Coreledgerpay

Coreledgerpay User Guide

Welcome to Coreledgerpay — this guide walks you through creating an account and using every feature of the app, step by step. Prefer to watch instead of read? The narrated full walkthrough covers everything below on video, with spoken narration explaining each feature as it happens on screen.

A note on where things stand: Coreledgerpay is a modern banking app under active development. Some things work exactly like a bank you already use (transfers, standing orders, savings goals, cards, password-reset emails). Identity verification is decided automatically in most cases (via our verification partner, Persona) but occasionally held for a closer look by our compliance team; check deposits are always reviewed by a person, not automatically. Either can take a little time. This guide tells you what to expect at each step.

Need to contact support? Wherever this guide says "contact support," that means support@coreledgerpay.com — email it directly with your registered email and a description of the issue.

Contents

  1. Creating your account
  2. Verifying your identity
  3. Opening a bank account
  4. Adding money to an account
  5. Send to a person
  6. Transfer between accounts
  7. Wire transfers
  8. Instant card transfers
  9. Account activity & statements
  10. Standing orders (recurring payments)
  11. Savings pots
  12. Safety Net — fee-free overdraft
  13. Subscriptions and Safe to spend
  14. Budgets
  15. Cards
  16. Perks — cashback offers
  17. Credit builder
  18. Personal loans
  19. Family — teen accounts
  20. Linked bank accounts
  21. Ask Coreledgerpay — your AI assistant
  22. Spending
  23. Spending insights
  24. Notifications
  25. Security: biometric login and passwords
  26. Instant payments (FedNow/RTP)
  27. Developer API (business accounts)
  28. Troubleshooting / FAQ

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1. Creating your account

Getting the app: iPhone/iPad testers install via coreledgerpay.com/ios — a public TestFlight beta link, no invite needed. Android testers can install directly from coreledgerpay.com/android while our Google Play listing is under review — the page walks you through the two taps Android needs to allow the install.

  1. Open the app. On the welcome screen, tap Create account.
  2. Enter your email and a password.
  3. Tap Create account. You'll be signed in and taken straight to your home screen.

Already have an account? Use Log in on the welcome screen with the same email and password instead.

Migrating from another bank? If your bank or credit union moved your account to Coreledgerpay, you don't need to register from scratch. On the welcome screen, tap Migrating from another bank? Activate your account, then enter your email and the claim secret your bank gave you separately (by phone, email, or in person), and choose your own password. Your account — including its balance — is already there waiting for you.

2. Verifying your identity

Before you can open a bank account, issue a card, or send a larger transfer, Coreledgerpay needs to verify who you are. You'll see a banner on your home screen: "Verify your identity to open accounts, issue cards, and send larger transfers." Tap it to start.

Tap Verify your identity and Coreledgerpay opens a secure, Coreledgerpay-branded verification flow (powered by Persona, our identity-verification partner) right inside the app. You'll be asked to:

Once you finish, you're brought back to the app automatically. Most verifications are decided in seconds; some are held for a closer look by our compliance team, which can take up to 1 business day.

While you wait, the home screen banner turns to "Your identity verification is pending review." You can still browse the app, but opening an account, issuing a card, or sending a larger transfer will stay blocked until you're approved. If you closed the app before finishing, tapping the banner again picks up right where you left off instead of starting over.

If it's rejected: the banner will say "Your verification needs another look — tap to resubmit", along with the reason it wasn't approved. Tap it to go through the verification flow again — you can resubmit as many times as needed.

Once approved, the banner disappears and every feature that needed verification is immediately unlocked — no need to restart the app. Your checking account is opened automatically the moment you're approved, so there's nothing further to set up before you can receive money, add funds, or use the rest of the app.

3. Opening a bank account

Your first (checking) account opens automatically as soon as your identity is verified — you don't need to do anything else. If you ever find yourself with no accounts at all (for example, a one-off account-opening hiccup), the home screen shows an Open an account button as a fallback; tapping it opens a checking account right away, showing its type and balance in your account list immediately.

