Process Overview

How Prysmar Works

A transparent, step-by-step process for secure USD movement through regulated banking infrastructure.

1

Funds Received via ACH

Your business or approved counterparties initiate ACH transfers from their U.S. bank accounts to Prysmar.

2

Balances Recorded & Reconciled

Incoming funds are recorded in your ledger with complete ownership documentation and audit trails.

3

Funds Disbursed via ACH

Schedule and execute ACH payouts to approved counterparties based on your business requirements.

4

Optional Downstream Transfer

If needed, funds can be transferred to regulated financial institutions outside the platform.

Standard ACH processing times apply: 1-3 business days for settlement

Detailed Process Flow

1

ACH Collection

The process begins when your business or an approved counterparty initiates an ACH transfer from their U.S. bank account.

What Happens:

  • Payer initiates ACH debit or credit from their verified U.S. bank account
  • Transaction enters the ACH network and follows standard processing timelines
  • Prysmar receives notification of pending transfer and tracks settlement status
  • Funds settle into partner financial institution accounts within 1-3 business days
2

Balance Recording & Reconciliation

Once funds settle, Prysmar records the transaction in your ledger and performs automated reconciliation.

What Happens:

  • Settled funds are recorded in your dedicated USD ledger with timestamp and source details
  • Ownership records are updated to reflect your business's available balance
  • Automated reconciliation matches bank settlement with ledger entries
  • Complete audit trail is generated for compliance and accounting purposes
3

Scheduled Disbursements

When you're ready to disburse funds, Prysmar executes ACH payouts to your approved counterparties.

What Happens:

  • You schedule disbursements through the platform or API with specified amounts and recipients
  • Approval workflows are executed based on your configured business rules
  • Prysmar initiates ACH credit transfers to verified recipient bank accounts
  • Your ledger is updated to reflect the outgoing disbursement and new balance
4

Optional Downstream Transfer

If your business model requires it, funds can be transferred to regulated financial institutions outside the Prysmar platform.

What Happens:

  • Recipients can transfer funds to their accounts at other regulated U.S. financial institutions
  • Any downstream activity occurs outside Prysmar's platform and is handled by the recipient
  • Prysmar maintains records of the disbursement but not downstream transfers
  • All downstream activity is subject to the recipient's financial institution's terms and regulations

Core Principles

Every step of the Prysmar process is designed around transparency, security, and regulatory compliance.

Full Transparency

Complete visibility into transaction status, settlement timelines, and balance changes at every step.

Clear Ownership

Unambiguous records showing exactly who owns which funds at all times with complete documentation.

Settlement-Aware

Processing aligned with actual bank settlement windows, not instant transfers or speculative balances.

See Prysmar in action

Schedule a consultation to learn how our platform can support your treasury operations.

Contact Sales Team