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Guide",{"type":262,"value":263,"toc":1028},"minimark",[264,269,289,303,369,377,387,453,481,488,494,584,605,614,621,628,634,669,677,682,754,772,778,785,794,832,839,846,907,926,932,939,953,958,965],[265,266,268],"h1",{"id":267},"_31-proof-of-funds-pof-guide","3.1. Proof of Funds (PoF) Guide",[270,271,272],"blockquote",{},[273,274,275,276,280,281,284,285,288],"p",{},"✨ ",[277,278,279],"strong",{},"UPDATED (2026-08)"," — Proof of Funds now works as a ",[277,282,283],{},"per-milestone request-and-issue flow on the project Payment screen",". The exporter requests it, the importer issues it with their own wallet, and ",[277,286,287],{},"paying the exporter directly"," follows in the same place.",[273,290,291,293,294,298,299,302],{},[277,292,78],{}," is a certificate TFlow issues after confirming that the importer ",[295,296,297],"em",{},"\"actually holds no less than the amount of this transaction.\""," Issuing it ",[277,300,301],{},"does not lock up or move any money"," — it only produces a certificate stating what was confirmed.",[270,304,305,316],{},[273,306,307,308,311,312],{},"📖 ",[277,309,310],{},"Terms to know first"," ",[313,314],"a",{"id":315},"payment-terms",[317,318,319,330,336,357,363],"ul",{},[320,321,322,325,326,329],"li",{},[277,323,324],{},"Wallet"," — Acts as the account you hold and send funds from. Unlike a bank account you own and manage it yourself, and each transfer requires a ",[277,327,328],{},"signature"," in the wallet (similar to entering an OTP for a bank transfer).",[320,331,332,335],{},[277,333,334],{},"Escrow"," — Holding funds locked aside until agreed conditions are met — the same idea as conditional payment in trade.",[320,337,338,341,342,345,346,349,350,356],{},[277,339,340],{},"Receiving permission (TrustLine)"," — A one-time setting that registers a wallet as ",[277,343,344],{},"willing to receive a particular currency",". ",[295,347,348],{},"Just as you need a dollar account to receive dollars",", a wallet needs this per currency. On screen it is the ",[277,351,352],{},[353,354,355],"span",{},"Set up T-RLUSD line"," button.",[320,358,359,362],{},[277,360,361],{},"T-RLUSD"," — The test stablecoin (a dollar-pegged token) currently used for payments and fees.",[320,364,365,368],{},[277,366,367],{},"Milestone"," — One instalment of a split payment, such as the advance, interim, or balance payment.",[370,371,373,374],"h2",{"id":372},"_1-where-to-do-it-screens-and-roles","1. Where to Do It — Screens and Roles ",[353,375],{"id":376},"help-app-pof-roles",[273,378,379,382,383,386],{},[277,380,381],{},"Entry:"," Project > ",[277,384,385],{},"Payment"," — the screen has three tabs.",[388,389,390,406],"table",{},[391,392,393],"thead",{},[394,395,396,400,403],"tr",{},[397,398,399],"th",{},"Tab",[397,401,402],{},"Who uses it",[397,404,405],{},"What it's for",[407,408,409,423,438],"tbody",{},[394,410,411,417,420],{},[412,413,414],"td",{},[277,415,416],{},"Settlement Dashboard",[412,418,419],{},"Everyone",[412,421,422],{},"Create and manage milestones (instalments)",[394,424,425,430,435],{},[412,426,427],{},[277,428,429],{},"Verification (Request)",[412,431,432],{},[277,433,434],{},"Exporter (seller)",[412,436,437],{},"Formally request proof of funds from the importer",[394,439,440,445,450],{},[412,441,442],{},[277,443,444],{},"Verification (Issue)",[412,446,447],{},[277,448,449],{},"Importer (buyer)",[412,451,452],{},"Connect a wallet and issue the certificate for a request",[317,454,455,471],{},[320,456,457,458,461,462,466,467,470],{},"Your role follows the ",[277,459,460],{},"trading party you were registered as (importer\u002Fexporter) on the project's Share screen."," An ",[463,464,465],"code",{},"Exporter"," \u002F ",[463,468,469],{},"Importer"," badge appears next to the tab.",[320,472,473,476,477,480],{},[277,474,475],{},"You can open the other role's