Gating in zPayments
Three gates control whether a payout can happen. They are enforced continuously, not only at sign-up.
Verification gate
An account cannot pay out until identity verification is approved. A rejected verification cannot proceed. If an approved verification is later downgraded, or a screening match appears, payout functionality is switched off for that account until the matter is resolved.
Wallet whitelisting
A sender can only deposit from a wallet address recorded and verified during onboarding. Ownership of the address is declared by the customer and verified through the identity provider. A declaration on its own is not enough, and an address that has not been verified cannot fund a payout. Deposits arriving from an unrecorded address are not attributed automatically and have to be resolved manually.
Pre-execution checks
Seven conditions are confirmed before a payout is approved. If any one of them fails, the transaction is suspended, escalated to compliance, and does not resume until the failure is cleared and the resolution recorded.
Condition
Customer approved
Wallet approved
Sanctions checks complete
Blockchain screening complete
Beneficiary validated
Purpose of the transaction understood
Liquidity confirmed
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