4. Adding money to an account

From an account's activity screen, tap Add money and choose how:

  1. Tap Take photo (or Choose photo to pick an existing picture) for the front of the check, then again for the back. You'll see a preview of each as you capture it.
  2. Enter the amount the check is written for.
  3. Review the submission details and tap Submit for review.

Unlike instant add-money, a check deposit does not credit your account right away — you'll see "Check deposit submitted — funds will be available once reviewed". A staff reviewer compares your claimed amount against the photographed check before crediting your account, so it can take a little time (similar in spirit to identity verification's own occasional compliance-team review, though check deposits are always reviewed by a person). If it's rejected (e.g. the photo is illegible or the amount doesn't match), you'll be notified with the reason and nothing is credited.

Tap View past check deposits on this same screen to see every check you've ever deposited — its status, amount, and (tapping into one) the actual front/back photos you submitted with it, the same photos a staff reviewer looked at.

Amount fields throughout the app accept common money formats — for example $1,000.00, 1,000, or 1000.00.

On an account's activity list, each transaction row has a Transaction actions menu. Use it to recategorize a transaction or choose Report a problem if something looks wrong — you no longer need to long-press the row to find that action.

5. Send to a person

Send to a person is Coreledgerpay's Zelle/Cash App-style way to pay another Coreledgerpay customer using nothing more than their email address — no account numbers to exchange.

  1. Tap Send to a person on the home screen, or open the Transfer tab and choose Send to a person there — both take you to the same place. The Transfer tab is also the one place that lists every way to move money (a person, one of your own accounts, or a linked outside bank) if you're not sure which you need.
  2. Enter the recipient's email address — the one they registered with — and tap Find recipient.
  3. Coreledgerpay confirms who that resolves to ("Sending to jane@example.com") before you enter an amount, so you can catch a typo before any money moves, the same confirmation step Venmo/Cash App show. If you're not sure it's the right person, tap Not who you meant? Change to re-enter the email.
  4. Choose the account to send From, enter the Amount (for example $1,000.00 or 1,000) and an optional description, then tap to send.
  5. Review the Review payment sheet. Nothing moves yet — check the amount, From account, To email, and fees, then tap Send payment. You'll see a confirmation, and the recipient is notified they received a payment (with an email receipt too, unless they've turned that off — see Notifications).

"No Coreledgerpay account found for that email"? Double-check the email is typed exactly right. On iPhone, autocorrect can occasionally change an unfamiliar email address right as you tap Find recipient — if you're sure the email is correct, retype it carefully and try again.

Sending a larger amount for the first time? If your identity hasn't been verified yet, larger transfers are blocked until it is — see Verifying your identity.

6. Transfer between accounts

Use Transfer money when you already know the exact account ID you're sending to — for example, moving money between your own accounts, or paying someone who's given you their Coreledgerpay account number directly (rather than their email — see Send to a person for that instead). To find and share your own account number, see Account activity & statements's Account details icon.

  1. Open the Transfer tab and choose Between my accounts.
  2. Choose the account to send From.
  3. Enter the recipient's account ID under To account ID — or tap a saved recipient chip if you've sent to them before.
  4. Enter the Amount (for example $1,000.00 or 1,000) and an optional description.
  5. Tap to send, then review the Review transfer sheet. Nothing moves until you tap Send transfer. You'll see "Transfer completed successfully".

Save a recipient for next time: after entering a recipient's account ID, tap Save recipient, give them a nickname (e.g. "Mom"), and they'll show up as a quick-select chip the next time you send money or set up a standing order.

Sending a larger amount for the first time? If your identity hasn't been verified yet, larger transfers are blocked until it is — see Verifying your identity.

7. Wire transfers

Wire transfers are a same-day, high-value way to send money to an outside bank, or receive money from one. Unlike every other transfer in the app, a wire is always held for staff review before it actually goes out — this is standard practice at every real bank, since wires are same-day final and one of the highest-value fraud targets. Open the Transfer tab and choose Wire transfer for both directions below.

