Payments Studio · Engagement
Money Movement Audit: a 3-week review of how money moves through your product
A fixed-scope, fixed-price review. At the end you have a map of your current flow of funds, a review of your partners and licensing position, a ranked list of risks, and a written scope and price for what we would do next.
[OWNER: approve a redacted sample] Price: CAD [OWNER: 5,000 proposed]. Credited against a Sprint or build started within 30 days [OWNER].
- Duration
- 3 weeks
- Model
- Fixed scope, fixed price
- Readout
- 90 minutes
Deliverables
- 01
Flow-of-funds map
Every movement of money in the product today: source, intermediary, account, ledger entry, settlement timing and who holds the funds at each point.
- 02
Partner and rail review
Contract terms, settlement cycles, reserves, exit rights and concentration risk for each processor, bank and ramp provider.
- 03
Licensing position summary
The registrations that may apply (RPAA, FINTRAC, US MTLs) and the questions to put to your counsel. This is preparation, not legal advice. Registrations, filings and legal opinions are handled by your counsel. [LEGAL]
- 04
Ranked risk register
Up to 10 risks [OWNER], each with the evidence, the likely consequence and the fix.
- 05
Next-step scope
A written scope, timeline and price for the work we would recommend, or a recommendation to do nothing yet.
Three weeks, week by week
- 01
Interviews and documents
Week 1Sessions with product, engineering, finance and compliance leads. We collect partner contracts, settlement files and ledger schema.
- 02
Mapping and analysis
Week 2We draw the flow of funds, trace a sample of transactions from instruction to settlement and test the ledger against partner records.
- 03
Findings
Week 3A written report and a 90-minute readout with your leadership team.
What we need from you
- A named internal owner
- Read access to partner contracts and the last 3 months of settlement reports [OWNER: confirm period]
- A product walkthrough
- About 6 hours of your team's time across the 3 weeks [VERIFY]
Frequently asked questions
What if the audit finds nothing significant?
The report says so, and the next-step scope may be "no further work needed".
Do we have to buy the next step?
No. The scope is yours to use with us or another firm.
Do you sign an NDA?
Yes, before we receive any documents.
Book the Money Movement Audit
Tell us what you are building, your stage, the rails or countries involved and your timeline. We'll set up a 15‑minute call. If we're not the right firm, we'll say so and suggest someone who is.