Calculate the exposure
Verification can dominate elapsed time even when the payment rail is fast.
Record request, secure channel, submission time, acceptance and follow-up.
Variables that change it
The important fields are legal entity, secure upload, document validity, retention, status confirmation. A headline missing one cannot support a complete value or timing estimate.
Keep calculations in the account currency and record every conversion, fee and time boundary.
Decision boundary
Do not increase a deposit to unlock a tier or chase an expiry. If route, identity check or applicable limit is unclear, pause before funds enter the system.
Reader checklist
- Check legal entity
- Check secure upload
- Check document validity
- Check retention
- Check status confirmation