Confirmation of Payee

A synchronous name-match pre-flight check before a push payment executes

Confirmation of Payee A synchronous name-match pre-flight check before a push payment executes enter payee name + account name query route by sort / IBAN verdict + reason match / close / no-match warn or proceed confirm payment execute transfer Name query Graded verdict Execute Payer · confirming payment · Sequence participant Payer confirming payment Payer Bank · requesting side · Sequence participant Payer Bank requesting side CoP Service · shared switch · Sequence participant CoP Service shared switch Payee Bank · responding side · Sequence participant Payee Bank responding side Legend request return security async trace

Advisory, not a block

  • • Runs before the instruction is confirmed
  • • Returns a signal, does not move money
  • • Payer bank turns it into a warning or friction

No enumeration oracle

  • • Reveal on-record name only on close-match
  • • Fail open on timeout, log the caveat
  • • Cache reachability, never the verdict

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