Trace every bank instruction from review to provider confirmation.
Open Banking API Platform organizes an organization's bank instructions, financial accounts, counterparties and the evidence returned by providers. A Treasury Preparer records the intended amount, account direction, owner and counterparty.
Open Banking API Platform · Reconciliation and receipts
Unmatched Movements
Reconciliation items
New
Provider event ID
Occurred at
Amount USD
State
Account
Matched instruction
evt_26_71042
17 Oct
960
Unmatched
Settlement reserve, Morrow Trust
Sweep operating cash to reserve account
evt_26_71058
29 Oct
850
Exception
Payroll clearing, North Quay
Pay monthly settlement to Cedar Bank
evt_26_71073
14 Oct
710
Unmatched
Payroll clearing, North Quay
Fund regional tax account
evt_26_71104
26 Oct
330
Exception
Payroll clearing, North Quay
Move payroll funding to disbursement account
evt_26_71125
26 Oct
830
Unmatched
Receivables collection, Willow Ridge
Fund regional tax account
6 of 6 records
evt_26_71042Reconciliation items · RI-16524
Unmatched
Occurred at17 Oct
Amount USD960
AccountSettlement reserve, Morrow Trust
Matched instructionSweep operating cash to reserve account
Example screen with sample data
Process
From preparation to reconciled evidence
From bank instruction to reconciled evidence ships ready to use. One step needs a named approval before the work moves on: Decide Authorization (Independent Treasury Approver).
Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.
Prepare Instruction
Record the owner, amount, counterparty and account scope.
Sweep operating cash to reserve accountBI-93128 · Treasury Preparer
Prepare InstructionBy Treasury Preparer
Submit for Review
Send the current revision to an independent reviewer.
Sweep operating cash to reserve accountBI-93128 · Treasury Preparer
Submit for ReviewBy Treasury Preparer
Decide Authorization
The approver records a reasoned decision on that revision.
Sweep operating cash to reserve accountBI-93128 · Independent Treasury Approver
Everyone opens Open Banking API Platform 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.
OverviewInstructions by Status×
Instructions by Status
Bank instructions · Auditor
Draft1
Sweep operating cash to reserve accountBI-93128
950DC
23 Oct
Add
Review1
Pay monthly settlement to Cedar BankBI-30740
350DC
12 Oct
Add
Authorized1
Move payroll funding to disbursement accountBI-66912
300LF
30 Oct
Add
Submitted1
Return duplicate supplier paymentBI-59185
130IS
30 Oct
Add
Pending1
Transfer collateral to custody accountBI-43310
260DC
26 Oct
Add
Example screen with sample data
App Administrator
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
This is the first screen this role sees.
OverviewActive Counterparties×
Active Counterparties
Financial counterparties · App Administrator
Name
Code
Contact name
Eligibility note
Organization
Cedar Valley Bank
CVB-US
Evelyn Arora
Domestic USD transfers approved
Westhaven Treasury Co.
North Quay Credit Union
NQCU-US
Mateo Salim
Requires dual approval above $50,000
Riverstone Finance Co.
Morrow Trust Company
MTC-US
Linnea Costa
Custody instructions only
Alderfield Treasury Group
Pinecrest Custody Services
PCS-US
Hassan Voss
Settlement window closes at 4 pm
Fernbridge Operations
Harbor Ledger Bank
HLB-US
Priya Bako
Account consent renews quarterly
Riverstone Finance Co.
6 of 6 records
Example screen with sample data
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.
This is the first screen this role sees.
OverviewInstructions by Status×
Instructions by Status
Bank instructions · Independent Treasury Approver
Draft1
Sweep operating cash to reserve accountBI-93128
950DC
23 Oct
Add
Review1
Pay monthly settlement to Cedar BankBI-30740
350DC
12 Oct
Add
Authorized1
Move payroll funding to disbursement accountBI-66912
300LF
30 Oct
Add
Submitted1
Return duplicate supplier paymentBI-59185
130IS
30 Oct
Add
Pending1
Transfer collateral to custody accountBI-43310
260DC
26 Oct
Add
Example screen with sample data
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.
This is the first screen this role sees.
OverviewDraft Instructions×
Draft Instructions
Bank instructions · Treasury Preparer
Record number
Subject
Amount USD
Requested at
Counterparty
BI-77314
Sweep operating cash to reserve account
280
04 Nov
Pinecrest Custody Services
BI-18852
Pay monthly settlement to Cedar Bank
450
31 Oct
Willow Ridge Financial
BI-12084
Move payroll funding to disbursement account
90
20 Oct
Cedar Valley Bank
BI-60490
Return duplicate supplier payment
210
21 Oct
Pinecrest Custody Services
BI-55253
Transfer collateral to custody account
760
23 Oct
Willow Ridge Financial
6 of 6 records
Example screen with sample data
Admin
Configure access and oversee the operational setup without taking an independent approval decision.
Manage Organizations, team members
View bank instructions, review decisions, operation receipts
Use Proto to inspect banking work, prepare records and surface decisions for the right person.
It can
Treasury Preparer: Show my draft instructions with requested dates and explain which account lines and counterparty are attached before review.
Independent Treasury Approver: Summarize a review item, its current revision, amount, account scope and supporting evidence so I can make the decision.
Auditor: Trace a confirmed instruction through its reviewer decision, provider evidence, reconciliation item and operation receipt.
App Administrator: List active counterparties and team memberships for an organization before the next operating cycle.
Stays with a person
An agent can prepare a request and organize evidence, but the Independent Treasury Approver makes the authorization decision.
Provider authority must actually grant bank-data access, and verified provider confirmation supports the final bank outcome.
A reconciliation exception needs a person to investigate the source movement and account context.
Show my instructions still waiting on a provider result. For each one, include the record number, provider instruction reference and latest verified bank evidence. Do not call it confirmed until the provider outcome is checked.
An agent can prepare a request and organize evidence, but the Independent Treasury Approver makes the authorization decision.
Integrations
Connects to the tools you use
Set up connections through ERP.AI and Proto workflows, with every change logged.
Open Banking API Platform
Banking provider
Provider event source
Account-data provider
Organization identity
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.
Click Get started, then use Proto to configure Open Banking API Platform for your business. Begin with one organization, its team members, an eligible counterparty and a small set of provider accounts. Rehearse an instruction through independent review before connecting provider outcomes.
Who prepares an instruction?
Treasury Preparer records the instruction, selects its organization and counterparty, and attaches the account scope and supporting material.
Who authorizes banking work?
Independent Treasury Approver checks the submitted revision and records a decision with a reason. The preparer should not approve their own submission.
What happens after authorization?
The preparer submits the instruction to the banking provider and retains its provider reference. The team monitors submitted and pending work until verified provider evidence supports confirmation.
How is bank-data access tracked?
An access consent belongs to an instruction and organization. Its decision and provider grant details show the path from request to active authority.
When is a provider movement matched?
The movement must relate to the same account as a confirmed instruction and have the exact amount and occurrence date. A difference stays visible for investigation.
Can we inspect a provider correction?
Yes. Bank evidence can retain correction events alongside earlier provider statements, confirmations and settlement notices for the same instruction.
What does an operation receipt tell us?
It records the action key, expected revision, result state and effect references. The team checks those references against the actual records when completion needs review.
Where do supporting documents go?
Record attachments link a document to an instruction with a title, upload time, uploader and visibility choice.
What can an auditor review?
An Auditor can follow instruction status, decision, provider evidence, reconciliation movement and operation receipt within the assigned scope.
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