Product Catalog

The full treasury product catalog — each product implemented as an independent Temporal child workflow.

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Each product maps to an independent ProductProvisioningOrchestrator child workflow launched during Phase 5. Products are segment-gated — a case can only include products available to its segment. All eligible product workflows run concurrently via Promise.allOf().

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Payments

#	Product	SMALL	MEDIUM	ENTERPRISE	Child Workflow	Notes
1	ACH Origination	✓	✓	✓	ACHOriginationWorkflow	Entitle origination limits in Treasury Platform
2	ACH Collection	✓	✓	✓	ACHCollectionWorkflow	Entitle debit collection authority
3	Wire Transfer — Domestic	✓	✓	✓	WireDomesticWorkflow	Account setup reference required; human task — operations review; durable activation timer
4	Wire Transfer — International (SWIFT)			✓	WireInternationalWorkflow	SWIFT BIC assignment; additional compliance screening
5	Real-Time Payments (RTP)			✓	RTPProvisioningWorkflow	Register with Instant Payments Network adapter
6	FedNow Instant Payments			✓	FedNowWorkflow	Federal Reserve FedNow registration
7	Bill Pay	✓	✓	✓	BillPayWorkflow	Payment Processing Platform + Financial Data Service setup

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Fraud and Reconciliation

#	Product	SMALL	MEDIUM	ENTERPRISE	Child Workflow	Notes
8	Positive Pay (Check ARP)	✓	✓	✓	PositivePayWorkflow	Account Reconciliation Program; human task — specialist review
9	Payee Positive Pay		✓	✓	PayeePositivePayWorkflow	Extends check Positive Pay with payee name match
10	ACH Filter / Reverse Positive Pay		✓	✓	ACHFilterWorkflow	ACH debit block and filter rules setup

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Receivables

#	Product	SMALL	MEDIUM	ENTERPRISE	Child Workflow	Notes
11	Lockbox — Wholesale	✓	✓	✓	LockboxWholesaleWorkflow	Document Management System + Core Banking setup
12	Lockbox — Retail / Remittance			✓	LockboxRetailWorkflow	High-volume remittance processing configuration
13	Remote Deposit Capture (RDC)	✓	✓	✓	RemoteDepositCaptureWorkflow	Device provisioning + Core Banking limit setup
14	Integrated Receivables		✓	✓	IntegratedReceivablesWorkflow	Consolidates Lockbox + RDC + ACH into single receivables stream

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Disbursements

#	Product	SMALL	MEDIUM	ENTERPRISE	Child Workflow	Notes
15	Controlled Disbursement	✓	✓	✓	ControlledDisbursementWorkflow	Dedicated disbursement account; morning presentment notification setup
16	Integrated Payables		✓	✓	IntegratedPayablesWorkflow	Unified check + ACH + Wire payables from single instruction set
17	Commercial Card (Purchasing Card)			✓	CommercialCardWorkflow	Card program setup; spend controls; GL coding configuration

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Liquidity Management

#	Product	SMALL	MEDIUM	ENTERPRISE	Child Workflow	Notes
18	Zero Balance Accounts (ZBA)	✓	✓	✓	ZeroBalanceAccountWorkflow	Concentration / disbursement ZBA structure in Core Banking
19	Investment Sweeps			✓	InvestmentSweepWorkflow	Overnight sweep to money market or repo; threshold configuration
20	CDARS / ICS (Deposit Placement)			✓	CDARSWorkflow	IntraFi Network deposit placement; FDIC coverage management
21	Foreign Currency Accounts			✓	ForeignCurrencyWorkflow	Multi-currency account setup; FX settlement instructions

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Reporting and Trade

#	Product	SMALL	MEDIUM	ENTERPRISE	Child Workflow	Notes
22	Information Reporting	✓	✓	✓	InformationReportingWorkflow	Balance + transaction reporting; BAI2 / SWIFT MT940 delivery setup
23	Trade Finance (Letters of Credit)			✓	TradeFinanceWorkflow	Documentary LC issuance authority; trade finance platform entitlement

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Segment Summary

Segment	Available Products	Count
SMALL	#1–3, #7–8, #11, #13, #15, #18, #22	10
MEDIUM	All SMALL + #9–10, #14, #16	14
ENTERPRISE	All MEDIUM + #4–6, #12, #17, #19–21, #23	23

Note: Anchita Digital Banking Portal access is provisioned in Phase 6 (Digital Banking Setup) as a platform-level operation — it is not a product workflow in the Phase 5 fan-out. All segments access the same portal; tier-based feature gating (STANDARD vs ENTERPRISE) is enforced at runtime.

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Adding a New Product

Each product workflow is an independent Temporal child workflow. Adding a new product means:

1. Implement the child workflow class (e.g., NewProductWorkflow.java)
2. Add its product code to the appropriate segment sets in WorkflowConfig
3. Add the product to the product_catalog table (for UI product selection)
4. Register the workflow with the Temporal Worker

The ProductProvisioningOrchestrator does not need to change — it iterates over case.selectedProducts() and starts child workflows for any product code present in WorkflowConfig.availableProductCodes().