Certification Guide

The bank is the certifying authority and oversees all aspects of technical, operational, and compliance validation.

Certification confirms that your implementation meets the standards required by the bank to operate within a compliant and secure program.

Braid provides the core software, but the bank owns and operates the environment and makes all certification decisions.

1. Pre-Certification Requirements

API & Product Structure Review
Developers must understand the bank's Braid instance configuration, including API endpoints and whether the integration involves nested customer hierarchies or direct customer structures.

Security & Compliance Agreement
Developers must sign and comply with the bank’s security, data privacy, and operational policies prior to testing.

2. Sandbox Testing & Evaluation

All certification work must be completed in the Braid sandbox environment. The following capabilities must be demonstrated based on the scope of your integration:

Capability	Requirement Description
Customer Creation	Create businesses or individuals under the correct structure.
Identity Verification	Trigger and manage the bank's identity verification process.
Account Creation	Open accounts linked to approved customer records.
Counterparty Management	Add counterparties for payments or settlements.
ACH Transactions	Create ACH push (credit) and pull (debit) transactions.
Wire Transfers	Submit both domestic and international wire transfers.
Internal Transfers	Initiate ledger-based transfers between accounts.
Transaction Cancellation	Cancel or reverse transactions when appropriate.
Inbound Transactions	Properly receive and process inbound payments.
Transaction Status Updates	Receive and handle reviews, returns, and NOCs.
Funding/Sweep Account Usage	Utilize funding or sweep accounts if applicable.
Fee Management	Handle and reconcile any fees charged by the bank.
RFI Workflow	Respond to RFIs from the bank’s compliance team.

All issues discovered during testing must be resolved before the certification review session.

3. Certification Review

Log Review
The bank will review detailed logs and test artifacts to confirm proper functionality and compliance.
Live Certification Session
A real-time review will be conducted by the bank, with support from Braid if needed. Participants include:
- Bank Certification Team (final authority)
- Fintech Engineering Lead (demonstrates system and answers questions)

4. Final Approval & Production Access

Certification Decision
The bank is the sole authority in determining whether certification is achieved.
Production Credentials
Granted upon successful certification and bank approval.
Ongoing Oversight
The bank may conduct ongoing monitoring and enforce periodic recertification based on program risk and operational performance.