All postings contains following data:
value_timestamp - The logical timestamp at which the batch (mit contain multiple postings) takes effect.
insertion timestamp - The timestamp indicating when the Posting Instruction Batch was inserted into the posting ledger.
account_id - either UUID of customer account or internal account name
account_address
amount
denomination
transaction_code - ISO20022 Bank Transaction Code field; a set of properties to identify the underlying transaction.instruction_details - custom dictionary of additional data
Notes:
Batch contains 1 or more transactions (posting instructions in TM language)
Transaction contains exactly 2 postings
List of internal accounts
List of products (families) containing list of addresses (+ maybe their linkage to GL accounts)
List of transactions (only non-internal account ids are on input)
intra-account - single type, single account id
inter-account - two types, two account ids
from-internal-account - single type, single account id, internal account id
to-internal-account - single type, single account id, internal account id
between-internal-accounts - two internal account ids
What will be in every transaction:
value_timestamp
insertion timestamp
debit account id / internal account
debit account address (for non-internal)
debit account phase - pending incoming / pending outgoing / committed
credit account id / internal account
credit account address (for non-internal)
credit account phase - pending incoming / pending outgoing / committed
amount
denomination (Currency)
transaction code - unique for each transaction type, transactions will be identified based on this. All transactions which do specific movement (credit/debit + addresses) will share same value. If same movement occurs in two different event types, they must have different code.
2x transaction id - unique for each transaction - one generated by Vault, one filled by us.
2x transaction batch id - unique for each transaction batch containing multiple transactions - one generated by Vault, one filled by us
custom_details - containing list of posting-specific data. Should be split into optional and mandatory ones.
Additional hardcoded values (in list)
debit account family type (for non-internal) - Main account / saving pocket / loan / etc. - for transaction correctness check in smart-contract
credit account family type (for non-internal) - Main account / saving pocket / loan / etc. - for transaction correctness check in smart-contract
Open questions:
custom details - Usable by product, not sure if should be usable by finance?
is there need for business entity id? - Should be identifiable by transaction code + transaction id (+ account ids?) and fetched all necessary data from given snapshot in data lake
phases for cards?
Your Product | Event | Transaction Code | Posting sender | System | Debit (source) account/ address | Credit (target) account/address | Amount | Other fields | Listened to by | Finance expectation (comments on 7th Sep) | Applicable for the EPFS build |
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Overdraft | Overdraft open/top-up | Overdraft imbursement | Microservice | Vault | Overdraft Principal Receivables | Main account/ OVERDRAFT | 250 | Posting ID - Already in posting Account ID - (DEBIT) - AIP User ID - DataLake (Referenced to account address) Transaction ID / Loan ID DataLake (Referenced to Loan address) - need to be checked Loan tenor (when applicable) Number of installments (when applicable) Loan status (when applicable) Creation date /time Update date / time Account status Repayment ID Branch ID (We don’t need that in TM) Debit/Credit flag Write off flag Fiscal month (It will be extracted from creation date in DL) | Shown in transaction history as credit with no source account with overdraft mark. | N | |
Overdraft closing | Overdraft repayment (total balance) | Microservice | Vault | Main account/ DEFAULT | Overdraft Principal Receivables | 250 | Shown in transaction history as debit with no target account with overdraft mark. | Viliam Dillinger (Unlicensed) how will this be shown in the user transaction history? | N | ||
Clearing of overdraft address | Smart contract | Vault | Main account/ OVERDRAFT | Main account/ DEFAULT | 50 | Not shown in transaction history | This would trigger a new overdue loan account under user according to Jan Viliam Dillinger (Unlicensed) please confirm | N | |||
Any payment using overdraft money. Note: We allow Main account/DEFAULT to go into negative amount and replenish it to zero from overdraft address. | Replenishment | Smart contract | Vault | Main account/ OVERDRAFT | Main account/ DEFAULT | 200 | Not shown in transaction history. | N | |||
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Fee after grace period - payment | Microservice | Vault | Main account/ DEFAULT | Overdraft Fee Income | 10 | Shown in transaction history as debit with no target account with overdraft mark. | Ok | N | |||
