Guide

How to answer “who approved this payment?”

This is the first question sponsor banks and auditors ask. If your answer involves digging through logs and asking teammates, you have an evidence gap.

The problem

Programmable payments execute fast — often automatically, driven by agents or automated rules. When a reviewer asks who or what approved a specific payment, the answer is usually scattered across application logs, Slack threads, and memory. The approval happened, but the evidence trail doesn't exist in a structured, reviewable format.

This matters because sponsor banks, internal auditors, and enterprise partners don't just want to know the payment went through. They want to see the approval chain: who authorized it, under what policy, at what time, and whether the required checks ran first.

The answer Kontext gives you

Every payment decision includes a structured approval chain with timestamps, authority level, and policy reference.

Payment Decision Packet
Compliant
Payment Summary

Amount

$48,200 USDC

Type

Vendor payout

Corridor

US → EU (Base)

Timestamp

2026-03-21 09:14 UTC

Initiation Source

Initiator type

AI agent

Agent ID

treasury-rebalancer-v2

Instruction ref

payout batch #A-449

Policy Checks
Counterparty allowedPassed
Threshold exceeded → dual approval requiredTriggered
Daily volume limitWithin limit
Sanctions Screening
OFAC/SDN checkClear

SDN v2026.03.21 · Checked at 09:14:02 UTC · 38ms

immutable logpolicy versionscreenedinitiation sourceexportable

How Kontext captures approvals

  • Records whether the approver was a human operator, automated system, or multi-step escalation
  • Captures the policy version in force at decision time — not a retroactive guess
  • Links the approval to screening results and compliance checks that ran first
  • Produces a tamper-evident record that proves the approval chain hasn't been modified

Be ready to answer every payment question