PaymentsCierge — governed payment authority & signed receipts
Payment systems move value. KATLAS governs the authority to act.
KATLAS CAR — runtime governance layer
KATLAS CAR governs account-verification and payment-authority workflows at runtime. Sensitive banking data remains off-ledger. KATLAS records purpose, consent, authority checks, proofs, and attributable receipts.
User / Requester
The employee, payroll administrator, or supplier manager that initiates the workflow (e.g. submits a void-cheque replacement).
Reviewer / Approver
Roles that verify payee details and decide approve / reject. Authority is checked against the scenario at runtime.
Digital bank or embedded-finance platform
The system of record for the account being verified or updated. KATLAS does not replace it — it governs the workflow around it.
KATLAS CAR governance layer
Runtime decision engine: enforces consent scope, authority matrix, exception detection, and signs receipts.
Policy / authority rules
Per-scenario authority matrix and policy catalog (who can request / review / approve, exception triggers, consent rules).
Off-ledger secure storage
Account numbers, transit, institution, holder details remain inside the controlling organisation. KATLAS only sees hashes/proofs.
Receipt / evidence layer
Every consent, review, approval, rejection and handoff produces a signed CAR receipt — attributable to actor, role, purpose and evidence hash.
Auditor / counterparty verification
Optional — auditors and counterparties verify a receipt independently via the redacted, read-only public Trust Receipt link.
Key architecture message
KATLAS CAR governs account-verification and payment-authority workflows at runtime. Sensitive banking data remains off-ledger. KATLAS records purpose, consent, authority checks, proofs, and attributable receipts.