Personal loan | Loan imbursement | To customer | Smart contract | Vault | Loan account/ PRINCIPAL | Main account/ DEFAULT | 1000 | Shown in transaction history as credit with no source account with personal loan mark. | User 16929 should check with KPMG whether Main account/DEFAULT should be credited (as it’s perceived as a payable from the accounting perspective) | N | |
Loan opening fee | From customer to internal account | Main account/DEFAULT | Loan opening fee income | The customer will have a loan fee applied on the amount of loan disbursed. This will be taken from the account, after loan disbursement. This needs to be visible on loan transaction list. | This by right should be amortised over the tenor of the loan User 98ad0 please check with Squad on the possibility | N | |||||
Interest accrual | Daily, on the remaining loan balance | Accrued Interest Receivable / DEFAULT | Interest Received Account / DEFAULT | Please input what Jan showed in the call | N | ||||||
Due date - due amounts | Loan account/ PRINCIPAL DUE | Loan Account/ PRINCIPAL | Monthly, on loan due date, we will receive information about the Due Principal and Due Interest the customer owns. | N | |||||||
Loan account / INTEREST DUE | Accrued Interest Receivable / DEFAULT | N | |||||||||
Overdue events | Marking outstanding principal due amount | Loan Account / PRINCIPAL OVERDUE | Loan Account / PRINCIPAL DUE | N | |||||||
Marking outstanding interest due amount | Loan account / INTEREST OVERDUE | Loan account/INTEREST DUE | N | ||||||||
Charging penalty | Loan account / PENALTIES | Late Repayment Fee Income Account / DEFAULT | Is it monthly? User b89ca | N | |||||||
Installment payment | Installment payment | Microservice | Vault | Main account/ DEFAULT | Loan account/ DEFAULT | Shown in transaction history as debit with no target account with personal loan mark. | N | ||||
Installment - principal | Smart contract | Vault | Loan account/ DEFAULT | Loan account/ PRINCIPAL DUE | Not shown in transaction history. | How do you display to user the total loan amount and whats been repaid in the App? | N | ||||
Installment - interest | Smart contract | Vault | Loan account/ DEFAULT | Loan account/ INTEREST DUE | Not shown in transaction history. | How do you display to user the total loan amount and whats been repaid in the App? | N | ||||
Overdue / Late loan repayments | Late fee repayment | Main account/Default | Loan Late fee income | This is a one time fee, applied at the moment the customer goes in delinquency. | Updated, should be recognised upon deduction | N | |||||
Overdue instalment repayment - principal | Main account/ DEFAULT | Loan account/ PRINCIPAL overdue | We need to keep information on the repayment of overdue amounts, split per overdue principal and overdue interest. Needs to be visible to client in transaction list. | I thought this is moved by Loan account/ Default, not Main account/Default | N | ||||||
Overdue instalment repayment - interest | Main account/ DEFAULT | Loan account/ INTEREST overdue | We need to keep information on the repayment of overdue amounts, split per overdue principal and overdue interest. Needs to be visible to client in transaction list. | I thought this is moved by Loan account/ Default, not Main account/Default | N | ||||||
Rebalance - waiving of principal or interest | Rebalance cost | Loan account/ Interest Overdue or Loan account/Principal Overdue | triggered by collection tool | Pending collection tool, we need a flag / status in Core Banking System | N | ||||||
Write-off product after 180 DPD | Allowance for Loan principal receivables or Allowance for Loan interest receivable | Loan account/ PRINCIPAL overdue or Loan account/ INTEREST overdue | triggered by collection tool | Pending collection tool, we need a flag / status in Core Banking System | N | ||||||
Partial repayments | N | ||||||||||
Late fee | Penalty address | Late fee income | N | ||||||||
Transaction - intrabank | Intrabank transaction (via Account number or phone number) | Send money | Microservice | Vault | Sender’s main account/ DEFAULT | Receiver’s main account/ DEFAULT | Shown in Tx history as a debit on source account or credit on target account | Ok | Y | ||
Sending money to the pocket | Microservice | Vault | Main account/ DEFAULT | Saving account/ DEFAULT | Shown in Tx history | Ok | Y | ||||
Withdrawal of the money from the pocket | Microservice | Vault | Saving account/ DEFAULT | Main account/ DEFAULT | Shown in Tx history | Ok | Y | ||||
Transaction - interbank | Withdrawal via Paynamics | Withdrawal | Microservice | Vault | Main account/ DEFAULT | Paynamics suspense account | Shown in Tx history as a debit | Suspense account name to be confirmed | Y | ||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Ok | Y | ||||
Withdrawal via Instapay | Withdrawal | Microservice | Vault | Main account/ DEFAULT | Instapay suspense account | Shown in Tx history as a debit | Suspense account name to be confirmed | N | |||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Ok | N | ||||
