Overview
Friday · 18 Aug 2026 · 14:25 UTC
Live
Every figure below already exists in the backend today. This screen is the one thing the cashier never had: a single place to stand.
Deposits today
$285,320.50
32 transactions · 4 awaiting confirm
Payouts today
$152,130.00
18 paid · 3 in the approval queue
Net flow
$133,190.50
▲ 12.4% vs. yesterday
Client balances
$2,450,890.75
1,259 funded accounts
Needs a human
7
Oldest waiting 3h 12m
Money flow
last 7 days
In
Out
SatSunMonTueWedThuToday
Waiting on you
Clear the deskWires to confirm
Oldest 3h 12m · $41,200 total
4
Payouts needing a 2nd approval
You gave the 1st on one of them
3
Provider events to review
1 failed webhook · retry available
1
Ledger drift
Reconciled 06:00 · books agree
0
Latest Transactions
Open transactions| Time | Client | Type | Method | Amount | Status | Remarks | By |
|---|---|---|---|---|---|---|---|
| 14:22 | Daniel Johnson | Deposit | Wire | + $12,000.00 | Confirmed | Statement matched | Dana Levi |
| 14:05 | Robert Brown | Payout | Bank transfer | − $3,400.00 | 2nd approval | Same-day request | Maya Cohen |
| 13:48 | Christopher Davis | Deposit | Card | + $1,250.00 | Awaiting provider | — | — |
| 13:30 | Matthew Wilson | Adjustment | Manual | − $150.00 | Posted | Spread correction | Dana Levi |
| 13:11 | Joshua Miller | Deposit | USDT · TRC20 | + $5,000.00 | Txid submitted | 1 confirmation left | — |
Live
The CRM client list, re-cut for money: balance, equity, credit and verification first — trading detail stays in the CRM.
| Client | Balance | Equity | Credit | KYC | Status |
|---|---|---|---|---|---|
Daniel Johnson 104580 · GB |
$12,450.75 | $12,450.75 | $0.00 | Approved | Active |
Michael Smith 104581 · US |
$8,500.00 | $8,315.20 | $500.00 | Approved | Active |
James Williams 104582 · CA |
$0.00 | $0.00 | $0.00 | Docs missing | Inactive |
Robert Brown 104583 · AU |
$24,850.30 | $24,650.10 | $0.00 | Approved | Active |
Matthew Wilson 104586 · US |
$6,200.00 | $6,150.35 | $0.00 | Approved | Risk review |
Andrew Taylor 104587 · GB |
$0.00 | $0.00 | $0.00 | Approved | Blocked |
Joshua Miller 104588 · SG |
$9,100.20 | $9,050.20 | $0.00 | Approved | Active |
Showing 1–7 of 1,259 clients
123…126
Wire live
Card & crypto built, dark
All three rails share one payment-intent lifecycle. Card and crypto are complete in the backend and switch on with a flag and a signed provider.
Bank wire
$214,900
Live 4 awaiting confirmation
Card
$56,420
Needs a provider
Crypto · USDT
$14,000
Needs an address pool
| Ref | Client | Method | Amount | Status | Age | Action |
|---|---|---|---|---|---|---|
| WIRE-8F42K9 | Daniel Johnson | Bank wire | $12,000.00 | Client says sent | 3h 12m | |
| WIRE-2C77M1 | Robert Brown | Bank wire | $25,000.00 | Client says sent | 1h 40m | |
| WIRE-9A03T5 | Michael Smith | Bank wire | $3,200.00 | Awaiting transfer | 22m | |
| PSP-5D19QX | Christopher Davis | Card · checkout | $1,250.00 | Awaiting provider | 6m | |
| CRY-77B2LK | Joshua Miller | USDT · TRC20 | $5,000.00 | Txid submitted | 14m | |
| WIRE-4K88ZZ | Matthew Wilson | Bank wire | $900.00 | Confirmed | yesterday |
Confirming a wire is the only step that moves money. Every confirmation is written to the money audit with your name, IP and the reference code.
Live
Four-eyes payouts: two different operators must approve, the money is reserved from the moment the client files, and nobody can approve their own request.
