FIAT PAYMENTS.
TRACEABLE RECORDS.
Explore software workflows for fiat-money payments and bank transfers, with institution-confirmed posting and reconciliation. No physical cash handling.
Six steps from instruction to reconciliation
This illustrative workflow connects fiat bank-transfer instructions with institution-confirmed payment records. Payment availability, execution and timing depend on the participating institutions and applicable requirements.
- 01
Payment request
A business prepares a fiat payment instruction for its financial institution.
- 02
Secure instruction
A signed, idempotent transfer instruction is sent over mTLS.
- 03
Receiving ledger
The receiver validates the beneficiary, screening and limits.
- 04
Institution processing
Financial institutions execute the authorised payment and update account records.
- 05
Confirmation
The receiver returns authenticated evidence from its own ledger.
- 06
Reconciled
The software matches amount, currency and references against confirmed payment records.
Fiat money, not physical cash. These workflows concern bank-account balances in conventional currencies such as USD and THB. DWIN Intertrade provides payment technology and integration; it does not collect, transport, accept deposits of, or pay out physical cash.
Not just a message.
A balanced ledger.
Our payment software tracks fiat bank-transfer instructions and debit and credit records, then matches institution-confirmed evidence for reconciliation.
Explore the settlement process- Instruction signed & received
- Screening & limits passed
- Credit posted by receiver
- Evidence returned · reconciled
Payment instructions and confirmed records
A notification reports a payment event. A payment integration can also submit an instruction to an institution, track its status and reconcile the resulting records.
An API response alone does not prove that funds have moved. Payment execution and finality are determined by the relevant financial institutions, not by the software's acknowledgement.
| Attribute | Notification API | Dwin payment integration |
|---|---|---|
| Purpose | Report payment events | Submit instructions and reconcile records |
| Execution | Reported by the provider | Controlled by participating financial institutions |
| Trigger | Payment status event | Authorised fiat payment instruction |
| Accounting | Event data for downstream systems | Institution-confirmed debit / credit records |
| Outcome | Status notification | Matched payment records or an exception for review |
| Typical use | Reporting incoming payments | Fiat payment workflow and reconciliation |
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Explore our service scope and technical information, or contact us to discuss your fiat payment integration.
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