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Audit trail

CashXChain maintains a structured audit trail for accounts, beneficiaries, quotes, payments, balance movements, webhook delivery, user actions, and compliance-relevant lifecycle events.

The audit trail is designed for finance, operations, compliance, and engineering teams that need to understand not just what happened, but when, why, and through which workflow.

What is recorded​

Depending on resource type and account configuration, CashXChain records:

  • Resource creation and updates.
  • User, API key, or system actor.
  • Timestamps.
  • Environment.
  • Payment status transitions.
  • Quote creation and acceptance.
  • Beneficiary changes.
  • Approval decisions.
  • Screening and review states.
  • Webhook delivery attempts.
  • Ledger movements.
  • Statement generation.
  • Error codes and retry attempts.

Payment timeline​

Every payment includes a timeline. The timeline provides normalized status changes across CashXChain and partner systems.

{
  "payment_id": "pay_6pD3...",
  "timeline": [
    {"status": "created", "at": "2026-06-01T09:00:12Z"},
    {"status": "screening", "at": "2026-06-01T09:00:13Z"},
    {"status": "authorized", "at": "2026-06-01T09:00:18Z"},
    {"status": "processing", "at": "2026-06-01T09:00:19Z"},
    {"status": "completed", "at": "2026-06-01T09:00:42Z"}
  ]
}

Audit exports​

Audit data can be exported through statements, event APIs, and dashboard reports. Enterprise customers can request additional retention, export, or integration patterns.

Retention​

Retention depends on legal requirements, customer agreements, partner obligations, and data protection rules. CashXChain retains operational and compliance records for as long as required to satisfy legal, accounting, security, and regulatory obligations.

Best practices​

  • Use stable external references for every payment.
  • Store CashXChain IDs in your system of record.
  • Subscribe to webhooks rather than polling only.
  • Review audit logs after operational incidents.
  • Separate user roles for payment creation, approval, and admin actions.