3
In review
2
Needs 2nd approval
1
On hold
2
Paying out
18
Completed today
| Client | Amount | Destination | 1st approval | Reserved | Action |
|---|---|---|---|---|---|
Robert Brown 104583 · filed 2h ago |
$3,400.00 | Bank transfer DE89 •••• 3241 |
Maya Cohen · 1h ago | Held | |
Joshua Miller 104588 · filed 4h ago |
$1,900.00 | USDT · TRC20 TQ5x •••• 9f2a |
Dana Levi · 3h ago | Held | |
Michael Smith 104581 · filed 20m ago |
$800.00 | Bank transfer GB12 •••• 7788 |
None yet | Held |
The second approver must be a different person than the first — the button is locked, not hidden, so the rule is visible.
Live
Every money row in one register: deposits, payouts, credit and adjustments, with the ledger entry behind each one.
| ID | Time | Client | Type | Method | Amount | Balance | Status | Remarks |
|---|---|---|---|---|---|---|---|---|
TX-99241 LT-4471 | 14:22 | Daniel Johnson | Deposit | Wire | + $12,000.00 | $24,450.75 | Completed | Statement matched |
TX-99240 hold | 14:05 | Robert Brown | Payout | Bank | − $3,400.00 | $21,450.30 | 2nd approval | Same-day request |
TX-99239 LT-4469 | 13:30 | Matthew Wilson | Adjustment | Manual | − $150.00 | $6,050.00 | Posted | Spread correction |
TX-99238 LT-4468 | 12:58 | Michael Smith | Credit | Welcome credit | + $100.00 | $8,600.00 | Posted | First deposit |
TX-99237 LT-4466 | 12:14 | Christopher Davis | Deposit | Card | + $2,000.00 | $17,750.45 | Completed | — |
TX-99236 released | 11:40 | Andrew Taylor | Payout | Bank | − $1,000.00 | $0.00 | Rejected | Name mismatch |
Showing today · 32 deposits, 18 payouts, 4 adjustments
123
Not built
Nothing behind this screen yet. It moves money between two accounts of the same client, or between a client and a house account, without touching a payment rail.
Daniel Johnson · Live USD · $12,450.75
Daniel Johnson · Live EUR · €2,180.00
$ 2,000.00
Mid-market at execution · 0.9174
Client asked to fund the EUR account from USD
Both legs post to the ledger in one entry — the books can never see half a transfer.
What it would take
- A transfer kind in the ledger. The double-entry engine already exists, so this is a new transfer type, not a new engine.
- An FX decision from you. Same-currency transfers are trivial; cross-currency needs a rate source and a spread policy.
- A permission slug. Moving money between accounts is not the same right as approving a deposit.
- Limits. Whether a transfer can pull an account below its margin requirement is a risk rule, not a cashier rule.
Banks live
Card & crypto dark
The rails themselves, gathered from four places in Settings. Turning a rail on is a decision, so each one shows exactly what it is still missing.
Bank accounts
LiveMain EUR / USD
DE00 1234 •••• · SWIFT ABCDEF
GBP collections
GB44 •••• 8891
Add a bank account
Shown to clients on the deposit screen
Card provider
Waiting on a contractWebhook endpoint minted Ready
Signature scheme HMAC-SHA256
Checkout URLNot set
Webhook secretNot set
Provider signedCommercial decision
The card layer is provider-agnostic: whichever PSP is signed only needs a thin mapping onto the envelope already defined.
Crypto addresses
Pool is emptyUSDT · TRC20
0 addresses loaded · reusable, no keys held here
USDT · ERC20
Not enabled
Provider events
Replay history| Event | Type | Result | |
|---|---|---|---|
| evt_8f21 | payment.succeeded | Processed | 2m |
| evt_8f19 | payment.failed | Recorded | 18m |
| evt_8f04 | payment.succeeded | Failed · retry |
Not built
A card rail eventually brings disputes. This is what the desk would need on the day the first one lands — nothing here exists yet.
Open disputes
2
$3,250 at stake
Evidence due
1
In 3 days
Win rate · 90d
—
No history yet
Dispute queue
illustrative| Case | Client | Amount | Reason | Stage | Due |
|---|---|---|---|---|---|
| CB-0012 | C. Davis | $2,000.00 | Not received | Evidence | 21 Aug |
| CB-0011 | M. Smith | $1,250.00 | Unrecognised | Submitted | — |
What it would take
- A signed PSP first. Disputes arrive as provider events, so this cannot exist before the card rail does.
- A reversal path in the ledger. Money already credited must be clawed back as its own entry, never by editing the original.
- An evidence locker. KYC documents, the deposit trail and the login history, bundled per case.
- A deadline clock. Card schemes give a fixed window; missing it loses the case by default.
Types & codes live
Engine not built
Credit types and promo codes already exist as settings. What does not exist is the thing that awards credit, tracks the condition attached to it, and releases or claws it back.
Credit types
LiveWelcome credit
100% up to $500 · awarded on first deposit
Reload credit 25%
On deposits over $1,000
Loan credit
Repayable · reduces withdrawable balance until cleared
Deposit credit
Matches an incoming deposit · counts as tradable margin
Ledger / Trezor credit
Credited against a hardware-wallet transfer, pending on-chain confirmation
Loyalty tier 2
Manual award only
Promo codes
Live%
SUMMER26
Welcome credit · 41 redemptions
%
RETURN10
Reload credit 25% · 7 redemptions
%
IB-KAPLAN
Partner code · expired 01 Aug
How each type behaves
the three new ones differ in what the client actually owns| Credit type | Client can trade it | Client can withdraw it | Comes back |
|---|---|---|---|
| Loan credit | Yes | No, until repaid | Repaid from profit or on demand |
| Deposit credit | Yes | Only after its condition | Clawed back on early withdrawal |
| Ledger / Trezor credit | Yes | On confirmation | Reversed if the transfer never confirms |
These three columns are the whole reason credit needs an engine — none of them can be
expressed as a balance edit.
The engine that is missing
Not builtAward
Today credit is a manual adjustment. An engine would award on a trigger — first deposit, a code, a tier, a hardware-wallet transfer — and post it as its own transaction kind.
Condition
Most credit carries a condition: a wagering target, a repayment, or an on-chain confirmation. Nothing tracks any of them today, which is why every credit here is effectively unconditional.
Release or claw back
When the condition is met the credit becomes withdrawable; when the client withdraws early, or a transfer fails to confirm, it is removed. Both are ledger entries, not balance edits.
Accounts exist, no screen
The broker's own money, not the clients'. Every account below is already a real account in the ledger — this is the view nobody can see yet.
Bank clearing
$214,900
Wires received, not yet swept
Provider clearing
$56,420
Card money the PSP still owes us
Crypto settlement
$14,000
USDT received, not converted
Provider fees · MTD
$1,842
2.1% of card volume
Credit outstanding
$38,500
Granted to clients, not yet cleared
House accounts
the other side of every client entryOpen in ledger| Account | What sits here | Balance | Last movement |
|---|---|---|---|
| bank_clearing:USD | Wires confirmed, not yet swept to the operating account | $214,900.00 | 14:22 |
| psp_clearing:USD | Card deposits credited to clients, cash still at the provider | $56,420.00 | 13:48 |
| crypto_settlement:USD | USDT received on chain, awaiting conversion | $14,000.00 | 13:11 |
| house_expense:psp_fees | Provider fees, booked per payment as it lands | − $1,842.30 | 13:48 |
| house_credit:USD | Credit granted that has not been repaid or cleared | $38,500.00 | 12:58 |
| payout_inflight:USD | Reserved for payouts approved but not yet paid | $9,700.00 | 14:05 |
Counter accounts run negative by convention — every client credit has a house debit facing it, which is what makes the books balance.
Where the money is
by railAt the bank
Available same day
73%
At the provider
Lands on the settlement cycle
19%
On chain
Needs conversion before it is usable
5%
Reserved for payouts
Committed, cannot be spent twice
3%
A fifth of the desk's money is not actually in the bank yet. That is normal for cards — it only becomes a problem if nobody is watching the settlement clock.
Not built
Closing the loop: proving that the money the provider says it sent is the money that actually reached the bank. Nothing here exists yet.
Expected settlements
illustrative| Period | Gross | Fees | Net due | Expected | State |
|---|---|---|---|---|---|
| 14–15 Aug | $31,200.00 | − $655.20 | $30,544.80 | 16 Aug | Reached the bank |
| 16–17 Aug | $24,100.00 | − $506.10 | $23,593.90 | 19 Aug | On the way |
| 18 Aug | $1,120.00 | − $23.52 | $1,096.48 | 20 Aug | Still open |
The row that matters is the one that never turns green — money the provider reported and the bank never received.
