Withdrawal from treasuryAsked by Amaka Okafor, Treasurer
Needs you25,000.00 USDCto 0x7a3f…9c21 on Base
“October supplier payments.”
ApproveRefuseThen a passkey signs it
Solutions · Finance teams
Records that reconcile. Controls that hold.
Every payment arrives on its own address, matched to its invoice, till, link or checkout. Every product settles where you route it. Treasury withdrawals wait for a colleague, and switching a control off takes a colleague too.
Six roles, powers per personStatements as PDF or ExcelNo balance held by ChainPal
BusinessApprovals
2 need you
Stop requiring approval for team changesAsked by Tunde Bakare, Admin
Needs youTurning a control off needs somebody else to agree.
AgreeRefuse
Illustrative. Harbourview Markets Ltd is a sample business; the people named are sample teammates.
From payment to statement
Reconciled before it reaches you.
Matching usually happens at month-end, by hand. On ChainPal it happens when the money lands, because every payment arrives on an address that belongs to one record.
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1
Matched on arrival
Each checkout, invoice and payment link payment gets an address of its own, and every till has its own. A payment is matched to its record the moment it lands.
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2
Settled by its route
Each product settles to the destination you chose for it, and only to destinations ChainPal has reviewed. Change one route without touching the rest.
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3
Reported for the close
Download a statement by month or tax year, as PDF or Excel, and export every payment as a CSV with its reference and transaction hash.
Illustrative. Sample records for Harbourview Markets Ltd.
Approvals and controls
Nobody moves money alone.
Controls are set by your team, not by ChainPal. They are easy to switch on and deliberately hard to switch off, because a control the person it constrains can lift alone is not a control.
Roles and powers
Give each person exactly the access their job needs.
Six roles cover most teams: Owner, Admin, Treasurer, Operator, Analyst and Auditor. When a role gives someone more than you want, withhold a single power from that one member without changing anyone else.
- Withhold any single power from a member
- Auditor access ends on the date you set
- Two-factor sign-in with an authenticator app
Approval policies
Decide which decisions need a second person.
Require a colleague for treasuries, withdrawals and team changes. Turning a requirement on takes effect at once. Turning one off needs somebody else to agree, so no one can quietly lift a control on themselves.
- The requester can never approve their own withdrawal
- A single controller gets a 24-hour cooldown on new destinations
Customer credit
Overpayments are tracked, not lost.
Invoices track part payments as they arrive. When a customer pays more than they owe, the difference becomes customer credit and comes off their next invoice, with the full history on their customer record.
How Invoices workIllustrative. Sample team, policies and invoice for Harbourview Markets Ltd.
Also built in
The rest of the month-end, covered.
Routing, withdrawals, exports and answers, each designed so that the record and the money always agree.
Routing per product
Checkout and API, links, invoices, terminals, OTC and payroll can each settle to a different destination you own.
Withdrawals a colleague approves
A treasury withdrawal is requested, approved by someone else, then signed with a passkey. ChainPal’s relayer submits it and pays the gas.
Every payment, exported
A transactions CSV with the date, reference, product, amount, coin, network and transaction hash. Real records, not a summary.
Answers with evidence
Ask Aria who owes you or what came in this month. Every figure links to the records it came from. About Aria
Illustrative. Sample routes, records and answers for Harbourview Markets Ltd.
Works with
The products finance teams lean on.
Every control on this page applies across the platform, from the first payment to the last withdrawal.
Questions
Finance, answered.
Want to walk through your controls with us? Write to help@chainpal.org.
Can someone approve their own withdrawal?
No. A treasury withdrawal is requested by one person and approved by a colleague, and the requester can never be that colleague. Only then is it signed with a passkey and submitted.
What if only one person runs our account?
A business with a single controller has no colleague to approve, so it gets a 24-hour cooldown on new payout destinations instead. Add a teammate and approvals work as they do for any team.
Can approvals be switched off?
Yes, but not by one person. Turning an approval requirement on takes effect at once. Turning it off needs somebody else on the team to agree.
What is in a statement?
What was collected in the period, what has been paid out to you and what is still on its way, the number of payments, a breakdown by channel and your leading customers. Payroll is shown apart, because it is spend, not revenue. Statements cover a month or a tax year and download as PDF or Excel.
Does ChainPal connect to our accounting software?
Not directly. Statements download as Excel and every payment exports as a CSV, so your team can bring them into the tools you already use.
Does ChainPal ever hold our money?
No. Each payment lands on an address created for it and moves straight on to the destination you set for that product. There is no ChainPal balance in between, so there is nothing to reconcile against.
Open for business
Build on rails you control.
Open an account, choose where each product settles and take your first payment in digital dollars. No setup fee, and no balance held on your behalf.