Bank Safe Mode

Enterprise Controls

Multi-approval workflows, role-based access control, transaction limits, and policy enforcement for institutional treasury operations.

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Overview

Bank Safe Mode provides enterprise-grade controls that institutional treasuries expect from traditional banking infrastructure - but built for decentralized settlement. Every transaction can be subject to multi-approval workflows, role-based access policies, per-transaction and daily limits, and configurable policy rules.

Organizations enable Bank Safe Mode at the account level. Once enabled, all transactions are evaluated against the configured policies before execution. Every action - submissions, approvals, rejections, and policy changes - is recorded to an immutable audit trail.

Core Features

Multi-Approval Workflows Configurable approval thresholds per transaction type and amount. Require 2-of-3, 3-of-5, or any M-of-N approval scheme.
Role-Based Access Control (RBAC) Four default roles with granular permissions. Custom roles can be created for specialized workflows.
Transaction Limits Per-transaction maximums and daily aggregate limits. Configurable per role, per corridor, and per asset type.
Policy Enforcement Rule engine evaluates every transaction against configurable policies before allowing execution or triggering approvals.

Default Roles

Admin Full access. Manages roles, policies, and limits. manage_roles
manage_policies
approve
submit
view
Approver Reviews and approves or rejects pending transactions. approve
reject
view
Operator Submits transactions for approval and execution. submit
view
Viewer Read-only access to transaction history and status. view

Approval Flow

1
Operator Submits An operator creates a transaction request with amount, destination, and corridor details.
2
Policy Match The rule engine evaluates the transaction against all configured policies. If the transaction is below auto-approve thresholds and matches no hold rules, it executes immediately.
3
Approval Request Created If the policy requires approval, a request is created and all eligible approvers are notified.
4
Approvers Vote Each approver reviews the transaction details and casts an approve or reject vote.
5
Auto-Resolve When the required approval threshold is met, the transaction auto-executes. If rejected, it is cancelled and logged.

API Endpoints

Method Endpoint Description
POST /v1/bsm/check Pre-check a transaction against BSM policies
POST /v1/bsm/approval/request Create an approval request for a transaction
POST /v1/bsm/approval/:id/vote Cast an approve or reject vote
GET /v1/bsm/approval/:id Get approval request status and vote tally
GET /v1/bsm/policies List all configured BSM policies

Pre-Check Request

POST /v1/bsm/check { "org_id": "org_treasury_01", "operator": "user_op_001", "tx_type": "settlement", "amount": 75000, "currency": "USD", "corridor": "US-AE" }

Pre-Check Response

{ "requires_approval": true, "matching_policy": "high_value_settlement", "approval_threshold": "2-of-3", "eligible_approvers": ["user_ap_001", "user_ap_002", "user_ap_003"], "daily_limit_remaining": 425000, "per_tx_limit": 100000, "within_limits": true }

Vote Request

POST /v1/bsm/approval/apr_a1b2c3d4/vote { "voter": "user_ap_001", "decision": "approve", "comment": "Verified counterparty and corridor compliance" }

Configurable Policies

Policies are configured per transaction type and amount threshold. Each policy specifies which approval scheme to use and any additional constraints.

{ "policies": [ { "name": "auto_approve_low_value", "tx_type": "settlement", "condition": "amount < 10000", "action": "auto_approve", "log": true }, { "name": "high_value_settlement", "tx_type": "settlement", "condition": "amount >= 10000 AND amount < 100000", "action": "require_approval", "threshold": "2-of-3", "timeout": "24h" }, { "name": "critical_settlement", "tx_type": "settlement", "condition": "amount >= 100000", "action": "require_approval", "threshold": "3-of-5", "timeout": "48h", "requires_comment": true } ] }

Audit Trail

Every action within Bank Safe Mode is recorded to an immutable audit trail. Submissions, approvals, rejections, policy changes, role assignments, and limit adjustments are all logged with timestamps, actor identities, and contextual details. The audit trail is tamper-proof and available for export to external compliance systems.