Canonical: https://unicorncurrencies.com/features/multi-user-collaboration/ # Intelligence: Multi-User Collaboration & Approval Workflows ## Summary Unlimited team members with role-based access Invite team members with role-based permissions. Treasury managers approve payments, accountants review transactions, operations tracks shipments. Everyone sees exactly what they need—nothing more, nothing less. ## How It Works - **Step 1:** Invite Team Members — Add team members by email. They receive a secure invitation link to create their account with two-factor authentication. - **Step 2:** Assign Roles — Choose from predefined roles (Admin, Treasury, Accounts, Operations, Viewer) or create custom roles with specific permissions. - **Step 3:** Set Approval Workflows — Configure payment approval rules: amounts over £10k require manager approval, international payments need CFO sign-off, etc. - **Step 4:** Collaborate in Real-Time — Team members work simultaneously. Comments, approvals, and status updates sync instantly. Activity log tracks everything. ## Benefits - Unlimited team members—no per-seat fees - Role-based access control (Admin, Treasury, Accounts, Operations) - Custom approval workflows by amount, currency, or destination - Activity logs for compliance and audit - Real-time collaboration—no sync delays - Two-factor authentication for all users ## Use Cases - **Segregation of Duties:** Operations enters payments, Treasury reviews rates and approves, Finance reconciles. No single person can initiate and approve—proper controls. - **Distributed Team:** CFO in London, Operations in Hong Kong, Accounts in Mumbai. Everyone accesses the same real-time data, approves from anywhere, and sees unified dashboards. - **Temporary Access:** External auditor needs 30-day read-only access. Create a Viewer role, set expiry date, and revoke automatically. Full activity log tracks their access. ## Operational Difference - **Team Members:** Unicorn Currencies: Unlimited—no per-seat fees. Banks: 1-3 users included, then £20-50/user. - **Roles:** Unicorn Currencies: Customizable with granular permissions. Banks: Limited (Admin/User only). - **Approval Workflows:** Unicorn Currencies: Configurable by amount/currency/destination. Banks: Basic or none. - **Audit Trail:** Unicorn Currencies: Complete activity log. Banks: Limited visibility. ## FAQs - **How many team members can I add?** Unlimited. We don't charge per-seat fees. Add your entire finance team, operations, executives—everyone who needs access. Each gets their own login with two-factor authentication. - **What roles are available?** Predefined roles include: Admin (full access), Treasury (payments and FX), Accounts (view and reconcile), Operations (container tracking and logistics), and Viewer (read-only). You can also create custom roles with specific permissions. - **How do approval workflows work?** Configure rules based on payment amount, currency, or destination. Example: payments over £10,000 require Treasury Manager approval; payments to new suppliers require Finance Director sign-off. Approvers receive notifications and can approve from mobile. - **Can I see who did what?** Yes. The activity log records every action: logins, payments initiated, approvals given, settings changed. Filter by user, date, or action type. Essential for compliance and internal audit. - **Is two-factor authentication required?** Yes, for all users. We support authenticator apps (Google Authenticator, Authy) and SMS verification. Admins can enforce additional security policies like session timeouts.