Sending a wire:

  1. Choose Send a wire, then the account to send From.
  2. Enter the beneficiary's bank name, 9-digit routing number, account number, and name, plus an optional memo.
  3. Enter the Amount, review it, and tap Submit for review. Nothing moves yet — your wire shows as PENDING_REVIEW until a staff member releases or declines it.
  4. Once reviewed, its status updates to RELEASED (sent) or DECLINED (with a reason, and nothing was ever debited).

Identity verification is required to send a wire of any amount, even a small one — wires carry more fraud risk than an ordinary transfer, so this isn't gated only above the usual large-transfer threshold the way Send to a person is.

Receiving a wire:

  1. Choose Receive a wire, then the account to receive into.
  2. Give the routing number and account number shown to whoever is sending the wire — tap either to copy it.
  3. A wire typically takes a business day or more to actually arrive; once your bank/BaaS partner confirms it has, a staff member records it and the account is credited right away — there is no separate review step on this side.

Note: No real wire ever leaves or enters Coreledgerpay in this environment, and there is no OFAC/sanctions screening — see docs/wire-and-card-push-compliance-overview.md for the full technical/compliance detail, including exactly what a licensed deployment would need to add before either direction could move real money.

8. Instant card transfers

Instant card transfers send money right to any Visa or Mastercard debit card in seconds — the same underlying rail (Visa Direct/Mastercard Send) that Cash App, Venmo, and PayPal's own "instant transfer" features use, since none of those apps are bank rails themselves. Open the Transfer tab and choose Instant card transfer.

  1. Choose Send instantly, then the account to send From.
  2. Enter the destination debit card number and an Amount.
  3. Review the transfer — a small instant-transfer fee applies, shown before you confirm — then tap Send instantly. Unlike a wire or a linked-bank transfer, this settles immediately.

Simulate an incoming instant payment: since there's no real card network connected in this environment, tap Simulate incoming to see what receiving one looks like — choose an account and an amount, and it's credited right away, the same way Simulate a direct deposit stands in for a real payroll batch.

Note: No real card push ever leaves or enters Coreledgerpay in this environment. Receiving a real instant payment onto your own Coreledgerpay card would additionally require Coreledgerpay's card-issuing program to be registered as a receiving participant with the card network — see docs/wire-and-card-push-compliance-overview.md for why that's a fundamentally bigger undertaking than sending.

9. Account activity & statements

Open any account and tap its name (or the balance card on the home screen) to see its activity — every transaction, searchable by description or category. The top bar there also has your way to find your account number and a couple of icons to take that activity away with you:

Every statement shows the account holder, the account and period covered, the opening and closing balance, and a full transaction list with a running balance — everything a lender, landlord, or tax preparer typically asks to see.

10. Standing orders (recurring payments)

Standing orders are recurring transfers that Coreledgerpay sends automatically on a schedule you set — useful for rent, subscriptions, or regular savings contributions.

  1. Go to Standing orders and tap New.
  2. Choose the From account, then the recipient — either Account ID (pick a saved recipient or enter a To account ID) or By email, the same email-lookup step as Send to a person: type an email, tap Find recipient to confirm it before continuing.
  3. Set an Amount, an optional Description, and how often it Repeats.
  4. Optionally tap First payment to pick a future start date — e.g. rent from the 1st of next month. Left alone, the first payment runs right away, then repeats on your schedule either way.
  5. Optionally tap Ends to make the standing order stop on its own — either on a specific date or after a number of payments (e.g. "12 payments then stop" for a year-long commitment). Left alone, it repeats forever until you pause or cancel it yourself.
  6. Review the Review standing order sheet and tap Create standing order — you'll see "Standing order created".

From the Standing orders list you can:

Each entry shows its current status (e.g. ACTIVE, PAUSED), who it pays, and its next payment date. One that reached its own end condition shows COMPLETED instead — a distinct status from CANCELLED, since it finished on schedule exactly as you set it up rather than being stopped early. A completed standing order can't be paused, resumed, or cancelled (there's nothing left to stop).

