backend · Bank instructions

Move payroll reserve to operating account

Draft

Log activity
1
Record details
Amount USD380
Requested at24 Oct
OwnerMateo Silva
2
Bank evidence

Move payroll reserve to operating account

ParentEvidence typeProvider event ID
Sweep branch receipts to treasuryStatementEVT-BNK-260418
Rebalance foreign currency liquidityConfirmationEVT-BNK-260431
Sweep branch receipts to treasurySettlementEVT-BNK-260452
Bank evidence
6
Total amount USD
3,430
3

Who works on it

  • Treasury PreparerManage bank instructions, device enrollments, record attachments
  • Reconciliation AnalystManage account snapshots, reconciliation items
4

Process stages

  • Prepare instructionTreasury Preparer
5

Approvals

  • Review revisionIndependent Treasury Approver
    Approved
Example screen with sample data
Approvals

Independent decisions on each revision

The person preparing an instruction cannot approve the same submission.

OverviewApprovals
Mobile Banking App Backend · Overview

Approvals

Signed in as Independent Treasury Approver

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • BI-44149Move payroll reserve to operating account
    Requested by Julian Ortega
    Review3dActions
  • BI-18062Fund customer refund settlement
    Requested by Leena Shah
    Review3dActions
  • BI-91354Transfer weekend ATM cash reserve
    Requested by Avery Brooks
    Review5dActions
  • BI-66379Sweep branch receipts to treasury
    Requested by Avery Brooks
    Review5dActions

Who approves what

DecisionApprover
Review revisionAn independent approver decides on the current revisionIndependent Treasury Approver
1 approval rule · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Mobile Banking App Backend 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.

OverviewConfirmed Instructions

Confirmed Instructions

Bank instructions · Auditor

Record numberSubjectAmount USDConfirmed atProvider instruction IDCounterparty
BI-52600Move payroll reserve to operating account40004 NovBNK-2026-101401Westhaven Settlement Bank
BI-37407Fund customer refund settlement18027 OctBNK-2026-101407Meadowcrest Financial Services
BI-91432Transfer weekend ATM cash reserve66023 OctBNK-2026-101512Meadowcrest Financial Services
BI-13487Sweep branch receipts to treasury48028 OctBNK-2026-101518Stonebrook Correspondent Bank
BI-65401Release approved vendor payments16031 OctBNK-2026-101603Harborpath Liquidity Trust
6 of 6 records
Example screen with sample data

Roles and permissions

Reports

Questions answered from the records

Answer operational questions from instruction, provider and reconciliation records.

Overview
Mobile Banking App Backend · Overview

Mobile Banking App Backend dashboard

This quarter

Device enrollments in view
6
Submitted
6

Bank instructions by status

How far records got this quarter

StageReachedStep
Draft29
Review828%
Authorized113%
Submitted1100%

Amount USD by status

Sample totals per stage

2.0k0
2.0kDraft
-3000Review
-5000Authorized
-2000Submitted
-5000Pending
Example screen with sample data
  1. 01Instruction pipeline

    Group bank instructions by Status, Organization and Owner and total amount USD.

  2. 02Approval decisions

    Read review decisions by Decision, Reviewer and decided at for each Parent and source revision.

  3. 03Provider outcome lag

    Compare requested at and confirmed at for confirmed bank instructions by Counterparty.

  4. 04Unmatched provider movements

    List reconciliation items by State, Account, occurred at and amount USD.

  5. 05Account snapshot history

    Compare account snapshots ledger USD and available USD by Account and as of.

  6. 06Operation exceptions

    Group operation receipts by result state and Action with failure reason and occurred at.

  7. 07Evidence by instruction

    Show bank instructions with child bank evidence by evidence type, Verified and occurred at.

  8. 08Enrollment outcomes

    Group device enrollments by Status, Organization and decision at.

All reports and dashboards

Who it's for

Built for treasury operations

See how Mobile Banking App Backend fits your kind of team.

Banking operations

Coordinate instruction review and provider evidence across banking operations teams.

Corporate treasury

Keep company cash movements accountable from request to bank reconciliation.

