Dealer-issuers can now define their own EFT settlement period (T+0, T+2, etc.) when setting up investment cards to better align with internal policies and risk controls.
💡 What This Feature Does
If you're a dealer issuing your own investment card through addy, you can now control how quickly investor EFT payments are settled into their wallets. This means you can:
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Accelerate funding for instant access (T+0)
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Delay wallet crediting (T+2, T+5, etc.) to reduce chargeback risk or meet internal capital controls
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Align settlement with your clawback period or operational requirements
This gives you more flexibility, more control, and better alignment with how you manage risk and capital inside your business.
🧭 How It Works
When setting up a new card in the admin interface, you'll see a new field:
EFT Settlement Period (Business Days)
Here’s what you need to know:
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You can enter a positive whole number (e.g., 0, 2, 5)
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This number represents the number of business days before investor funds show as “credited” in the wallet
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The system will delay the crediting of wallet funds according to this custom period
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If left blank, we’ll assume instant settlement.
This applies only to EFT funding – wires and other methods are processed separately.
🔍 Admin Views & Audit Trail
For transparency and traceability:
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The custom EFT settlement value will be recorded in the card settings
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Wallet ledger entries will show the adjusted “credited” date
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Audit logs will reflect the dealer-defined delay
Only users with Dealer Admin permissions can view or edit this setting. Regular admins and members will not see this field.
⚠️ Who Can Use This?
This setting is only available to:
✅ Dealers issuing their own cards
✅ Users with Dealer Admin access
It’s not available to members or standard admin users.