Maker-checker approvals for every decision that moves money

What needs a second person

• Settlements and repayment arrangements (two levels when the discount exceeds your threshold)
• Write-offs
• Balance adjustments and payment reversals or refunds
• Legal referrals and message templates
• Data disposal proposals

Rules the system enforces

• The proposer can never approve their own request.
• Approvers must hold the matching permission; second-level approval needs finance authority.
• Every decision stores who, when and why, and appears in an exportable audit trail.
• Sensitive account actions re-ask for password and a two-factor code.

Questions