Every entry
balanced.

Balances are derived from an append-only ledger, so no entry can be quietly edited or removed. Every posting must balance, and each currency balances within itself. Approvals write an audit row inside the same transaction as the change, which means the record of a decision cannot exist without the decision, or the other way round.

Deposits are confirmed by a person rather than credited automatically, usually within a few hours. You will see the claim immediately with its reference, and you are notified the moment it posts. Nothing is credited on the strength of a form alone.

Yes. Each currency is a separate account with its own number, balance and statement, and money never moves between them on its own. Converting is an explicit action at a rate quoted and held while you decide.

It can receive. That is deliberate — money already on its way to you needs somewhere to land rather than being left in limbo. Sending, converting, savings and cards open once the account is authorised.

Flat platform fees are set in one base currency and converted at the live rate for whichever account they are charged against, so the same card costs the same in real terms whether you hold dollars or naira.