tab to look",", but a ",[295,478,479],{},"\"This is a view-only screen\""," notice appears and the buttons that actually do something (wallet selection, sending the request) are hidden.",[370,482,484,485],{"id":483},"_2-exporter-requesting-proof-of-funds-4-steps","2. Exporter — Requesting Proof of Funds (4 Steps) ",[353,486],{"id":487},"help-app-pof-request",[273,489,490,491,493],{},"Fill in the four steps on the ",[277,492,429],{}," tab and the request is sent.",[388,495,496,509],{},[391,497,498],{},[394,499,500,503,506],{},[397,501,502],{},"Step",[397,504,505],{},"Name",[397,507,508],{},"Description",[407,510,511,528,544,571],{},[394,512,513,516,521],{},[412,514,515],{},"1",[412,517,518],{},[277,519,520],{},"Select Milestone",[412,522,523,524,527],{},"Choose which payment instalment the proof is for — only milestones ",[277,525,526],{},"still in draft"," can start a new request",[394,529,530,533,538],{},[412,531,532],{},"2",[412,534,535],{},[277,536,537],{},"Verification Type",[412,539,540,541,543],{},"Choose ",[277,542,78],{}," (FCL is coming soon — see 3.2 below)",[394,545,546,549,554],{},[412,547,548],{},"3",[412,550,551],{},[277,552,553],{},"Receiving Wallet",[412,555,556,557,560,311,567,570],{},"Select or connect ",[277,558,559],{},"the wallet",[561,562,563],"sup",{},[313,564,566],{"href":565},"#payment-terms","terms",[277,568,569],{},"you want to be paid into"," — required for a proof-of-funds request too",[394,572,573,576,581],{},[412,574,575],{},"4",[412,577,578],{},[277,579,580],{},"Instructions (Optional)",[412,582,583],{},"Any note or condition for the importer",[317,585,586,592],{},[320,587,588,589,591],{},"If there is no milestone to choose, add one first on the ",[277,590,416],{}," tab.",[320,593,594,595,598,599,604],{},"Sending the request notifies the importer with a ",[277,596,597],{},"\"Fund Verification Requested\""," alert. Before it is issued, you can undo it with ",[277,600,601],{},[353,602,603],{},"Cancel Request",".",[270,606,607],{},[273,608,609,610,613],{},"💡 Why does a proof-of-funds request need a receiving wallet? Because the request itself says ",[295,611,612],{},"\"pay me into this wallet.\""," Once the importer issues the certificate, they can send the payment straight to it.",[273,615,616],{},[617,618],"img",{"alt":619,"src":620},"Verification (Request) tab — step 1, selecting a milestone. Each card shows the amount, share and current status","\u002Fimages\u002F3-payment\u002Fverify-request-steps.png",[370,622,624,625],{"id":623},"_3-importer-issuing-the-certificate","3. Importer — Issuing the Certificate ",[353,626],{"id":627},"help-app-pof-issue",[273,629,630,631,633],{},"Pick the requested milestone on the ",[277,632,444],{}," tab and issue it.",[635,636,637,647,653],"ol",{},[320,638,639,642,643,646],{},[277,640,641],{},"Connect a wallet:"," Connect the wallet holding your funds (see below for how). TFlow checks ",[277,644,645],{},"that the wallet is yours and that the balance really is sufficient"," — if the balance is below the amount being attested, it will not be issued.",[320,648,649,652],{},[277,650,651],{},"Preview (optional):"," You can see how the certificate will look before issuing (the preview is stamped as a draft).",[320,654,655,658,659,664,665,668],{},[277,656,657],{},"Issue:"," Press ",[277,660,661],{},[353,662,663],{},"Issue PoF"," and sign the ",[277,666,667],{},"1 T-RLUSD issuance fee"," in your wallet to complete issuance.",[270,670,671],{},[273,672,673,674,604],{},"ℹ️ Issuing locks up nothing and sends nothing anywhere. Apart from the fee, no amount leaves your wallet — the certificate is a ",[277,675,676],{},"record of the balance confirmed at that moment",[678,679,681],"h3",{"id":680},"what-the-certificate-shows-the-wallet-address-is-never-published","What the Certificate Shows — the Wallet Address Is Never Published",[388,683,684,694],{},[391,685,686],{},[394,687,688,691],{},[397,689,690],{},"Item",[397,692,693],{},"How