Total Assets vs Total User Liabilities
Live Fincra & Multi-Corridor Float
Real Customer Liabilities in Ledger
Calculating live rates...
Fincra Rails
Merchant: 693c5533957c9000120117a6Maplerad Virtual Cards
USD Issuing EngineAlpaca US Brokerage
Fractional NYSE/NASDAQMulti-Corridor Fee Schedules & Card Interchange Matrix DYNAMIC REVENUE
Withdrawal flat/bps rates, P2P spreads, and card interchange rebate margins across global corridors.
| Corridor | Withdrawal Flat | Withdrawal Bps | Card Issuance | Card Funding Spread | Interchange Rebate | Action |
|---|
⚡ FX Intraday Volatility Buffer & Slippage Guard LIVE MONITOR
Real-time corridor deviation tracking. Buffer auto-engages at ≥1.5% hourly deviation — surcharge bps added to effective margin.
| Corridor | Baseline Rate | Current Rate | Deviation % | Surcharge Bps | Buffer Status |
|---|---|---|---|---|---|
| Loading corridors… | |||||
🏛️ Statutory Regulatory Electronic Returns REGULATORY
Generate and download CBN Monthly FX Return (Form M/A2) and NFIU CTR — SHA-256 sealed JSON exports.
Universal Transaction Ledger & Operations
Cryptographically verifiable real-time transaction ledger with 1-click drilldown & dispute management.
| Tx ID / Ref | Narration | Entity | Amount | Status | Timestamp | Actions |
|---|---|---|---|---|---|---|
| Loading transactions... | ||||||
Customer 360 Operations Center CORE BANKING
Complete customer dossier, multi-currency balances, virtual accounts, card controls & compliance management
| Customer Name / ID | Contact Details | KYC Tier | Status | Available Balances | Virtual Account | Cards | Registered | Actions |
|---|---|---|---|---|---|---|---|---|
| Loading customer directory... | ||||||||
Global Multi-Corridor Float (15 Currencies)
Live multi-currency treasury balances directly reported by Fincra
| Currency | Corridor Region | Available Balance | Ledger Balance | USD Valuation | Status |
|---|
🛡️ Float Sweeps & Emerging Market Devaluation Shield
Automated liquidity risk management: sweeps surplus African corridor float (NGN, GHS, KES, ZAR) into USD reserves.
Propose Treasury Sweep
Submits a 4-Eyes Maker-Checker authorization request to hedge surplus local float into USD.
Corridor Operating Thresholds
Pending / Past Sweep Operations
Automated 3-Way Reconciliation Sentinel
Zero-variance validation: Internal Ledger vs Fincra Bank Float vs Alpaca Custody
Maker-Checker (4-Eyes Principle) Authorization Queue
High-value operations require secondary cryptographic sign-off before settlement.
Cryptographic Double-Entry Ledger & Multi-Entity Partitioning
Mathematical double-entry balance with SHA-256 Merkle chain verification & regulatory ring-fencing.
Total Blocks: -- • Latest Hash: --
| Code | Account Name | Type | Currency | Debit Total | Credit Total | Net Balance |
|---|
US Corporate Actions & Fractional Dividend Engine
Automated dividend distribution with IRS Form 1042-S withholding tax deduction
Execute Dividend Payout
Automatically applies 15% rate for treaty countries and 30% default IRS rate.
Dividend Distribution History
⚖️ AML Transaction Sentinel & Regulatory SAR Dossier
Automated FATF / NFIU / FinCEN compliance: monitors CTR threshold breaches ($10,000+) & structuring patterns.
Simulate AML Monitor Ingestion
Suspicious Activity Reports (SAR) Registry
Live Prembly Compliance Console
Live BVN and NIN verification directly via api.prembly.com
Live BVN Lookup
Live NIN Lookup
⚡ Panic Room: Platform Circuit Breakers (Kill Switches)
Immediate operational shutdown switches during market crashes, liquidity attacks, or security incidents.
API Credentials & Integrations Hub
Monitor live banking rails, manage developer API keys, and configure webhooks.
