Hong Kong wallet operators often reconcile across HKD domestic rails and cross-border partners. Small fee and FX residuals accumulate into “unexplained” balances that finance cannot close.
A settlement audit starts by naming break classes: timing, fees, FX, partial captures, refunds, and chargebacks. Once named, most breaks stop looking mysterious.
Sample at least two full settlement cycles with known volume days. Single-day samples hide weekend batching and holiday calendars.
Hand ops a worksheet they can rerun weekly. An audit that ends as a slide deck will not survive the next product launch.