When “pending” is not pending
Wallet UIs often show pending while the ledger has already settled — or the reverse. How we catch that mismatch in an audit.
Notes
Field notes from wallet audits
Practical observations from payment flow work — status integrity, idempotency, settlement breaks, and partner questions.
Idempotency keys under wallet retries
Double taps and network flaps are normal on mobile. Your authorization path needs a key strategy that survives them.
Reading settlement breaks in HKD corridors
Fee lines, FX residuals, and partial refunds create break classes that look like theft until you name them.
Partner questions we hear first
Banks and marketplace sponsors ask the same five diligence questions. Prepare evidence before the call.