Business Pro Phase 293

Wallet Operations Officer Role Boundary QA Gate

A wallet operations officer may later review partner-powered balance labels, top-up intents, withdrawal intents, wallet statement evidence, holds, releases, and reward/refund credit evidence, but this route must not become stored value custody, independent wallet licensing, money movement, ledger truth, or settlement authority.

Wallet

partner-powered

Stored value

not claimed

Balance

label-only

Phase rule

Wallet operations labels partner evidence, not FAEDA custody

Phase 293 designs the Wallet Operations Officer role boundary QA gate only. It records whether a future wallet-ops route clearly separates partner-powered wallet evidence, customer wallet summary visibility, shop/rider/supplier balance label visibility, top-up intent evidence, withdrawal intent evidence, refund-credit evidence, reward-credit evidence, adjustment evidence, hold/release evidence, wallet statement evidence, licensed partner dependency, payment-ops dependency, bank-ops dependency, treasury dependency, ledger dependency, reconciliation dependency, compliance dependency, and maker-checker dependency. It does not create a wallet operations account, approve a wallet operator, create stored value, issue wallet balance, claim FAEDA wallet custody, claim SBP wallet approval, top up wallet, withdraw wallet, transfer wallet, freeze wallet, unfreeze wallet, adjust wallet, approve payout, approve refund, post ledger, close reconciliation, release settlement, bypass licensed partner/payment-ops/finance/maker-checker controls, expose raw private data, or claim Wallet Operations runtime readiness. No real contact, CRM task, account creation, onboarding approval, listing activation, order, payment, wallet, commission, ledger, export, or partner sync is created in this phase.

Review outcome

Wallet operations route appears

Record wallet-ops wording, partner dependency, custody boundaries, and blocked actions.

No wallet dashboard entry.

Review outcome

Wallet balance appears

Verify balance, pending, held, available, reward, refund, payout, and adjustment labels remain partner/evidence labels.

No stored value truth.

Review outcome

Top-up or withdrawal appears

Confirm top-up, withdrawal, transfer, payout, refund, and reward-credit wording remains intent/evidence-only.

No money movement.

Review outcome

Freeze or hold appears

Route freeze, unfreeze, hold, release, dispute, and adjustment wording to compliance/security/partner review.

No account control.

Review outcome

Ledger or settlement appears

Route wallet evidence to ledger, reconciliation, treasury, and settlement gates before any accounting or release action.

No posting or release.

Review outcome

Private wallet data appears

Route CNIC, phone, account, device, wallet ID, provider reference, balance evidence, statement, token, or callback data to masking/security review.

No raw data entitlement.

Wallet proof

What Wallet Operations boundary QA must capture

Evidence chain

The wallet operations packet must reference Phase 292 Bank Operations boundary, Phase 291 Cash Custody boundary, Phase 290 Treasury Officer boundary, Phase 289 Ledger Controller boundary, Phase 288 Reconciliation Officer boundary, Phase 287 Settlement Officer boundary, Phase 286 Payment Operations boundary, Phase 285 Finance Officer boundary, Phase 284 Legal Counsel boundary, Phase 283 Compliance Officer boundary, Phase 282 Auditor boundary, Phase 281 Regulator boundary, Phase 280 Partner boundary, Phase 279 Investor boundary, Phase 278 Founder boundary, Phase 277 Admin boundary, Phase 276 Zone Manager boundary, Phase 275 FAEDA Team boundary, Phase 274 rider boundary, Phase 273 farmer boundary, Phase 272 home chef boundary, Phase 271 street vendor boundary, Phase 270 retailer boundary, Phase 269 wholesaler boundary, Phase 268 manufacturer boundary, Phase 267 supplier boundary, Phase 266 shopkeeper boundary, Phase 265 customer boundary, and Phase 264 role-routing evidence.

Wallet categories

The route must distinguish customer wallet label, shop wallet label, rider earning label, supplier payable label, reward credit label, refund credit label, top-up intent, withdrawal intent, transfer intent, hold, release, freeze, unfreeze, adjustment, wallet statement evidence, partner callback evidence, and exception packet.

Custody boundary

Wallet balance, available balance, pending balance, held balance, reward balance, refund credit, payout balance, and adjustment balance must be partner-powered/evidence labels, not FAEDA stored value or independent wallet custody.

License boundary

Wallet wording must not claim direct SBP approval, EMI license, stored value authority, bank custody, cash custody, or regulated wallet operation by FAEDA unless later licensed partner/runtime approval exists.

Movement boundary

Top-up, withdrawal, transfer, payout, refund, reward credit, adjustment, hold release, and balance correction cannot become executable without licensed partner, payment-ops, finance, compliance, and maker-checker controls.

Account-control boundary

Freeze, unfreeze, block, unblock, limit change, KYC status, KYB status, risk hold, and account restriction wording must stay review-only and dependency-gated.

Partner boundary

Upaisa/SBP partner, bank partner, gateway partner, and cash collection partner evidence remain partner-powered evidence only; FAEDA must not become the wallet ledger of regulated value in this route.

Data boundary

Wallet views must mask or minimize CNIC, full phone, wallet ID, account numbers, device IDs, provider payloads, callback signatures, tokens, balance evidence, and raw statements by default.

Wallet controls

How wallet operations access stays non-custodial

1Wallet Operations Officer role QA must not click wallet dashboard, approve wallet operator, create stored value, issue wallet balance, claim FAEDA wallet custody, claim SBP wallet approval, top up wallet, withdraw wallet, transfer wallet, freeze wallet, unfreeze wallet, adjust wallet, approve payout, approve refund, post ledger, close reconciliation, release settlement, access provider credentials, export raw data, or activate Business Pro controls.
2Wallet route must not treat provider callback, partner wallet statement, bank record, cash deposit, shop statement, rider earning note, reward note, refund note, ledger entry, reconciliation finding, finance comment, WhatsApp approval, founder instruction, legal wording, or Excel sheet as wallet truth by itself.
3Wallet labels, balance labels, top-up intents, withdrawal intents, transfer intents, reward credits, refund credits, hold labels, freeze labels, adjustment candidates, statement rows, and exception packets must stay mock, review-only, masked, and dependency-gated until later runtime approval exists.
4Wallet views must not expose CNIC, OTP, full phone, exact address, family data, bank account data, wallet ID, provider account ID, device ID, KYC/KYB documents, provider credentials, callback signatures, tokens, secrets, private notes, hidden scores, or raw wallet payloads by default.
5Wallet operations surfaces must not imply FAEDA wallet licensing, SBP direct approval, EMI approval, bank custody, cash custody, stored value custody, available balance, payout success, refund success, transfer success, settlement success, reconciliation closure, ledger finality, legal clearance, audit sign-off, or launch readiness.
6Safe wallet operations routing does not prove wallet onboarding, wallet runtime, partner wallet integration, top-up runtime, withdrawal runtime, transfer runtime, hold runtime, freeze runtime, balance runtime, ledger runtime, report runtime, export runtime, or public upload readiness.

Decision matrix

Wallet operations state to next safe movement

Wallet operations copy is safe

Move to Licensed Partner Operations role boundary QA

No wallet action

Wallet operations auto-approved

Wallet assignment and scope review

No dashboard

Balance marked available

Partner/licensing wording review

No balance truth

Top-up or withdrawal appears active

Payment-ops/partner review

No money movement

Freeze/unfreeze appears active

Compliance/security review

No account control

Adjustment appears active

Finance/ledger/reconciliation review

No adjustment

SBP or license claim appears

Legal/compliance review

No approval claim

Raw wallet data appears visible

Security/privacy review

No disclosure

Wallet operations packet

Future wallet operations boundary evidence fields

walletOperationsOfficerBoundaryEvidenceIdbankOperationsOfficerBoundaryEvidenceIdcashCustodyOfficerBoundaryEvidenceIdtreasuryOfficerBoundaryEvidenceIdledgerControllerBoundaryEvidenceIdreconciliationOfficerBoundaryEvidenceIdsettlementOfficerBoundaryEvidenceIdpaymentOperationsBoundaryEvidenceIdfinanceOfficerBoundaryEvidenceIdlegalCounselBoundaryEvidenceIdcomplianceOfficerBoundaryEvidenceIdauditorBoundaryEvidenceIdregulatorBoundaryEvidenceIdpartnerBoundaryEvidenceIdinvestorBoundaryEvidenceIdfounderBoundaryEvidenceIdadminBoundaryEvidenceIdzoneManagerBoundaryEvidenceIdfaedaTeamBoundaryEvidenceIdriderBoundaryEvidenceIdsupplierBoundaryEvidenceIdshopkeeperBoundaryEvidenceIdcustomerBoundaryEvidenceIdroleRoutingEvidenceIdpartnerWalletEvidenceIdwalletStatementEvidenceIdbalanceLabelEvidenceIdtopUpIntentEvidenceIdwithdrawalIntentEvidenceIdtransferIntentEvidenceIdrefundCreditEvidenceIdrewardCreditEvidenceIdholdEvidenceIdfreezeEvidenceIdadjustmentEvidenceIdproviderCallbackEvidenceIdproviderReferenceEvidenceIdlicensedPartnerDependencyEvidenceIdpackageIdcandidateVersionbuildNumberdeviceMatrixIddeviceClassosVersionnetworkTypewalletOpsEntryStatewalletOpsCategorywalletBalanceClaimStateavailableBalanceClaimStatependingBalanceClaimStateheldBalanceClaimStaterewardBalanceClaimStaterefundCreditClaimStatepayoutBalanceClaimStatestoredValueClaimStatefaedaWalletCustodyClaimStatesbpApprovalClaimStateemiLicenseClaimStatetopUpExecutionClaimStatewithdrawalExecutionClaimStatetransferExecutionClaimStaterewardCreditExecutionClaimStaterefundCreditExecutionClaimStateadjustmentExecutionClaimStatefreezeExecutionClaimStateunfreezeExecutionClaimStateholdReleaseClaimStatekycStatusClaimStatekybStatusClaimStateriskHoldClaimStateproviderCredentialVisibilityStatecallbackSignatureVisibilityStatetokenVisibilityStatewalletIdVisibilityStatedeviceIdVisibilityStatelicensedPartnerDependencyStatepaymentOpsDependencyStatefinanceDependencyStatecomplianceDependencyStateledgerDependencyStatereconciliationDependencyStatelegalDependencyStatesecurityDependencyStatereportDraftClaimStatereportExportClaimStateprivateDataVisibilityStateredactionStatemaskingStatedataMinimizationStateevidenceDeletionClaimStateescalationPathStaterevocationPathStatebusinessRouteLeakageStateadminRouteLeakageStatedemoDataLabelStateunsafeClaimStatescreenshotEvidenceIdcheckerDecision

