High-value wires — dual-control release
Simulated wireA wire is captured with its full routing and correspondent detail by one member of staff and posts nothing. A second, different staff user with release authority reviews the instruction, the validation result and the sanctions screening, and approves or rejects it with a mandatory note. The capturing user can never approve their own wire.
SIMULATED high-value settlement — this module's own settlement engine, not a real wire network
High-value wire instructions in this module settle through an INTERNAL SIMULATION, not through a real wire network. There is no SWIFT, Fedwire, CHAPS or TARGET2 connection, no correspondent or intermediary bank is contacted, no MT103 or pacs.008 message is produced or transmitted, and nothing recorded here has any effect outside this database. The correspondent, intermediary and routing fields captured on a wire are held as instruction data and screened against the seeded sample sanctions watchlist; they are never used to address anybody. On approval the wire posts as a balanced pair — debiting the ordering customer and crediting an internal scheme-settlement suspense account — and is marked pending settlement until the configured settlement lag elapses, at which point the same deterministic settlement job moves the suspense balance to the internal scheme-clearing position and the payment becomes settled. Every wire record stores the adapter identifier and a simulated flag so a stored record can never be mistaken for real wire traffic.
adapter: internal-simulated-wire.v1 · simulated: true · no wire-network connection exists
Awaiting approval
0
Nothing is waiting on a checker.
Approved — pending settlement
0
Posted as a balanced pair; awaiting the SIMULATED settlement sweep.
Settled
0
Suspense balance moved to the internal scheme-clearing position.
Rejected / validation failed
0
Terminal; nothing was ever posted against these references.
Not polling: nothing on screen can change status any more. Showing state as of .
No wire matches this view. Capture one to see it here awaiting a second staff user's approval.
Sample book disclosure: the customer accounts, staff users and sanctions watchlist in this environment are seeded demonstration data created by this module — there is no connection to a real core banking system, payment scheme or sanctions feed. Batch (ACH-style) clearing and high-value wire settlement both run through this module's own SIMULATED settlement engine, never a real scheme or wire network.