11. Savings pots

Savings pots are separate goal-based savings spaces you fund from your main account — similar to Monzo's Pots or Revolut's Vaults.

  1. Go to Savings pots and tap New pot.
  2. Give it a Goal name (e.g. "Holiday"), a Target amount, and optionally tap Set date to give yourself a target date.
  3. Tap Create pot.

From the pots list:

Each pot shows a progress bar toward its target.

Round-up savings: once you have at least one pot, a Round-up savings card appears at the top of this screen — tap it to automatically sweep the "spare change" from your transfers (e.g. a $4.50 payment rounds up to $5.00, with the $0.50 difference swept into a pot you choose) into a savings pot of your choice.

Interest: your pots earn interest, accrued and paid daily — each day's interest appears as a small Interest earned transaction in the pot's activity, so you can watch your savings grow. The current APY is shown on the Savings pots screen.

Paycheck Autosplit: tap the Paycheck Autosplit card on the Savings pots screen to automatically split every qualifying deposit across your pots the moment it lands. Choose a minimum deposit amount (so small refunds are left alone) and give each pot a percentage — e.g. 20% to "Holiday" and 10% to "Rainy day" — and the rest stays in checking. Every paycheck then sorts itself; you can change or turn it off any time from the same screen.

Direct deposit — get paid up to 2 days early: tap the Direct deposit card on the Savings pots screen. Turn on Get paid up to 2 days early and your future paychecks are credited the moment Coreledgerpay simulates receiving them, instead of waiting for their official pay date — the same feature Chime and Cash App market as early direct deposit. Tap Simulate a direct deposit to try it: enter an employer name and amount, and it's scheduled 2 days out just like a real payroll batch — released immediately if the toggle is on, or automatically on its pay date if it's off. The History list below shows every deposit, upcoming or already arrived.

12. Safety Net — fee-free overdraft

The Safety Net lets you spend a little below zero on your checking account with no fees — so a small purchase doesn't get declined the day before payday.

There's nothing to sign up for — it grows with how you already use your account.

13. Subscriptions and Safe to spend

Subscriptions (Home → Subscriptions) automatically finds your recurring payments: when the same payment repeats a few times at a regular rhythm (weekly, monthly, or yearly) with a similar amount, it's detected from your transaction history — no setup. Your active standing orders are listed here too, along with an estimated monthly total for everything recurring.

Safe to spend appears right under your balance on the Home screen: it's your checking balance minus the standing orders and detected subscriptions expected before your next paycheck (inferred from your deposit pattern when possible, otherwise the next two weeks). It answers "can I afford this right now?" without you doing the math — and your Safety Net is deliberately not counted, so the number stays honest. Tap it to see exactly which upcoming payments are reserved. You can also just ask the assistant — see Ask Coreledgerpay — something like "how much can I spend before payday?".

14. Budgets

Budgets let you set a monthly spending limit for a category — like Groceries or Dining — and see at a glance how close you are to it. Every transaction is automatically categorized (Groceries, Dining, Transport, Shopping, Bills & Utilities, Entertainment, Health, Transfers, Savings, or Other), so a budget's "spent so far" figure fills in on its own — there's nothing to log manually.

  1. Go to Budgets and tap New.
  2. Choose a Category and set a Monthly limit.
  3. Optionally turn on Roll over unused budget if you want any amount you come in under this month to carry forward and boost next month's limit.
  4. Tap Save budget.

Each budget card shows a progress bar of how much you've spent this month against the limit, turning red and showing an OVER BUDGET badge if you go past it.

To change a budget's limit: just tap the budget card — the form opens pre-filled and saving updates it in place. (Tapping New and choosing the same category works too.)

Delete asks for confirmation, then removes a budget entirely. Budgets reset automatically at the start of each month — only the current month's spending counts toward the limit shown.

Rollover/carry-over: with Roll over unused budget turned on, any unused amount from last month is added to this month's limit — the card shows "Includes X rolled over from last month" and the progress bar is measured against the boosted total. Only one month rolls forward at a time (it doesn't keep compounding across several underspent months in a row), and going over budget one month never reduces the limit you get the next month — it just means no bonus was carried in.

