Compliance and audit

Pvium treats compliance as part of the payout workflow, not a separate after-the-fact process. Checks run before money moves, every step is recorded as it happens, and the records stay attached to the payout. When an auditor or finance reviewer asks a question months later, the answer already exists — nothing has to be reconstructed from emails, spreadsheets, or memory.

Compliance across the payout lifecycle

Every payout passes through compliance checkpoints in order. A payout that fails a checkpoint does not move forward.

Before a recipient can be paid

Recipient verification establishes who you are paying: identity checks, account ownership checks, sanctions screening, and AML checks. Required tax certificates — W-9 for U.S. persons and businesses, W-8BEN and W-8BEN-E for non-U.S. individuals and entities — are collected up front, so no one has to chase documents after money has already moved.

Before a payout is funded

Finance can review recipients, amounts, and totals exactly as they will be paid, then sign to lock the payout. Funding is a separate step gated by your organization’s own wallet, so creating a payout never moves money by itself.

When the payout is funded

Cryptographic finalization locks the approved payout so what funds is exactly what was reviewed, and on-chain settlement produces an independently verifiable trail for each funded payout.

After the payout

The complete record — creator, approver, recipients, amounts, checks that ran, funding time, and final status — is kept on the payout and can be exported for reconciliation, accounting, and audit review.

What Pvium supports

Recipient compliance

Recipient identity checks
Account ownership checks
Sanctions screening
AML checks
W-8 and W-9 collection and tax certificate tracking

Payout controls

Payout review and cryptographic signing before funding
Funding gated by your organization’s own wallet
Correction flows when recipient information is incomplete or fails validation

Records

Audit trails attached to every payout
Exportable records for reconciliation and accounting tools such as QuickBooks

Audit-ready by default

The questions finance and compliance teams get asked after a payout each map to a record Pvium already keeps:

Question	Answered by
Who was paid, and how much?	Recipients and amounts on the payout record
Were they verified?	Recipient verification results attached before funding
Was their tax status documented?	Tax certificate status kept on the recipient and payout record
Who approved the payout?	The payout record shows who created it and who signed it
What changed before approval?	Payout audit trail
Did the money actually move?	Payout state plus the on-chain settlement trail
Can we hand this to an auditor?	Exportable records covering the full payout lifecycle

Because these records are created as the payout happens, an audit is a matter of exporting what exists — not reconstructing what happened.

Recipient verification

Verify recipients before sending payouts.

Tax certificates

Track W-9, W-8BEN, and W-8BEN-E records before payout.

Records and exports

Export payout records for finance, accounting, and audits.

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Concepts