Blocked automation

What this phase must not create

1Auto click wallet dashboard, approve wallet operator, create stored value, issue wallet balance, claim FAEDA wallet custody, claim SBP wallet approval, top up wallet, withdraw wallet, transfer wallet, freeze wallet, unfreeze wallet, adjust wallet, approve payout, approve refund, post ledger, close reconciliation, release settlement, access provider credentials, export raw data, or Business Pro operations controls
2Auto create wallet operations account, wallet assignment, wallet onboarding, wallet runtime, partner wallet integration, wallet balance, stored value record, FAEDA wallet custody record, SBP approval claim, EMI license claim, top-up execution, withdrawal execution, transfer execution, reward credit execution, refund credit execution, adjustment execution, freeze execution, unfreeze execution, hold release, KYC/KYB status change, risk hold, provider credential access, callback finality, ledger entry, reconciliation closure, settlement release, report export, or wallet operations session
3Auto fetch, view, export, copy, mutate, submit, approve, reject, publish, contact, collect, pay, refund, settle, notify, message, call, geolocate, verify, assign, inspect, penalize, freeze, revoke, delete, rotate, override, file, certify, close, waive, sign, publish, execute, or sync any wallet-private, bank-private, cash-private, treasury-private, ledger-private, reconciliation-private, settlement-private, payment-private, finance-private, legal-private, privileged-private, compliance-private, auditor-private, regulator-private, government-private, founder-private, admin-private, partner-private, customer-private, shop-private, vendor-private, rider-private, supplier-private, manufacturer-private, order-private, evidence-private, support-private, provider-private, or helper-private record
4Auto open wallet dashboard, partner wallet console, wallet statement console, top-up desk, withdrawal desk, transfer desk, hold desk, freeze desk, KYC/KYB console, provider console, credential vault, webhook console, bank console, cash vault desk, treasury dashboard, ledger dashboard, reconciliation dashboard, settlement release desk, evidence deletion desk, report export desk, audit correction desk, regulator dashboard, compliance dashboard, legal console, security console, production config, admin dashboard, founder dashboard, partner dashboard, investor dashboard, team dashboard, zone dashboard, verification desk, lead desk, customer dashboard, shopkeeper dashboard, supplier dashboard, manufacturer dashboard, support desk, crisis desk, or operations dashboard
5Auto enable wallet operations onboarding, wallet runtime, partner wallet integration, top-up runtime, withdrawal runtime, transfer runtime, reward runtime, refund runtime, adjustment runtime, hold runtime, freeze runtime, KYC/KYB runtime, wallet balance display, stored value custody, ledger posting, reconciliation closure, settlement release, raw private data disclosure, report submission, export download, evidence deletion, secret access, feature flag change, wallet sign-off, or Business Pro subscription
6Auto claim Wallet Operations Officer role visibility means wallet works, partner wallet works, balances work, top-ups work, withdrawals work, transfers work, rewards work, refunds work, SBP approval works, EMI license works, ledger works, reconciliation works, settlement works, legal works, audit works, privacy works, security works, or launch is ready
7Auto store personal phone, personal email, CNIC, selfie, precise location, family data, private notes, wallet documents, KYC/KYB documents, bank documents, cash documents, treasury documents, reconciliation documents, settlement documents, payment documents, callback payloads, provider references, bank data, wallet data, provider credentials, API keys, tokens, cookies, OTP, session IDs, device IDs, webhook secrets, callback signatures, hidden scores, audit secrets, production secrets, legal waivers, wallet details, or billing details
8Auto erase wallet-leakage, wallet-auto-approval, wallet-custody-claim, stored-value-claim, sbp-approval-claim, emi-license-claim, balance-truth-claim, topup-claim, withdrawal-claim, transfer-claim, freeze-claim, adjustment-claim, provider-credential-claim, ledger-mutation-claim, reconciliation-closure-claim, settlement-release-claim, report-export-claim, raw-data-claim, evidence-deletion-claim, wallet-signoff-claim, business-route-leakage, admin-route-leakage, fake-demo-data, or private-data evidence after a later pass

Acceptance

Done means wired and safe

1Phase 292 links forward to Phase 293.
2Phase 293 defines wallet operations officer role boundary qa gate without runtime mutation.
3Phase 293 is wired into OS launcher, founder navigation, public scope lock, route cleanup, and main chain control room.
4Mobile render has no horizontal overflow.
5No /home backlinks are introduced.
6Runtime contact, account, onboarding, listing, order, payment, wallet, commission, export, and partner sync stay blocked.
Back to Phase 292Main chain roomOpen Phase 294