To look back at a past month: use the ‹ › arrows above your budget list to step back to any earlier month and see whether you were over or under budget then. A past month is shown read-only (no edit, delete, or New button) — those always apply to the current, live month. Tap › again (or step forward until you're back on the current month) to return to editing.

15. Cards

Go to Cards and tap Issue card to get a new card linked to one of your active checking accounts (open an account first if you haven't already — you'll be prompted to). Choose the kind of card first, then choose which active checking account it should spend from. If you only have one active checking account, Coreledgerpay picks it automatically.

From your card list you can:

Gambling block: at the top of the Cards screen you can turn on a block on all gambling-category payments, across every card on your account at once. Turning it on takes effect instantly. Turning it off deliberately does not: gambling payments stay blocked for a 48-hour cooling-off period after you confirm, and you can change your mind and switch the block back on at any point during that time. This is a self-exclusion tool — the delay exists so a moment of temptation can't simply toggle the protection away.

16. Perks — cashback offers

Perks are cashback offers you switch on, then earn from automatically — like Cash App's Boost.

  1. Go to Cards and tap Perks.
  2. Activate any offer you like (e.g. 5% back on dining). Activation is free and instant.
  3. Pay with any Coreledgerpay card — when a purchase matches an activated Perk (by merchant category, or merchant name for name-based offers), the cashback is credited straight back to the card's linked account, automatically. The purchase's activity entry shows how much you earned.

If a purchase matches more than one of your activated Perks, the highest cashback rate wins — you're never given the worse deal. Offers are curated by the Coreledgerpay team and can change over time.

17. Credit builder

Credit builder is a simulated secured credit-building program, modeled on Chime's Credit Builder: no interest, no fees, no hard credit pull — your own money is the limit.

  1. Go to Credit builder on the Home screen and tap Start building credit — this opens a dedicated Credit Builder account and issues a card against it.
  2. Move money into the Credit Builder account (a normal transfer) — that's your secured deposit, and your spending limit.
  3. Spend with the Credit Builder card anywhere you'd use a card.
  4. Every month with at least one purchase is reported automatically — your (simulated) credit score starts at 600 and grows with each reported month, up to 850. There's nothing to repay and no way to be late, because you only ever spend your own deposit.
  5. Don't want it anymore? Move your balance back out (a normal transfer), then tap Close Credit Builder on the same screen — this freezes the card and closes the account for good. You can only close it once its balance is back to zero, so your secured deposit is never stranded.

Note: Coreledgerpay is a demonstration environment — the score is simulated and is not reported to any real credit bureau.

18. Personal loans

Get an instant decision on a personal loan — no paperwork to upload, no waiting days for a callback.

  1. Go to Loans on the Home screen and tap Apply for a loan.
  2. Choose the account your funds should land in, an amount, an optional purpose (e.g. "Debt consolidation"), and a term (12, 24, 36, 48, or 60 months).
  3. Tap Get my decision. Most applications are decided instantly using your existing account history (how long you've banked with us, your recent income pattern, your balance) — no credit bureau pull, no document upload. You'll see one of three outcomes:
  1. If approved, tap Review & sign. Read the loan agreement (your exact rate, finance charge, total of payments, and payment schedule), type your full legal name, and confirm — that's your legally binding electronic signature (no pen-and-paper needed). Your funds land in your account immediately after you sign.
  2. Your fixed monthly payment is drafted from that same account automatically going forward — see Loans for your balance, next payment, and full payment-by-payment schedule (how much of each payment is principal vs. interest) at any time.

Note: This uses Coreledgerpay's own transparent, rules-based reference decisioning — not a real credit bureau or a third-party AI model — and, unless your institution has licensed a live deployment, doesn't extend real credit. See docs/loan-origination-compliance-overview.md for the full technical/compliance detail behind this feature, including exactly what a licensed deployment would need to add.