Withdrawal via Pesonet | Withdrawal | Microservice | Vault | Main account/ DEFAULT | Pesonet suspense income | Shown in Tx history as a debit | Suspense account name to be confirmed | N | |||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Ok | N | ||||
Main account | Daily Interest accrual | Interest accrual | Smart contract | Vault | Deposit interest cost account | Main account/ INTEREST | DEFAULT * interest, limited |
| Ok, we can link both to GL in Finance System Dr Interest Expenses Cr Savings Deposit Interest Payables | Y | |
Tax accrual | Smart contract | Vault | Main Account/ WHT | Deposit interest WHT |
| WHT will be included in accounts posting | Y | ||||
Monthly Interest payment | Interest payment | Smart contract | Vault | Main account/ INTEREST | Main account/ DEFAULT | INTEREST |
| Ok | Y | ||
Tax deduction | Smart contract | Vault | Main account/ DEFAULT | Main account/ WHT | WHT |
| Y | ||||
Saving account | Unlocked saving account - Daily Interest payment | Interest accrual | Smart contract | Vault | Deposit interest cost account | Saving pocket/ INTEREST | Shown in interests history | Ok, deposit interest expense account | Y | ||
Taxation | Smart contract | Vault | Saving pocket/ INTEREST | Deposit interest WTH | Shown in interests history, used for statement | To be confirmed once VL updates | Y | ||||
Unlocked saving account - Monthly update of principal | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok, DEFAULT address link to Savings Deposit Payables in Finance system | Y | ||||
Locked saving account - Daily Interest accrual | Interest accrual | Smart contract | Vault | Deposit interest cost account | Saving pocket/ INTEREST | 1000 | Shown in interests history | Viliam Dillinger (Unlicensed) is this using 6% or 4%? Viliam: interest rate depends on tenure of given account. Tenure is specified upon creation of locked saving account or locking unlocked one. It can be increased to longer one later, higher interests are applied from this day and are not applied retrospectively. Currently available options: 3 months - 5%, 6 months - 5.5%, 9 months - 6%, 12 months - 8%, 24 months - 9%, 36 months - 10%. Note: Interest rates are definitely not final and will change, tenure lengths most probably not (although system is ready for it) | Y | ||
Split into bonus for locking | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ LOCKED_BONUS | 200 | Not shown in transaction history (TBD visible bonus?) | Ok, spliting | Y | |||
Taxation | Smart contract | Vault | Saving pocket/ INTEREST | Deposit interest WTH | 200 | Shown in interests history, used for statement | Viliam Dillinger (Unlicensed) What about the portion thats moved to Locked Bonus address? this happens before spliting?? Viliam: Yes, I changed this because of your requirement to see single posting containing whole amount during interest accrual. | Y | |||
Locked saving account - Monthly update of simulated unlocked account principal | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ MONTHLY_INTEREST | Not shown in transaction history | Ok, spliting | Y | ||||
Locked saving account - End of tenure | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | ||||
Smart contract | Vault | Saving pocket/ LOCKED_BONUS | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | |||||
Smart contract | Vault | Saving pocket/ MONTHLY_INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | |||||
Locking of unlocked saving account | Interest accrued moved to principal | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ DEFAULT | Viliam Dillinger (Unlicensed) is this DEFAULT address under a new locked saving pocket account or the existing unlock account? Viliam: account will stay the same, only parameters changes. | Y | ||||
Unlocking of locked saving account | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | ||||
Loss of locked bonus | Smart contract | Vault | Saving pocket/ LOCKED_BONUS | Deposit interest cost account | Shown in interest history | Ok | Y | ||||
Smart contract | Vault | Saving pocket/ MONTHLY_INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | |||||
Closing of saving account | Smart contract | Vault | Saving pocket/ INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | ||||
Loss of locked bonus | Smart contract | Vault | Saving pocket/ LOCKED_BONUS | Deposit interest cost account | Shown in interest history (if > 0) | Viliam Dillinger (Unlicensed) this is the case if user close of locked saving pocket early yea? Viliam: Yes. If the account is unlocked, this address have zero amount. | Y | ||||
Smart contract | Vault | Saving pocket/ MONTHLY_INTEREST | Saving pocket/ DEFAULT | Not shown in transaction history | Ok | Y | |||||
Smart contract | Vault | Saving pocket/ DEFAULT | Main account/ DEFAULT | Shown in Tx history as credit | Ok | Y | |||||
