Route
Keep the customer-money perimeter explicit before funding recognition begins.
Outcome
Customer money, payout, and bank close stay inside one governed Indonesia operating lane.
Timing
Same day inside bank cut-off windows. Payout release is same day after beneficiary approval.
Control roles
Approved customer-money perimeter and separated-account setup
Funding recognition, ledger post, and route lock
Payout approval, beneficiary validation, and settlement finality
Statement reconciliation, sign-off, and controlled close