$5,000 CAD) or sudden behavior changes (account dormant then sudden high turnover). For AML, integrate your case-management with Suspicious Transaction Reports and keep logs for 7+ years depending on provincial rules. H2: Reconciliation & ledger design — small formulas that matter Always keep two ledgers: “player ledger” and “settlement ledger”. Reconcile daily and reconcile by payout batch id. Simple reconciliation metrics: – Expected settlement = sum(withdraw_requests where state in [processing, completed]) – sum(refunds) – Reconciled ratio = settled_amount / expected_settlement — target > 99.95% daily If ratio slips, trace by batch_id and idempotency_key immediately. H2: Provider API patterns and a short comparison table | Approach | Pros | Cons | Typical latency | |—|—:|—|—:| | PSP Gateway (Visa/Mastercard rails) | Broad card coverage, familiar processes | Higher fees, chargebacks | 24–72h | | Issuing-bank integration (direct) | Lower fees, faster settlements | Harder contract, regional | 24–48h | | Hybrid (cards + e-wallet/crypto withdrawals) | Best UX flexibility, fewer fails | More UX complexity, more rails to support | e-wallet:

