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VICERA
Sharia-aware controlled wallet use case

Release supplier payments only when wallet policy, checker, and audit evidence line up.

Vicera turns AP agent payment intent into a pre-execution wallet decision by checking supplier and counterparty authority, institution-approved Sharia/compliance policy, AED limits, approval separation, and audit receipts before money moves.

vendor_utility_works counterparty scopeAED 5,000 checker thresholdExpires 2026-12-31
Counterparty scope
AP Assistant can request payment.request only for vendor_utility_works.
Execution threshold
AED 12,000 exceeds AED 5,000 and stays held for AP Manager.
Execution evidence
Requires approval: Amount exceeds approval threshold of AED 5,000.

Supplier payment packet

vendor_utility_works payment release

Requires approval
Mandate
mnd_ap_invoice_payments / active until 2026-12-31
Payment
payment.request / AED 12,000 / req_inv_2026_0042_payment
Counterparty
vendor_utility_works checked against vendor_utility_works
Resource
invoice inv_2026_0042 bound to inv_2026_0042
AED controls
AED mandate / AED 5,000 checker threshold / AED 25,000 maximum
Approval separation
AP Manager / Payment approver / Approval actor is distinct from the requesting agent.

Counterparty

vendor_utility_works

Supplier scope is evaluated before payment execution can continue.

Payment

AED 12,000

Execution remains controlled after payment intent is submitted.

Threshold

AED 5,000

Above-threshold AED requests require a distinct payment approver.

Authority window

2026-12-31

Revoked or expired mandates deny otherwise-valid supplier payments.

Execution controls

Supplier payment execution is constrained by live wallet-policy evidence.

The page data comes from the same local demo fixture and presenter facts used by the authorization proof route, with institution-approved Sharia/compliance policy kept as evidence rather than an autonomous halal decision.

Counterparty scope

Payment execution is limited to approved suppliers.

vendor_utility_works must match the mandate counterparty scope before Vicera treats the AP agent request as executable.

Out-of-scope suppliers are denied before payment rails, ERP export, or exception approval.

AED thresholds

Wallet limits route auto-clear, checker, or denial.

AED requests under AED 5,000 can clear automatically; AED 12,000 pauses for a payment approver.

AED 25,000 is the hard maximum and is never routed as an approvable exception.

Approval separation

The payment requester cannot release its own exception.

AP Assistant creates the supplier payment request; AP Manager supplies separate checker evidence before execution can continue.

AP Assistant (Requesting AP agent) → AP Manager (Payment approver)

Revocation and expiry

Inactive authority fails closed.

Mandate status active is valid only until 2026-12-31. Revoked or expired authority blocks a matching supplier payment instead of sending it to approval.

The denial record preserves whether authority was revoked, expired, or otherwise inactive.

Execution boundary

Supplier payment authority is narrower than spend intent.

payment.request is checked against allowed actions, inv_2026_0042, vendor_utility_works, AED, and amount controls before release.

Unsupported actions, wrong resources, and non-AED requests stop before payment execution.

Audit evidence

Every release decision keeps reviewer-ready proof.

Vicera records the agent, mandate, counterparty, resource, amount, approval result, policy reason, and timestamp as one audit event.

evt_1kfm8zr · 2026-05-27T09:30:00.000Z

Execution path

The release path stays inspectable from AP agent request to audit event.

evt_1kfm8zr · 2026-05-27T09:30:00.000Z

  1. AP agent requests supplier payment

    AP Assistant submits payment.request for AED 12,000 to vendor_utility_works.

    req_inv_2026_0042_payment

  2. Counterparty and authority are checked

    Vicera verifies vendor_utility_works, inv_2026_0042, AED currency, active mandate state, and expiry before release.

    mnd_ap_invoice_payments

  3. AED threshold routes the checker

    AED 12,000 exceeds the mandate threshold, so the payment stays paused until AP Manager is active, eligible, and distinct.

    Approval actor is distinct from the requesting agent.

  4. Execution decision is auditable

    The final record keeps mandate state, supplier scope, AED threshold result, approval separation, decision reason, and timestamp evidence.

    evt_1kfm8zr · 2026-05-27T09:30:00.000Z

Execution states

Approvals, denials, revocations, and expiry use the same decision vocabulary.

Threshold exceptions pause for a distinct payment approver before execution can continue.

ApprovedAuto-cleared

AED 2,400 utility invoice

Amount is within the auto-approval threshold.

Mandate, supplier scope, amount limit, and audit event recorded.

Requires approvalApproval required

AED 12,000 supplier payment

Amount exceeds approval threshold of AED 5,000.

AP Assistant (Requesting AP agent) → AP Manager (Payment approver) · Approval actor is distinct from the requesting agent.

DeniedOut of scope

Payment to an unapproved counterparty

Counterparty is not allowed by this mandate.

AP Assistant (Requesting AP agent) → no approver required · No threshold exception approval is required.

Currency mismatchCurrency blocked

USD payment against AED-only mandate

USD blocked by AED-only mandate: Currency USD is not allowed by this mandate.

Currency scope is checked before threshold approval routing, preserving mandate denomination boundaries.

Limit exceededExposure blocked

AED 32,000 above mandate maximum

AED 32,000 exceeds AED 25,000 maximum: Amount exceeds mandate maximum of AED 25,000.

Hard maximum exposure is checked before exception routing, so oversized requests fail closed.

Inactive approverApprover inactive

AED 12,000 payment with inactive approver

Suspended AP Manager is suspended: Approval actor is not active.

Approver status is checked at the maker-checker gate before a threshold exception can proceed.

Wrong approver roleRole blocked

AED 12,000 payment with non-payment approver

Procurement Reviewer has Procurement reviewer: Approval actor lacks required role payment.approver.

Approver role is checked at the maker-checker gate so only payment-authorized reviewers can release threshold exceptions.

RevokedAuthority inactive

Previously valid AP payment request

Mandate is revoked.

AP Assistant (Requesting AP agent) → no approver required · No threshold exception approval is required.

ExpiredAuthority lapsed

Payment after mandate expiry

Mandate is expired.

AP Assistant (Requesting AP agent) → no approver required · No threshold exception approval is required.

Missing approverApproval missing

AED 12,000 payment without approver

No approver attached: Threshold exception requires a distinct approver.

AP Assistant (Requesting AP agent) → missing required approver · Threshold exception requires a distinct approver.

Maker-checker denialDenied

AED 12,000 threshold exception

AP Assistant cannot approve its own request: Requester cannot approve its own threshold exception.

AP Assistant (Requesting AP agent) → AP Assistant (Requesting AP agent) · Requester cannot approve its own threshold exception.

Payment audit evidence

What reviewers can inspect after the supplier payment decision.

Vicera keeps the AP agent request, supplier and counterparty scope, invoice-backed resource, AED wallet thresholds, institution-approved Sharia/compliance policy, checker evidence, revocation or expiry state, and policy reason together before money moves.

Audit event
evt_1kfm8zr
Occurred
2026-05-27T09:30:00.000Z
Payment
payment.request / AED 12,000 / req_inv_2026_0042_payment
Counterparty
vendor_utility_works against vendor_utility_works
Authority
active mandate / expires 2026-12-31 / mnd_ap_invoice_payments
Approval
approved / final approver distinct: true
Reason
Amount exceeds approval threshold of AED 5,000.