it appears",[407,695,696,710,727,740],{},[394,697,698,703],{},[412,699,700],{},[277,701,702],{},"Holder",[412,704,705,706,709],{},"The ",[277,707,708],{},"company (organization) name"," as of issuance — the company is the subject, not an individual",[394,711,712,717],{},[412,713,714],{},[277,715,716],{},"Account Verification",[412,718,719,722,723,726],{},[295,720,721],{},"\"Verified by T flow on the XRP Ledger\""," — ",[277,724,725],{},"the wallet address is not shown."," Publishing an address would also expose every transaction that wallet has ever made",[394,728,729,734],{},[412,730,731],{},[277,732,733],{},"Attested minimum holding",[412,735,736,737],{},"Written as ",[295,738,739],{},"\"holds no less than the stated amount\"",[394,741,742,747],{},[412,743,744],{},[277,745,746],{},"Basis of confirmation",[412,748,749,750,753],{},"Only the ",[277,751,752],{},"blockchain record number"," where the check took place (the transaction number is omitted too, since it indirectly reveals the address)",[317,755,756,763],{},[320,757,758,759,762],{},"An issued certificate can be ",[277,760,761],{},"reopened at any time"," by selecting that milestone again.",[320,764,765,766,771],{},"To pass it on, use ",[277,767,768],{},[353,769,770],{},"Download PDF"," or print it (it comes out as a single A4 page).",[273,773,774],{},[617,775],{"alt":776,"src":777},"PoF certificate — holder (organization), \"Verified by T flow on the XRP Ledger\", attested minimum holding, and the confirmed blockchain record number","\u002Fimages\u002F3-payment\u002Fpof-certificate.png",[678,779,781,782],{"id":780},"after-issuance-paying-the-exporter-directly-new","After Issuance — Paying the Exporter Directly ✨ NEW ",[353,783],{"id":784},"help-app-pof-direct-pay",[273,786,787,788,793],{},"Once the certificate is issued, a ",[277,789,790],{},[353,791,792],{},"Pay Seller Directly"," button appears in its place.",[317,795,796,810,822],{},[320,797,798,799,802,803,345,807],{},"It sends the money ",[277,800,801],{},"immediately from your wallet to the exporter's wallet",", without going through escrow",[561,804,805],{},[313,806,566],{"href":565},[277,808,809],{},"There is no additional fee.",[320,811,812,813,816,817,821],{},"Before sending, TFlow checks ",[277,814,815],{},"whether the exporter's wallet can receive this currency"," (receiving permission",[561,818,819],{},[313,820,566],{"href":565},") and tells you before the signing step if it cannot.",[320,823,824,825,828,829,604],{},"As the confirmation dialog states, the payment goes through ",[277,826,827],{},"without escrow protection and cannot be undone."," The payment record is kept alongside the certificate, and the status becomes ",[277,830,831],{},"Paid",[678,833,835,836],{"id":834},"connecting-and-registering-wallets-new","Connecting and Registering Wallets ✨ NEW ",[353,837],{"id":838},"help-app-pof-wallet-connect",[273,840,841,842,845],{},"You can connect a wallet directly on the Payment screen, or register wallets in advance under ",[277,843,844],{},"My Profile > Wallets",". With them registered, you simply pick one from the list when paying.",[388,847,848,860],{},[391,849,850],{},[394,851,852,854,857],{},[397,853,324],{},[397,855,856],{},"Where it runs",[397,858,859],{},"Notes",[407,861,862,881,894],{},[394,863,864,869,872],{},[412,865,866],{},[277,867,868],{},"Xaman",[412,870,871],{},"Phone app",[412,873,874,877,878],{},[277,875,876],{},"The recommended option."," When a signature is needed your phone gets a notification, or you can scan the on-screen QR instead. ",[277,879,880],{},"The only option that works on a phone.",[394,882,883,888,891],{},[412,884,885],{},[277,886,887],{},"Crossmark",[412,889,890],{},"PC browser extension",[412,892,893],{},"You sign in the extension window",[394,895,896,901,904],{},[412,897,898],{},[277,899,900],{},"GemWallet",[412,902,903],{},"PC