Live Provider Rails
Institutional API Keys
| Key Name | Key Prefix | Scopes | Rate Limit | Created By | Status | Action |
|---|---|---|---|---|---|---|
| No institutional API keys generated. | ||||||
Inbound Webhook Verification Gateways
Institutional Settings & Operator Profile
Manage institutional security, 2FA authenticator, team permissions, and global platform parameters.
Chief Risk Officer
admin@vestily.comEnforce secondary one-time passwords for Maker-Checker and Panic Room execution.
Institutional Operators (RBAC)
Separation of duties: Makers, Checkers & Compliance Officers
| Name | Role | 2FA | Status |
|---|
Platform Operational Parameters
Immutable Admin Audit Log Sentinel
Cryptographically recorded operational actions across the platform.
Inbound Webhook Inspector & DLQ Replay
Inspect raw incoming webhook events from Fincra, Maplerad, and Alpaca.
Basel III Liquidity Risk Engine & Stress Testing Lab BIS COMPLIANT
Real-time Liquidity Coverage Ratio (LCR), NSFR, and simulated adverse stress scenarios.
High Quality Liquid Assets vs 30D Outflows
Available Stable Funding / Required Stable Funding
Cash, Central Bank & Correspondent Float
Operational Runway Under Outflow Shock
Adverse Macro & Bank-Run Stress Testing
Simulate severe liquidity shocks to confirm solvency safeguards.
Simulates 30% instant run on customer retail deposits.
Simulates 50% overnight depreciation of local FX corridors.
Simulates 30% haircut / freeze on equity custodian settlement.
Audited Financial Statements & EOD Close Engine IFRS / US GAAP
Formal Balance Sheet ($A = L + E$), Statement of Comprehensive Income (P&L), and cryptographically sealed Daily EOD close.
Statement of Financial Position (Balance Sheet)
As of today • In USD Equivalence
Statement of Comprehensive Income (P&L)
Cumulative Operating Period • USD Equivalent
Cryptographic EOD Daily Close History
Immutable SHA-256 seal chaining for financial statement integrity.
| Close Date | Entity | Assets | Liabilities | Equity | SHA-256 Daily Seal | Status |
|---|
FATF Recommendation 16 (Travel Rule) & Screening Engine IVMS-101 READY
Automated evaluation for transfers ≥ $1,000 USD / ₦500,000 NGN, and continuous batch delta screening against OFAC/UN/PEP lists.
IVMS-101 Mandatory Originator/Beneficiary Packet
Real-time Fuzzy & Exact Delta Matching
Pending Compliance Officer Review
Watchlist & Sanctions Screening Triage
| Customer | Watchlist | Matched Term | Confidence | Risk Level | Status | Actions |
|---|
US IRS Form W-8BEN & 1042-S Tax Compliance Center TREASURY REG §1.1441
Digital Certificate of Foreign Status lifecycle management, automated withholding tax rates, and 1042-S filing packages.
With Certified W-8BEN on File
If W-8BEN is Missing or Expired
Expires Dec 31 of 3rd Year
IRS Form 1042-S Annual Non-Resident Reporting
Recipient taxable US source income, gross dividends, and tax withheld.
| User ID | Foreign Tax ID (FTIN) | Tax Residence | W-8BEN Expiry | Gross Income | Tax Rate | Tax Withheld | Status |
|---|
Visa / Mastercard 5-Stage Dispute & Chargeback Lifecycle CHARGEBACK SENTINEL
Strict stage progression: Dispute Filed → Representment → Pre-Arbitration → Arbitration → Final Settlement with provisional credit accounting.
Active Card Disputes & Chargebacks
| Dispute ID | User ID | Card ID | Amount | Current Stage | Provisional Credit | Actions |
|---|
SOC-2 Type II Disaster Recovery & Backup Sentinel AUDIT PROVEN
Point-in-time state snapshots, disk persistence, and automated SHA-256 integrity checksum verification.
Continuous write-ahead integrity
Automated 1-Click State Restore
Byte-for-byte cryptographic proof
Snapshot Archive & Integrity Checksums
| Snapshot ID | Created At | File Path | Size | SHA-256 Checksum | Integrity | Verification |
|---|