What it would take
- A signed provider. Settlement reports come from the PSP; there is nothing to reconcile against until one exists.
- Bank statement import. Today nobody tells the system that a wire landed — a person reads the statement and clicks confirm.
- An auto-match rule. Provider payout ↔ bank credit ↔ the clearing account, matched by amount and date, with the leftovers queued for a human.
- An alert with teeth. A settlement that is late by more than one cycle should reach a person outside the app, not sit as a pill on a screen.
Running in shadow
The double-entry ledger is live and mirroring every money movement, but it has no screen — this is what the operator would see. It becomes the source of truth once the shadow week ends clean.
Drift vs. balances
$0.00
Reconciled today 06:00
Entries today
108
54 transfers, both legs
Shadow week
6 / 7
Clean days before cutover
Recent entries
every row has two legs and always sums to zero| Entry | Debit | Credit | Amount | Source |
|---|---|---|---|---|
| LT-4471 | bank_clearing:USD | wallet:104580 | $12,000.00 | Wire confirm |
| LT-4470 | wallet:104583 | payout_inflight:USD | $3,400.00 | Payout hold |
| LT-4469 | wallet:104586 | house_adjust:USD | $150.00 | Adjustment |
| LT-4468 | house_credit:USD | wallet:104581 | $100.00 | Credit |
| LT-4466 | psp_clearing:USD | wallet:104585 | $2,000.00 | Card deposit |
Chain integrity
IntactEach entry carries the hash of the one before it, so a silent edit anywhere in the history breaks the chain from that point on.
Last 12 hours verified · 0 breaks
Daily reconciliation
- Accounts checked
- 1,259
- Mismatches
- 0
- Orphaned holds
- 0
- Next run
- Tomorrow 06:00
Live
The finance reports that already exist, pulled next to the desk that needs them instead of living two clicks away under Reports.
Deposits vs. payouts
this month$4.21Min$2.66Mout
First-time deposits
this month184new depositors · avg $1,340
Wire
Median $2,100
96
Card
Median $420
71
Crypto
Median $980
17
Scheduled to your inbox
Manage schedulesDaily cashier close
Every day 23:00 · finance@ · CSV + PDF
Weekly net flow by rail
Mondays 07:00 · management@
Live
Who touched money, when, from where. Written on every money action and never editable — this is the record a regulator or a partner asks for.
| When | Operator | Action | Subject | Amount | Origin |
|---|---|---|---|---|---|
| 14:22:07 | Dana Levi | Confirmed wire deposit | WIRE-8F42K9 | $12,000.00 | 88.11.4.20 · Chrome |
| 14:05:41 | Maya Cohen | Gave 1st approval | WD-3391 | $3,400.00 | 88.11.4.31 · Chrome |
| 13:30:12 | Dana Levi | Posted adjustment | TX-99239 | $150.00 | 88.11.4.20 · Chrome |
| 13:02:55 | System | Reconciliation passed | RECON-0818 | — | scheduler |
| 11:40:03 | Maya Cohen | Rejected payout | WD-3388 | $1,000.00 | 88.11.4.31 · Chrome |
| 09:14:22 | Ben Fox | Changed bank account visibility | BANK-02 | — | 88.11.4.9 · Safari |
Append-only. Rows cannot be edited or deleted from anywhere in the product, including here.
Live
The eleven cashier rows that sit under the general Settings hub today. They belong to the desk that uses them, not to a list shared with email templates and mobile config.
Money rules
Transaction handling
Which roles decide which transaction type, per business unit
Deposit & payout limits
Minimums, maximums and per-day caps
Void a transaction
Reverse a posted row · always leaves an audit trail
Account tags
Labels used across the trading book
Who may do what
Confirm a deposit
Finance officer, CRM admin, owner
First payout approval
Any operator with the payout right
Second payout approval
Finance officer, CRM admin, owner only
Post an adjustment
Separate right from approving deposits
Switches that are still off
Your callCard deposits
Built and reviewed · needs a signed provider
Crypto deposits
Built · needs an address pool loaded
Ledger as source of truth
Shadow week ends after 7 clean days
Client ownership enforcement
Locks every client money call to its own account