Movement, transmitted on the record.
Solvanepay wire room
SHEET 04-118 · DOMESTIC PRIORITY
DEBIT ACCOUNTOPERATING ····8124
BENEFICIARYCANYON TOOLING LLC
AMOUNT$24,800.00
SPEEDSAME-DAY · CUT-OFF 16:00 ET
MEMOTOOLING DEPOSIT · PO-2261
TRACEWIRE-771204 · RETAINED ON THE DAY-BOOK
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Instruct
A transfer is filed with its account, amount, speed and memo — the four facts an auditor will ask for later. The wire room refuses unsigned instructions.
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Trace
Every posted movement carries a trace beside its line. If an amount fails, the desk strikes it through and excludes it from totals — recorded, but never counted.
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Settle & file
Cleared movement lands in the day-book grouped by date, next to card captures and ACH batches. Counterparty records keep bank, account and routing on file for reuse.
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Review
Limits and review dates sit on the account record. Treasury reads the same ruled lines finance reads — one source, no reconciliation lottery.
| Rail | Speed | Cost per line | Notes |
|---|---|---|---|
| Domestic wire | SAME DAY | $14.00 | Until 4 p.m. ET cut-off |
| ACH debit / credit | 1–2 DAYS | $0.25 | Batched hourly |
| Card capture | T+2 | 1.9% + $0.10 | Tagged by card last-four |
| Cheque capture | NEXT DAY | $0.00 | Desk capture, both sides |
| Failed amount | — | Struck, not counted | Excluded from desk totals |
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