19. Family — teen accounts

Give your teen their own supervised Coreledgerpay login, with you in control:

  1. Go to Family on the Home screen and tap Add a teen.
  2. Enter the teen's email and a temporary password, and share them with your teen — they log in to the normal app with those credentials (and can change the password later).
  3. The teen automatically gets their own checking account, ready to receive money (e.g. send them allowance with Send to a person).

What makes a teen account different:

A parent can supervise up to 5 teen accounts; teen accounts can't create teen accounts of their own.

20. Linked bank accounts

Linking an outside bank account lets you move money between it and Coreledgerpay, verified the same way real banks do it: two small "micro-deposit" amounts sent to that account, which you confirm back here.

  1. Go to Linked bank accounts — reachable from the home screen, or from the Transfer tab under To or from a linked bank — and tap Link a bank.
  2. Enter the bank name, an optional nickname, the 9-digit routing number, and the account number.
  3. The first time you ever link a bank account, you'll also be asked for the last 4 digits of your SSN and your street address, city, state, and ZIP — required once to set up real bank-linking, never asked again on any account you link after that.
  4. Coreledgerpay sends two small confirmation-deposit amounts to the real account. Check your bank statement in a day or two, then enter both amounts on the Verify your bank account screen to finish linking.

Once verified, tap a linked account for:

A linked account still pending verification shows a PENDING badge and offers Finish verifying until you complete that step. Wrong guesses still count toward the attempt limit.

Each linked account shows the date it was linked (e.g. "Linked Aug 15, 2026") alongside its bank name and last 4 digits, so you can tell your accounts apart at a glance.

21. Ask Coreledgerpay — your AI assistant

Tap Ask Coreledgerpay to chat with Coreledgerpay's built-in financial assistant. You can:

There's a fair-use limit on how many messages you can send per hour to keep things running smoothly for everyone.

22. Spending

Go to Spending to see a graphical breakdown of where your money went this month — a pie chart by category (Groceries, Dining, Transport, Shopping, Bills & Utilities, Entertainment, Health, and more), plus a bar chart of your total spending over the last 6 months. Every transaction is categorized automatically as it happens, so there's nothing to set up first. Use the ‹ › arrows above the chart to step back and see a past month's breakdown too.

This is different from Budgets (a list of monthly limits you set per category, with a progress bar) and Insights (AI-generated text observations) below — Spending is the graphical, category-by-category view of everything you actually spent, whether or not you've set a budget for it.

23. Spending insights

Go to Insights and tap Get insights to have Coreledgerpay analyze your recent activity and generate a plain-English summary — e.g. spending patterns, unusual activity, or a nudge toward a savings goal. Insights aren't generated automatically — tap the button whenever you want a fresh one, and past insights stay in the list below so you can look back at them. Swipe an insight to the left to dismiss it once you don't need it anymore.

24. Notifications

The Notifications (Alerts) screen shows a feed of account activity and alerts — money in/out, standing order runs, card actions, identity verification updates, and similar events, so you have a running history even if you weren't looking at the app when something happened.

Two toggles at the top of this screen control how you're notified:

Swipe an alert to the left to dismiss it once you don't need it anymore. Tapping an alert about a transaction (a transfer, deposit, withdrawal, P2P payment, an approved check deposit, or a Paycheck Autosplit sweep) — shown with a chevron on the right — jumps straight to that transaction; tapping a failed scheduled payment alert opens your Standing orders list.

25. Security: biometric login and passwords

Biometric login

In Settings → Security, turn on Biometric login to unlock Coreledgerpay with Face ID or your fingerprint instead of typing your password every time you reopen the app. This option only appears if your device supports it.

If biometric unlock fails or you cancel the prompt, tap Use password instead and enter your Coreledgerpay password to continue.

Auto-lock when you switch away from the app

For your security, Coreledgerpay automatically locks itself the moment you switch to another app, answer a call, or your phone locks — just like leaving a bank branch. The next time you open Coreledgerpay, you'll see a Welcome back screen with your name and email and a prompt to continue as yourself (Face ID/fingerprint if you've turned on biometric login, otherwise your password) rather than going straight back into your accounts. This is separate from — and stricter than — tapping Log out, which shows the same Welcome back screen but doesn't require you to have switched away from the app first.

