The bank side of the agents
0.69 USD bookedafter finality
CFO · Face IDapproves the invoice
EUR 110.00 by FXonly the shortfall
€240 PAID by SWIFT6 s after Face ID, in the sandbox, where the settlement is simulated · Airwallex 03360bfa…
0.69USD booked after finality
€240licence paid by SWIFT
€110bought by FX for the shortfall
1card decline at the limit (TAP run)
Airwallex enforces each card's limit itself, and pays an invoice only after the CFO's Face ID.
The live proof, with every Airwallex id
- A company card per agent (Issuing): 3 virtual Visa cards; each card's limits, merchant categories and currency sit on the card at Airwallex •••• 1423 · •••• 6203 · •••• 6279
- Approved by Airwallex: 1 charge, €45.00 in all, inside the card's limits Airwallex id 01a1a12f-4…0007
- FX conversion on a locked quote: USD 124.29 → EUR 110.00, only the shortfall, SETTLED Airwallex id 3ca88196-0…4636
- SWIFT payout of an invoice: EUR 240.00 to the allowlisted supplier, PAID in the sandbox, where the settlement is simulated, fee EUR 13.42; the approval hash is in the transfer's metadata Airwallex id 03360bfa-a…3985
- Metal earnings booked at Airwallex: USD 0.69 booked once as a simulated sandbox deposit that names the sweep's testnet transaction (no test USD reached Airwallex) Airwallex id b3812e05-2…e0a0
- The limit, enforced by Airwallex (TAP run · 2 Nov · test money): EUR 45.00 declined, over the card's limit Airwallex 01a19bfa… · read back with GET: FAILED
The Airwallex features we use, and their docs
- A company card per agent: Create commercial cards ↗ · Cardholder types ↗
- Limits that sit on the card: Transaction limits ↗ · Cards API ↗
- Every approve and decline, booked once: Issuing transactions API ↗
- Invoices paid by SWIFT, exactly as approved: Transfers API ↗ · Create beneficiaries ↗
- Metal earnings booked once final: Simulate deposits to your Global Account ↗
What is simulated
- The Airwallex sandbox, with test money only.
- The SWIFT payout's settlement: Purser moves the sandbox transfer to SENT, then PAID, through Airwallex's simulation API; the 6 s are measured from the CFO's Face ID to PAID.