Custody and settlement

Trace custodian instructions and settlement evidence with clear decision ownership.

Controls

Inspect every saved effect

Each stage, from bank request to reconciled outcome, names the role that acts and the status it records, so a change is never anonymous.

OverviewFrom bank request to reconciled outcome
Mobile Banking App Backend · Process

From bank request to reconciled outcome

Each stage, the role that acts and the status it records

Process stages
9
Approval steps
1
Roles involved
4
Tables touched
7
Check supporting scope
Treasury Preparer
StatusDraft → Review
RecordsFinancial accounts, Record attachments
Review revisionApproval
Independent Treasury Approver
StatusReview → Authorized
RecordsReview decisions
Submit instruction
Treasury Preparer
StatusAuthorized → Submitted
From bank request to reconciled outcome
  1. Start
    Check supporting scopeDraft → Review
    Financial accounts
  2. Approval
    Review revisionReview → Authorized
    Review decisions
  3. Step
    Submit instructionAuthorized → Submitted
    Treasury Preparer
  4. Step
    Track provider responseSubmitted → Pending
    Bank evidence
  5. Step
    Verify provider outcomePending → Confirmed
    Bank evidence
Example screen with sample data

See each stage in detail

AI agent

Help with the work in front of you

Ask Proto to help prepare and inspect treasury work with human decisions kept explicit.

It can

  • Treasury Preparer: Ask for drafts you own, their account scopes and the evidence still needed for review.
  • Approver: Ask which requests await an independent decision and what revision and supporting material each carries.
  • Reconciliation Analyst: Ask for unmatched movements and the confirmed instructions on the same account.
  • Auditor: Ask for a decision and provider evidence trail for a specific instruction.

Stays with a person

  • An assistant can organize records and point out discrepancies.
  • It cannot substitute for the Independent Treasury Approver's decision, treat a submitted request as provider confirmation or force a mismatched movement into reconciliation.
  • A person remains responsible for each approval and provider exception.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Mobile Banking App Backend
  • Bank or custodian
  • Account feeds
  • Identity system
  • Document source
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 tables
15tables
  • Instruction preparation5
  • Independent review6
  • Provider evidence4
  • Accounts and counterparties6
  • Bank reconciliation6
  • Operation controls6
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Define scope

    Choose the first organization, counterparty, accounts and people who will operate the pilot.

  2. Prepare records

    Check account identities, team membership and instruction naming conventions.

  3. Rehearse decisions

    Move a draft into review and have an independent approver decide on the exact revision.

  4. Connect provider evidence

    Establish the provider identity and event exchange, then verify a confirmation against the request.

  5. Reconcile

    Compare a source movement and dated snapshot with the confirmed instruction, including an exception case.

Read the implementation plan

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

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Mobile Banking App Backend.

All questions
How do I get started?

Click Get started, then use Proto to configure Mobile Banking App Backend for your business. Begin with one organization, one eligible counterparty and a representative instruction that can be reviewed and reconciled.

Who prepares a bank instruction?

Treasury Preparer owns the draft, account scope and supporting documents. The instruction keeps its owner and organization visible through review.

Who approves the instruction?

Independent Treasury Approver reviews the current revision and records a decision with a reason. The preparer cannot approve their own request.

When is a request confirmed?

A request reaches confirmation after verified provider confirmation or settlement evidence is linked to it. Submission alone is an earlier step.

How do we inspect a delayed provider response?

Look at the provider instruction identity, bank evidence and operation receipt together. Assign an owner to investigate the pending case.

What happens when an instruction changes after review?

The changed revision needs a fresh independent decision. The earlier decision stays available in the history.

How are bank movements matched?

Compare the provider movement with a confirmed instruction for the same account, exact amount and confirmed occurrence date. Differences remain open for investigation.

Can administrators approve transactions?

App Administrator maintains organization configuration and membership. Financial approval belongs to Independent Treasury Approver.

What can an auditor see?

Auditor has a scoped, read-only view of authorized evidence, decisions and reports without record writes or action execution.

Set up Mobile Banking App Backend your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

A personal agent for your business

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