CAP-018 — Shared accounts & joint authorisation

Category	Visibility & control
Business goal	Not yet linked to a business goal
Satisfying module	MOD-002 Core account engine
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

Joint accounts with two or more account holders, configurable for individual or joint-and-several authorisation on transactions above a threshold. Each account holder has their own authenticated access and receives their own transaction notifications. The core account engine enforces the authorisation rules on every posting.