Canonical: https://unicorncurrencies.com/features/multi-user-collaboration/

# Capability: Team Payment Controls

## Summary

Recurring international payment flows involve operations, finance, and leadership. Businesses need clearer roles, approvals, and handoffs before high-value supplier payments are instructed.



Built for businesses with £1M+ equivalent annual FX exposure and recurring international supplier, customer, or treasury payment flows.

## Capability flow

- **Payment drafted:** Operations or finance prepares beneficiary, amount, references, and purpose.

- **Review assigned:** The right approver is identified based on amount, corridor, or policy.

- **Questions resolved:** Missing documents, references, or beneficiary details are corrected before release.

- **Approval recorded:** The business records who approved the instruction and when.

- **Outcome tracked:** Post-release status and evidence remain visible to the team.

## Workflow

- **Draft created:** Payment details are prepared with commercial context.

- **Review completed:** Approver checks beneficiary, amount, references, and documents.

- **Instruction released:** Payment moves into the supported route after approval.

- **Status shared:** Team members can follow confirmations and holds where available.

- **Records maintained:** Approvals and outcomes remain available for audit and reconciliation.

## Timing and availability factors

- currency and corridor

- route and provider arrangement

- jurisdiction and account type

- sender or beneficiary bank handling

- compliance or document review

- banking cut-off times and holidays

- accuracy of references, invoices, and beneficiary details