If you don't recognize the "Welcome back" screen, or it isn't you, tap Not you? to sign out of this device completely and return to the ordinary login screen.

If your session expires, Coreledgerpay returns you to sign-in with "Your session expired, please sign in again." This is normal after a token expires or is revoked for security — sign in again to continue.

Forgot your password?

  1. On the login screen, tap Forgot password.
  2. Enter your email. A short reset code (8 characters, like ABCD-EFGH) is emailed to you.
  3. Type the code from that email (capitals or not, with or without the dash) on the Reset password screen along with your new password.

Didn't get the email? Check your spam folder first. If it's still missing, contact support with your registered email — they can retrieve the reset code for you through a verified support channel (see the staff operations guide) — never give your password itself to anyone, including support.

Heads up: resetting your password signs you out of every device you were logged into — you'll need to log back in everywhere after a reset.

Two-factor authentication

For an extra layer of security beyond your password, turn on Two-factor authentication in Settings → Security. Once it's on, logging in needs your password and a 6-digit code from an authenticator app (like Google Authenticator, Authy, or 1Password) — even if someone else learns your password, they can't get into your account without your phone too. This applies to every login, on any device, not just ones Coreledgerpay hasn't seen before.

Turning it on:

  1. Tap Enable two-factor authentication. A setup key (and a matching setup link) appears.
  2. In your authenticator app, add a new account using that key (or its "paste a setup link" option).
  3. Enter the 6-digit code your authenticator app now shows, and tap Confirm.
  4. You'll be shown 10 recovery codes — save them somewhere safe. Each one lets you log in once if you ever lose your phone or can't reach your authenticator app; they're never shown again after this.

Logging in once it's on: enter your password as usual, then a 6-digit code from your authenticator app when asked. Lost your phone? Tap Use a recovery code instead and enter one of your saved codes — using your very last recovery code also turns two-factor authentication back off automatically, so you're never permanently locked out with no way back in.

Lost your phone and every recovery code? Contact support with your registered email — after verifying your identity through a verified support channel, they can disable two-factor authentication on your account so you can log back in with just your password (see the staff operations guide).

Turning it off: in Settings → Security → Two-factor authentication, tap Disable two-factor authentication and enter a current code to confirm — the same reasoning as needing your current password to set a new one.

Your data

In Settings → Security, tap Download my data to get a JSON file of all your own accounts and transactions — a self-service alternative to emailing support for a copy of your data. The file downloads (or opens your device's share sheet, depending on platform) right away; there's nothing to wait on or approve.

26. Instant payments (FedNow/RTP)

Instant payments settle in seconds, 24/7/365, with no staff review — modeled on FedNow Service/RTP, the two live instant-payment rails US banks connect to today (this environment uses a simulated connection, not a real one — see the note at the end of this section). Open the Transfer tab and choose Instant payment (FedNow/RTP).

Send instantly:

  1. On the Payments tab, choose Send instantly.
  2. Choose the account to send From, and a verified linked bank to send To.
  3. Enter an Amount and an optional memo, then review and confirm.
  4. The payment settles immediately — there's no Coreledgerpay fee, and unlike a linked-bank transfer or a wire, it cannot be reversed once sent.

Simulate an incoming instant payment: since there's no real network connection in this environment, tap Simulate incoming to see what receiving one looks like — choose an account and an amount, and it's credited right away.

Request money (Request for Payment): a real FedNow/RTP message type — a request travels instantly, but no money moves unless the other person accepts it.

  1. On the Requests tab, choose Request money.
  2. Choose the account to receive the payment Into, enter the email of the person you're requesting from, an Amount, and an optional note.
  3. They'll see the request appear on their own Requests tab, with Pay instantly and Decline buttons. Accepting debits their chosen account and credits yours immediately; declining moves nothing.

