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Pre-payment validation suite
ID MOD-020
System SD04
Repo bank-payments
Build status Deployed
Deployed Yes
Last commit 178e49975435ec5926a3b4f612f5d9ee9efc8495

Runs mandatory sequence before any payment is authorised: balance sufficiency, daily limit, sanctions screen, fraud score, account status. Any failure blocks. See ADR-001.

Module dependencies

Depends on

Module Title Required? Contract Reason
MOD-013 Real-time sanctions screener Required contract/events/ Sanctions screening is a mandatory gate in the pre-payment validation chain.
MOD-023 Transaction fraud scorer Required — Fraud score check is a required gate before any payment is permitted to proceed.
MOD-003 Real-time balance engine Required — Sufficient funds check uses real-time balance to validate payment can be funded.
MOD-021 Payment limit & velocity controller Required — Velocity limit check against customer-configured limits is a mandatory pre-payment gate.
MOD-104 AWS shared infrastructure bootstrap Required — AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103 Neon database platform bootstrap Required — Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.

Required by

Module Title As Contract
MOD-022 Payment audit trail Hard dependency —
MOD-051 Financial automation rules engine Hard dependency —
MOD-067 Trade finance operations Hard dependency —
MOD-071 Payment initiation Hard dependency —
MOD-114 Direct debit mandate management Hard dependency —
MOD-119 BPAY payment integration Hard dependency —
MOD-120 PayID and Osko integration Hard dependency —
MOD-122 NZ faster payments and A2A integration Hard dependency —
MOD-135 Batch payment and payroll file processing Hard dependency —
MOD-141 Intra-bank transfer engine Hard dependency —
MOD-145 Payment hold & friction engine Hard dependency —
MOD-150 Risk management platform Hard dependency —
MOD-159 Synthetic transaction engine Hard dependency —
MOD-160 Cross-module acceptance suite Optional enhancement —

Policies satisfied

Policy Title Mode How
PAY-001 Payment Operations Policy GATE No payment leaves the bank without passing all pre-flight checks — enforced as sequential gate
AML-007 Sanctions Screening Policy GATE Sanctions screen is one of the mandatory pre-payment gates — cannot be bypassed
PAY-005 Payment Fraud Prevention Policy GATE Fraud score gate applied before every payment — high-risk payments blocked or challenged
CLQ-002 Liquidity Risk Management Policy CALC Payment volume and size contributes to intraday liquidity monitoring automatically

Capabilities satisfied

Capability Title Mode How
CAP-080 Contingent obligation management LOG Records each contingent obligation — guarantee, LC, committed facility — as a validated ledger structure with trigger conditions attached.
CAP-086 Trade document validation GATE Validates trade documents against LC conditions and blocks payment execution until all conditions are confirmed compliant.
CAP-087 Conditional fund holding & release (escrow) GATE Holds escrow funds in a restricted state and authorises release only after all defined conditions are validated.

Part of SD04 — Payments Processing Platform Compiled 2026-05-22 from source/entities/modules/MOD-020.yaml