Deal with rounding reminder (< 0.01) | Smart contract | Vault | Saving pocket/ DEFAULT | Rounding difference | Not shown in transaction history | can use internal account - Rounding Difference | Y | ||||
Card | Customer uses our Card in POS or ATM | Card authorization | Microservice | Main account/Default | Mastercard/VISA/Bancnet | Show as blocked amount in Tx history. | Block the amount, authorisation happens Ivy: no financial posting needed | N | |||
Card | Card usage change in the amount of purchase | Card authorization adjustment | Microservice | Main account/Default | Mastercard/VISA/Bancnet | Show as blocked amount in Tx history. | Adjust the block amount during authorisation stage Ivy: no financial posting needed | N | |||
Card | Card settlement | Card settlement | Microservice | Main account/Default | Mastercard/VISA/Bancnet | Show as card transaction in Tx history. | Internal Account Name: Suspense Euronet - will move to Euronet once registration happens, we are not in that network yet | N | |||
Card | Card Transaction Reversal process | Card Reversal Credit | Microservice | Mastercard/VISA/Bancnet account | Main account/Default | Show as card transaction in Tx history. | N | ||||
Card | Card Transaction Reversal process | Card Reversal Debit | Microservice | Main account/Default | Mastercard/VISA/Bancnet account | Show as card transaction in Tx history. | N | ||||
Card | Card Creation | GL Card Creation Fee | Microservice | Main account/Default | Safi Card Internal Account (Transaction Code?) | Show as card transaction in Tx history. | How is this link to subscription? Viliam Dillinger (Unlicensed) card-manager will need to query product-manager to get the subscription chosen and update counter variables for card create and so on. This is not covered yet. User cf9dd we need to discuss and align on this one. Ivy: where is this at? User cf9dd | N | |||
Card | Card Creation | GL Card Replacement Fee | Microservice | Main account/Default | Safi Card Internal Account (Transaction Code? ) | Show as card transaction in Tx history. | How is this link to subscription? card-manager will need to query product-manager to get the subscription chosen and update counter variables for card create and so on. This is not covered yet. we need to discuss and align on this one. | N | |||
Card | ATM fee | GL VISA/Mastercard Card ATM Cash Withdrawal Fee | Microservice | Main account/Default | VISA/Mastercard/Bancnet | Show as card transaction in Tx history. | How is this link to subscription? Viliam Dillinger (Unlicensed) card-transaction-processor-manager will need to query product-manager to get the subscription chosen and set counter for ATM withdrawal and so on. This is not covered yet. User cf9dd we need to discuss and align on this one. | N | |||
Card | ATM fee | GL VISA/Mastercard Card ATM Balance Inquiry Fee | Microservice | Main account/Default | VISA/Mastercard/Bancnet
| Show as card transaction in Tx history. | How is this link to subscription? Viliam Dillinger (Unlicensed) card-transaction-processor-manager will need to query product-manager to get the subscription chosen and set counter for ATM withdrawal and so on. User cf9dd we need to discuss and align on this one. The question to business is the inquiry fee included as part of the free ATM withdrawal or not? | N | |||
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Card | Mastercard/VISA/Bancnet Card Transaction fee | Process? User b89ca | ??? | ??? | Ivy : who is looking after this? Viliam Dillinger (Unlicensed) Jideo Pena (Unlicensed) | ||||||
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Subscription | Postponed 7 days pay - Fee charging | Fee charging | Microservice | Vault | Main Account / Fee | Internal account “Fee Income” |
| Fee address is linked to Fee receivables internal account | Y | ||
Postponed 7 days pay - Fee payment | Fee payment | Microservice | Vault | Main account/ DEFAULT | Main Account /Fee |
| Fee address is linked to Fee receivables internal account | Y | |||
Immediate fee payment | Fee payment | Microservice | Vault | Main account/ DEFAULT | Internal account “Fee Income” |
| Y | ||||
Subscription plan change | Fee payment | Microservice | Vault | Main account/ DEFAULT | Internal account “Fee Income” |
| Y | ||||
Transaction Top-up | Receive money from E-Wallet - Paynamics | Top-up | Microservice | Vault | Paynamics suspense account | Main account/ DEFAULT | Transaction amount |
| Suspense account name to be confirmed | ||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Fee paid by customer |
| Internal account is required | ||||
Transaction cost | Microservice | Vault | Transaction cost | Payables to Paynamics | Cost of the transaction to bank |
| Where to source the cost amount? | ||||
Receive money from E-Wallet - Instapay 4PHP +2PHP= 6 PHP | Top-up | Microservice | Vault | Instapay suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Internal account is required | |||||
Transaction cost | |||||||||||