Note: No real instant payment ever leaves or enters Coreledgerpay in this environment, and a Request for Payment can only be sent to another Coreledgerpay customer today. Receiving a real instant payment would additionally require Coreledgerpay's client bank to be a receiving participant on the FedNow Service or RTP network — see docs/instant-payments-overview.md for why that's a fundamentally bigger undertaking than sending.

27. Developer API (business accounts)

If you're the owner (or an authorized user) of a business account, your own dev team can integrate with Coreledgerpay programmatically instead of waiting on Coreledgerpay engineering. Open Profile → Developer API (only shown when you have a business account).

Create an API key:

  1. On the API keys tab, tap the New key button and give it a name (e.g. "Inventory sync service").
  2. The full key is shown exactly once — copy it now. For your security, it can never be viewed again after you close this screen; if you lose it, revoke it and create a new one.
  3. Revoke a key any time from the same list — it stops working immediately.

Register a webhook:

  1. Switch to the Webhooks tab and tap New webhook.
  2. Enter your endpoint's https:// URL and choose which events to receive.
  3. The signing secret is shown exactly once, the same as an API key — copy it now and use it to verify the X-Coreledgerpay-Signature header on every delivery, so you know a callback genuinely came from Coreledgerpay.
  4. Tap a webhook in the list to see its recent delivery attempts — whether each one succeeded, and why one failed, if it did.

Note: API keys and webhooks are only available for a business_checking account — see docs/partner-api-overview.md for what's built today (API keys, signed webhook delivery, a starting event set) versus what a production developer-platform product would still add (a full partner-facing data API, delivery retries).

28. Troubleshooting / FAQ

Q: I tried to open an account / issue a card / send a transfer and got blocked with a message about identity verification. A: You need to complete identity verification first (or wait for a pending review to finish). This applies to opening accounts, issuing cards, and to transfers above a certain amount.

Q: My verification has been "pending" for a while. A: Most verifications are decided automatically within seconds, but some are held for a closer look by our compliance team, which can take up to a business day. If it's been longer, contact support.

Q: I submitted a check deposit — why hasn't my balance updated? A: Check deposits are reviewed by a person before the account is credited (see Adding money to an account), so it can take a little time, similar to identity verification review. If it's rejected, you'll see the reason and can resubmit with a clearer photo or a corrected amount.

Q: I got a "too many requests, please try again shortly" message while submitting identity verification, uploading an ID photo, or issuing a card. A: These actions are rate-limited per person to protect the platform (a few submissions per minute is normal usage — repeatedly resubmitting within seconds of a rejection, or issuing many cards back-to-back, will briefly hit the limit). Wait about a minute and try again; nothing you already submitted is lost.

Q: I didn't get my password reset email. A: Check your spam folder first — if it's still missing, contact support directly and they can help you reset it through a verified channel. See Forgot your password?.

Q: I tried to create an account and got a generic "couldn't create your account" message. A: For privacy, registration no longer says whether an email is already registered. Check that your email and password are typed correctly. If you previously started signup but never completed identity verification, contact support — staff can fully delete that never-verified signup, and the email becomes reusable immediately.

Q: Support mentioned "user already exists" for my signup. What changed? A: You may hear that phrase from older notes or internal troubleshooting, but the app now shows a generic registration error instead. If the old signup never completed identity verification, staff can delete it completely; if the account was verified, they can't delete it this way.

Q: I was returned to sign-in with "Your session expired, please sign in again." A: This is normal when your secure session expires or is revoked. Sign in again with your email and password to continue.

Q: Can I dispute a card transaction or report fraud? A: On an account's transaction list, tap the Transaction actions menu on the row and choose Report a problem. Coreledgerpay doesn't yet have real card-network transactions or a formal network chargeback process — today's cards are virtual and simulated — but the report is sent to the team for review. If something looks wrong, freezing the card immediately stops further use.

Q: Is my money real / is this a real regulated bank? A: Coreledgerpay is a banking app built for demonstration and development purposes. It does not hold real regulated banking licenses, and while identity verification runs through a real verification partner (Persona), it is not a certified regulatory compliance process.

This page is generated from the same source that powers in-app help, so it always matches the current release.