Payments held for review
The receiving institution reviews payments the network risk engine flagged. Release moves the money now; Return sends nothing and the payer keeps the money.
Payments in and out latest 15
| Time | Direction | Our customer | Other institution | Type | Amount | Status |
|---|
Our customers on the scheme
| Customer | Phone (proxy) | KYC | Balance | Opened | Recent payers | Risk signal |
|---|
Loans at our bank
| Customer | Product | Outstanding | Installment | Next due | Repayment |
|---|
Customers repay in their app or automatically. Each repayment is an on-us payment into our loan account, booked in the same transaction as the loan balance.
Merchant applications
Merchants apply online and choose us as their bank. We check the business registration, the owner's identity and sanctions lists, then approve: that opens the merchant account, issues the merchant ID and switches on QR codes in the ECACH directory.
Digital accounts waiting for full KYC
Customers who opened an account on their phone start at tier 1 (up to EC$1,000 per payment). Review their submitted identity documents here to lift them to tier 2.
Recent sign-ups at our institution
Liquidity at the ECCB
Moves central bank money between our RTGS settlement account and our share of the FPS pool (camt.050). Outside RTGS hours it queues for the next funding window.
| Requested | Direction | Amount | Status |
|---|
How our payments settle
Payments are already final for customers. Settlement cycles record each bank's net position in central bank money and give us a statement to reconcile our own books.
Settlement statements (camt.053)
| Cycle | Status | Sent | Received | Net | RTGS reference | Actions |
|---|