WEBVTT
Kind: captions
Language: en

intro
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A marketplace paying sellers in dollars and stablecoins. Illustrative scenario. One person, one agent. One record of who checked, approved and paid.

h1
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<v person>A buyer browses a listing. Nothing has moved yet.
[Browse: checked by buyer; recorded by merchant app]

a1
00:00:04.000 --> 00:00:06.800
<v agent>A shopping agent states its intent and prices it. Nothing is submitted.
[Intent: checked by agent]

h2
00:00:06.800 --> 00:00:09.200
<v person>The buyer pays by card. The marketplace calls insimbi; the access decision is recorded.
[Pay: checked by insimbi API (token); recorded by insimbi audit record]

a2
00:00:09.200 --> 00:00:12.000
<v agent>insimbi checks the agent's mandate: payee, cap and scope. Allowed, and recorded.
[Policy check: checked by insimbi mandate check; recorded by insimbi record]

a3
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<v agent>The marketplace answers 402 with a price. The agent retries with a signed payment.
[Pay request: checked by agent wallet]

h3
00:00:14.800 --> 00:00:17.200
<v person>The issuer challenges, the buyer approves. The result goes on the record.
[Approve: checked by card issuer; approved by buyer; recorded by insimbi record]

a4
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<v agent>Inside the mandate its person approved, so no new approval is needed. Recorded.
[Approval: checked by insimbi mandate check; approved by the agent's principal, in advance; recorded by insimbi record]

i1
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<v insimbi>Person or agent, insimbi applies the same rules and keeps one record.
[Transaction: checked by your rules; recorded by insimbi record]

i2
00:00:23.400 --> 00:00:26.200
<v insimbi>A payout rule picks each seller's rail: same-day ACH, or a dollar stablecoin on request.
[Rail: checked by payout rule + wallet screening; recorded by insimbi record]

i3
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<v insimbi>insimbi submits on each chosen rail and takes the rail results back.
[Settle: checked by rail; recorded by insimbi record]

i4
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<v insimbi>insimbi writes one record: fee lines, the rule that chose each rail, matched to the orders.
[Record: checked by reconciliation; approved by buyer, via mandate; recorded by insimbi record]

end
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insimbi curates the right transaction, rails and record for every value movement. insimbi.net