1️⃣API结算流程一：
API外挂流程与标准
Third Party's Server Transaction Settlement
Process and Standards
2022年2月7日
一、流程 Process :
1、汇款方提供打款CIS给予接款方;
Sender provide the Sending CIS to Receiver,
2、接款方提供接款CIS给予打款方;
Receiver Provide the Rceiving CIS to Sender;
3、汇款方提供回款CIS(人民币/美元/港币~免欧元);
Sender Provide the payback CIS to Receiver (RMB/USD/HKD is ok, no Euro)
4、接款方提供分流表，汇款方签字盖章填入账号信息返回，接款方签字盖章报备后返回分流表给予汇款方(汇款前一天需报备完毕);
Receiver will provide the Distribution Sheet to the Sender and the Sender should sign it and seal on it and send it back to the Receiver. After the
Receiver sign and seal on the sheet and register it in the Center Bank, then send it to the Sender. ( One day before the transaction, the register in the Center Bank should be done )
5、双方约定汇款时间，确定准确汇款时间(需在6个小时前通知，3个小时前通知，2个小时前通知，1个小时前通知)，接款方关闭防火墙(如没有提前通知，汇款后接款方不承担责任);
Both Parties agree the time to make the transaction and to confirm the exact time to make it(6 hours before should inform the receiver, 3 hours before do the inform once again, 2 hours before do the inform once again, 1 hours before, do the inform once again). The receiver will shutdown the firewall
accordingly. ( If there is no inform from the Sender before the transaction, the Receiver will take no any responsibility for the settlement after the transaction).
6、汇款后，汇款方提供时分秒，在2个小时内提供黑屏，核实无误，进行入帐; After the transaction, the Sender will privde the exactly time including the hour,minute and second , within 2 hours after the transaction, the Sender should provide the balck screen. After the receiver check it without problem, then plug the funds into the account.
7、、入帐后，约T+1时间，在收到黑屏开始计算24小时内按分流表比例支付结算。
Afer Plug the funds into the account, about 24 hours later, the Receiver will start to distribute and pay according to the Distribution Sheet.
二、标准Standard:
1、汇款方式由汇款方确定，提供简易文字说明:汇款方式、资金属性、到账位置(直接入帐/到银行公共账号)给予接款方。
The Sender will choice the transaction type and provide a simple introduction for that: Including the way of transaction, the nature of the funds, the location of the funds can be sent to. ( Directly to the receiving account or to the common account ).
2、在汇款前依据双方约定的点位填写分流表，结算比例依据汇款方式、资金属 性、到账位置，核实入帐可移动后是否按汇款方汇款前描述的是否一致决定最终回款比例。
Before the transaction, both Parties will agree the ratio of the Payback Distribution Sheet, the Ratio will be finalized based on the way of
transaction, the nature of the funds, the location can be sent to and the real situation after pluging the funds into the receiving account.
3、资金性质:M0，自带银根;
Natuer of the funds: M0, with the Money Root.
4、初定回款点位为:30%+2.5%(到银行公共账户，依据PRN码拉入帐)/35%+2.5%(直接入帐)
Initial Payback Ratio:30%+2.5%(To the Bank's common account ).35%+2.5% ( Directly to the receiving account ).
5、虚拟账号，每笔汇款需要不同账号CIS、银行(IP)、地区，打款后提供完黑 屏立刻关闭账号与服务器。(在不成功的情况下，汇款CIS，银行IP、地区不能当天重来，需要更换)
The transaction will use a virtual account to send, each transaction will use diffferent account number and CIS, different bank IP, different location. After providing the transaction's black screen, the sending account and the server should be shutdown immediately. ( While the transacion is not succeed, the Sender'sCIS, Bank IP and the bank location can be used for the second time, must be changed).
6、设置尾数为:11The last two number is 11
7、打款金额起步最少5亿(欧元)，不设置上限。The Minimum amount is no less than 500 Million Euro for each transaction, no upper limition.
注:汇款方须严格按照接款方标准与流程执行汇款。如不按照标准与流程，接款方不承担一切责任。
Note: The Sender must follow the Proess and Standard above, otherwise, the Receiver will not take any responsibility for the settlement.。
L2L, GPI, MT103 TT SEPA IPIP KTT S2S，API接打款等
后台或者后台翻前台业务打款后需要提供资料:
黑屏，报文，打款凭证，扣款凭证，（银行文件，银行官签字盖章）
合同(欧央行报备号)，出款cis，分流表，银行官名片，董事会决议，免责声明。
以上文件法人手签盖章。
以上为常规要求，若另需补充文件另行结算提供资的所需要资料：
1、黑屏（银行文件银行官签字盖章）
2、白屏（银行文件银行官签字盖章）
3、汇款凭证（银行文件银行官签字盖章）
4、扣款凭证（银行文件银行官签字盖章）
5、借记凭证（银行文件银行官签字盖章）
6、合同（欧央行报备回执单）
以上1-6先提供，我们审核通过，
再提供以下7-13
7、出款CIS（手签盖章）
8、银行官名片（手签盖章落日期）
9、董事会决议（手签盖章）、
10、免责申明（手签盖章）
11、授权书（手签盖章，结算方指定的账户）授权书欧央行报备回执单
12、IMFPA（手签盖章）
13、主回款账户cis(手签盖章，结算方指定账户）主回款帐户欧央行报备回执单。
结算流程:
提供以上资料后，过机、下载、拆包、解析、入账、缴税，确定比例、欧央行放行，回款。
2️⃣API结算流程二：
提供CIS、银行官名片、资金证明信息确认，第一笔1000万，不结算，确认资金没有问题，签订合约，第二笔一百到五百亿，和之前的一千万一起结算，第三笔剩余一次打出（大于一百亿），一并结算，关于资金方银行向FT资产公司转款。
1.客户向APEX的银行官提交一份汇款申请，填写汇款人和收款人信息，包括金额等。
2.资金方的银行官会向FT 运营官发一封邮件，包括资金证明。
3.APEX的银行官收到邮件回复后，直接在API通道汇款到 FT公司我的账户。
第二方案，在接款银行已经同意后，资金方银行的APP上，选择直接汇款，选择银行窗口中，选中FT ASSET MANAGEMENT KB 账户输入我的账户名和账号。选择金额1000万。点击确认。后面的工作APEX的银行官会处理，我收到后给出网银截屏，再正式汇入100亿元以上。
