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- Neobank Backend
- Who it's for
- Payment program operators
Payment program operators
A payment program operator can coordinate banking instructions across a preparer, an independent reviewer and a banking provider. The instruction is the parent record for account scope, attachments, decisions and provider evidence. Its provider identifier helps the team distinguish an accepted submission from a case still waiting for an outcome.
How Neobank Backend is set up for you
Program scope
Keep the organization and eligible financial counterparty on each instruction.
Account direction
Record debit and credit lines against the provider-held financial accounts involved.
Provider response
Check a verified confirmation or settlement before marking the instruction confirmed.
Exception trail
Preserve an unmatched provider movement with its event identifier, date and amount.
A payment program operator can coordinate banking instructions across a preparer, an independent reviewer and a banking provider. The instruction is the parent record for account scope, attachments, decisions and provider evidence. Its provider identifier helps the team distinguish an accepted submission from a case still waiting for an outcome.
Choose a program whose provider account identifiers and source events are available for a rehearsal. Enter its financial account and eligible counterparty, then have Treasury Preparer create an instruction with an owner and requested date. Independent Treasury Approver checks the submitted revision and account scope, records a reasoned decision and leaves the parent instruction available for the provider handoff.
Submit the authorized instruction through the provider connection configured for the program. Record its provider identifier and wait for a verified event before confirmation. Introduce a delayed event to rehearse the pending state. After confirmation, compare a provider movement with the exact account, amount and occurrence date; leave a differing movement unmatched or exceptional. Inspect the operation receipt if a response is interrupted, checking persisted effects instead of repeating the external action. Agree who receives provider evidence and who resolves the discrepancy before expanding the program scope.
Features to start with
Roles on the team
- Auditor
- Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
- App Administrator
- Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
- Independent Treasury Approver
- Review eligible instruction 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.
- Treasury Preparer
- 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.
Set up Neobank Backend your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.