Receive money from E-Wallet - Pesonet | Top-up | Microservice | Vault | Pesonet suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Internal account is required | |||||
Transaction cost | |||||||||||
Receive money from Debit Card - Paynamics | Top-up | Microservice | Vault | Paynamics suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Internal account is required | |||||
Transaction cost | |||||||||||
Receive money from another Bank via Bank transfer - Paynamics | Top-up | Microservice | Vault | Paynamics suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT | Transaction fee income | Shown in Tx history as a debit | Internal account is required | |||||
Transaction cost | |||||||||||
Receive money from another Bank via Bank transfer - Instapay | Top-up | Microservice | Vault | Instapay suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT (???) | Transaction fee income (???) | Shown in Tx history as a debit | ||||||
Receive money from another Bank via Bank transfer - Pesonet | Top-up | Microservice | Vault | Pesonet suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT (???) | Transaction fee income (???) | Shown in Tx history as a debit | ||||||
Receive money from OTC merchant - Paynamics | Top-up | Microservice | Vault | Paynamics suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Fee | Microservice | Vault | Main account/ DEFAULT (???) | Transaction fee income (???) | Shown in Tx history as a debit | ||||||
Receive money from OTC merchant - Digipay - initiated outside SaFi app | Top-up (no fee) | Microservice | Vault | Digipay suspense account | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Transaction Withdrawal | Cash Withdrawal via Cash-out - Paynamics | Money Withdrawal | Microservice | Vault | Main account/ DEFAULT | Paynamics suspense account (Withdrawal) | Shown in Tx history as a credit | Suspense account name to be confirmed | |||
Fee | Microservice | TBD | Main account/ DEFAULT (???) | Transaction fee income (???) | Shown in Tx history as a credit | ||||||
Cash Withdrawal via Cash-out (Paynamics) - reversal after code expiration | Returned money | Microservice | Vault | Paynamics suspense account (Withdrawal) | Main account/ DEFAULT | Shown in Tx history as a credit | Suspense account name to be confirmed | ||||
Returned fee | Microservice | TBD | ??? | ??? | Shown in Tx history as a credit | ||||||
Send money to E-Wallet - Paynamics | Money Withdrawal | Microservice | Vault | Main account/ DEFAULT | Paynamics suspense account (Withdrawal) | Shown in Tx history as a debit | Suspense account name to be confirmed | ||||
Fee | Microservice | TBD | ??? | ??? | Shown in Tx history as a debit | ||||||
Send money to E-Wallet - Instapay | Money Withdrawal | Microservice | Vault | Main account/ DEFAULT | Instapay suspense account (Withdrawal) | Shown in Tx history as a debit | Suspense account name to be confirmed | ||||
Fee | Microservice | TBD | ??? | ??? | Shown in Tx history as a debit | ||||||
Send money to E-Wallet - Pesonet | Money Withdrawal | Microservice | Vault | Main account/ DEFAULT | Pesonet suspense account (Withdrawal) | Shown in Tx history as a debit | Suspense account name to be confirmed | ||||
Fee | Microservice | TBD | ??? | ??? | Shown in Tx history as a debit | ||||||
Transaction Bills | Send money to biller - Paynamics | Bill Payment | Microservice | Vault | Main account/ DEFAULT | Paynamics suspense account (Bills) | Shown in Tx history as a debit | Suspense account name to be confirmed | |||
Send money to biller - ECPay | Bill Payment | Microservice | Vault | Main account/ DEFAULT | ECPay suspense account (Bills) | Shown in Tx history as a debit | Suspense account name to be confirmed | ||||
Mobile load | Send money to load the phone - Paynamics | Mobile Phone Airtime Load | Microservice | Vault | Main account/ DEFAULT | Paynamics suspense account (Mobile load) | Shown in Tx history as a debit | Suspense account name to be confirmed | |||
Send money to load the phone - ECPay | Mobile Phone Airtime Load | Microservice | Vault | Main account/ DEFAULT | ECPay suspense account (Mobile load) | Shown in Tx history as a debit | Suspense account name to be confirmed | ||||
Atome BNPL | Direct debit | Atome repayment | Microservice | Vault | Main account/ DEFAULT | Atome suspense account (BNPL Settlements) | Shown in Tx history as a debit | Suspense account name to be confirmed | |||
Settlement | Paynamics settlement | TBD | TBD | Paynamics suspense account | Payables to other banks | Payables to other banks account | |||||
Paynamics settlement | TBD | TBD | Recivables to other banks | Paynamics suspense account | |||||||
Instapay settlement | TBD | TBD | Instapay suspense account | Payables to other banks | |||||||
Instapay settlement | TBD | TBD | Recivables to other banks | Instapay suspense account | |||||||
Pesonet settlement | TBD | TBD | Pesonet suspense account | Payables to other banks | |||||||
Pesonet settlement | TBD | TBD | Recivables to other banks | Pesonet suspense account |