browser extension (beta)",[412,905,906],{},"Supports connecting, ownership checks, and payments",[317,908,909,916],{},[320,910,911,912,915],{},"When connecting, you ",[277,913,914],{},"sign once to confirm the wallet is yours",", and it is registered to your account. One wallet can be registered to only one TFlow account.",[320,917,918,919,925],{},"In Wallets you can ",[277,920,921,922,924],{},"name a wallet (alias), set a default, set up receiving permission (the ",[353,923,355],{}," button), check balances, and disconnect",". Wallets whose ownership check is incomplete appear dimmed and cannot be used for payments.",[273,927,928],{},[617,929],{"alt":930,"src":931},"My Profile > Payment Wallets — wallet-type logos, verified and primary badges, T-RLUSD balance, and the three connect buttons","\u002Fimages\u002F3-payment\u002Fwallet-management.png",[370,933,935,936],{"id":934},"_4-milestone-progress","4. Milestone Progress ",[353,937],{"id":938},"help-app-pof-milestone-status",[273,940,941,944,945,944,948,944,951],{},[277,942,943],{},"Draft"," → ",[277,946,947],{},"Requested",[277,949,950],{},"PoF issued",[277,952,831],{},[317,954,955],{},[320,956,957],{},"A milestone that is already finished (paid, refunded, or cancelled) cannot issue anything new. Create a new milestone instead.",[370,959,961,962],{"id":960},"_5-proof-of-funds-troubleshooting-faq","5. Proof of Funds Troubleshooting (FAQ) ",[353,963],{"id":964},"help-app-pof-troubleshooting",[317,966,967,981,995,1009],{},[320,968,969,972],{},[277,970,971],{},"Q: \"The send-request button won't activate.\"",[317,973,974],{},[320,975,976,977,980],{},"A: You have to complete step ",[277,978,979],{},"3 (Receiving Wallet)"," before you can send. Specify the wallet you want to be paid into first.",[320,982,983,986],{},[277,984,985],{},"Q: \"It says my balance is insufficient when I try to issue.\"",[317,987,988],{},[320,989,990,991,994],{},"A: If the connected wallet's actual balance is ",[277,992,993],{},"below the amount you're attesting to",", it will not be issued. Reconnect with a wallet that holds enough, or top it up, then try again.",[320,996,997,1000],{},[277,998,999],{},"Q: \"I can't see the wallet selection or issue buttons at all.\"",[317,1001,1002],{},[320,1003,1004,1005,1008],{},"A: On a tab that doesn't match your role (for example, an exporter opening the Issue tab) you can only look — the buttons are hidden. Also, only the parties registered as ",[277,1006,1007],{},"importer\u002Fexporter"," on the project's Share screen can request or issue.",[320,1010,1011,1014],{},[277,1012,1013],{},"Q: \"I tried to pay but it says the recipient cannot receive it.\"",[317,1015,1016],{},[320,1017,1018,1019,1022,1023,1027],{},"A: The receiving wallet either ",[277,1020,1021],{},"has no receiving permission for that currency or lacks capacity",". The exporter just needs to press ",[277,1024,1025],{},[353,1026,355],{}," once in their wallet management (or on the Payment screen).",{"title":1029,"searchDepth":1030,"depth":1030,"links":1031},"",3,[1032,1034,1035,1040,1041],{"id":372,"depth":1033,"text":373},2,{"id":483,"depth":1033,"text":484},{"id":623,"depth":1033,"text":624,"children":1036},[1037,1038,1039],{"id":680,"depth":1030,"text":681},{"id":780,"depth":1030,"text":781},{"id":834,"depth":1030,"text":835},{"id":934,"depth":1033,"text":935},{"id":960,"depth":1033,"text":961},"Request and issue Proof of Funds per milestone on the project Payment screen, connect a wallet, and pay the exporter directly after issuance.","guide","tflowx.com","md",null,{},{"title":78},"app-pof",[1051,1052,1053],"project-payment","app-settlement","app-xrpl-quickstart",{"title":260,"description":1042},[1056,1057,1058,1059,1060,1061,361,1062,868],"proof of funds","PoF","wallet","escrow","milestone","TrustLine","certificate","ocGIzsRUQyDNVUa1J8sXciVpJe_vlTWok1VMXQN8vSs",1787533857570]