CAP-046 — Real-time account opening (sub-10 minutes)

Category	Onboarding & access
Business goal	BG-001
Satisfying module	MOD-009 eIDV · MOD-010 CDD engine
Mode	GATE
BD owner	BD01 Customer
Human needed	No

A complete account opening journey — identity verification, CDD tier assignment, account creation, and digital card issuance — completed end-to-end in under 10 minutes on a mobile device. The account is active and the customer can make payments before the onboarding session ends. No human intervention is required for standard-risk customers; the eIDV result gates account activation.