Money Movements Approval
checker_approval = true, Cobre sets the Money Movement status to pending_approval. At that moment, funds are locked in the originating account through a debit transaction. Once the client’s external approval workflow reaches a decision, the decision is sent back to Cobre so the Money Movement can either proceed or be canceled.How Money Movement Approvals Work
checker_approval flag during creation. Once sent for approval, the approval decision determines whether the Money Movement can be processed or must be canceled. The approval object includes three key concepts: the decision, a description, and one or more approvers for traceability. (Approve a Money Movement)Approval outcomes
| Outcome | What happens |
|---|---|
| Approved | The Money Movement can continue processing. |
| Denied | The Money Movement is set to a canceled status. |
| Pending | The Money Movement remains waiting for an approval decision. |
Approval Lifecycle
1. Create the Money Movement with approval required
checker_approval = true.pending_approval.checker_approval and mm_approval_id, which allow the client to identify whether approval is enabled and track the associated approval object. (Create a Money Movement)2. Run the client’s external approval workflow
3. Send the decision to Cobre
4. Cobre processes or cancels the Money Movement
Functional Behavior
Funds are locked while approval is pending
checker_approval = true, Cobre locks the funds in the source account with a debit transaction while the Money Movement is in pending_approval.Approval is external, execution is enforced by Cobre
Approval can only happen once
Approval Object Concepts
| Concept | Description |
|---|---|
| Money Movement | The payment instruction waiting for approval. |
| Approval ID | The approval object associated with the Money Movement. |
| Decision | The final instruction: approve or deny. |
| Description | Context explaining why the decision was made. |
| Approvers | People or systems responsible for the approval decision. |
| Status | The current decision state of the approval object. |
Actions performed on Money Movement Approvals
✅ Decision
🔍 Retrieval
Description: Send the approval decision for a Money Movement that is waiting in
What to expect after the action: If the decision is approved, the Money Movement continues processing. If the decision is denied, the Money Movement is canceled.
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pending_approval.What to expect after the action: If the decision is approved, the Money Movement continues processing. If the decision is denied, the Money Movement is canceled.
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How to Get Started
Before using this API
Before Using Money Movement Approvals
Define your approval workflow outside Cobre
Money Movement Approvals are designed for clients that want to run their own approval process outside Cobre, such as in an ERP, treasury system, back-office tool, or internal Maker–Checker workflow.Cobre will hold the Money Movement and enforce the final decision, but the client is responsible for defining who approves, when approval is required, and which business rules apply.
Ensure the source account has enough funds
When a Money Movement is created with Make sure the source account has enough available funds before creating the Money Movement.
checker_approval = true, Cobre sets the Money Movement status to pending_approval and locks the funds in the originating account through a debit transaction.Create the Money Movement with approval required
To send a Money Movement to approval, the request must include Once created, the Money Movement will not continue processing until a decision is provided.
checker_approval = true.Store the Money Movement Approval reference
After the Money Movement is created, store the approval reference associated with the movement.This reference is required to send the final approval or denial decision once the external approval workflow is completed.
Capture approver information for auditability
The approval decision should include clear information about the approver or approvers involved in the decision.This helps maintain traceability for audits, internal controls, compliance reviews, and operational investigations.
Send the final approval decision to Cobre
Once your external workflow reaches a decision, send the result to Cobre.If the decision is approved, the Money Movement continues processing. If the decision is denied, the Money Movement is canceled.
Implement Webhooks or reports to track final status
After the approval decision is submitted, the Money Movement may continue through additional processing states before reaching a final outcome.We strongly recommend implementing Webhooks or using Money Movement reports to track whether the payment is completed, rejected, failed, or canceled. See Notifications & Subscriptions for more details.
What to Expect After Using This API
The Money Movement remains pending until a decision is provided
When a Money Movement is created with The payment will not continue processing while it is waiting for a decision.
checker_approval = true, it will remain in pending_approval until an approval or denial decision is sent to Cobre.Funds are locked while approval is pending
Cobre locks the funds in the originating account through a debit transaction when the Money Movement enters This ensures the funds are reserved for the payment while the external approval workflow is completed.
pending_approval.An approved Money Movement continues processing
If the approval decision is approved, the Money Movement continues through the standard processing lifecycle.After approval, the payment may still move through additional states before reaching a final outcome such as completed, rejected, or failed.
A denied Money Movement is canceled
If the approval decision is denied, the Money Movement is canceled and will not be processed.The client should update its internal system accordingly, using the denial as the final business decision for that payment.
The approval decision can only be submitted once
A Money Movement Approval can only receive one final decision.Once approved or denied, the approval cannot be changed or submitted again, which helps preserve a clean audit trail.
Track the final Money Movement status
After the decision is submitted, continue monitoring the Money Movement until it reaches a final state.We strongly recommend using Webhooks or Money Movement reports to track whether the payment is completed, rejected, failed, or canceled. See Notifications & Subscriptions for more details.
Reconcile approval, movement, and transaction data
For reconciliation, use the approval decision together with the Money Movement status, the originating account debit transaction, and the final payment outcome.This gives finance and operations teams a full audit trail from payment creation, to approval decision, to final execution result.
Modified at 2026-07-02 17:16:15