An identity that connects
the references.
A common reference can make a transaction understandable across systems. Permission determines which parts of that story each institution can inspect.
Three levels, one connected record
Business intent
The underlying obligation or purpose. A single intent can require more than one payment attempt.
Payment attempt
A distinct attempt to fulfill that intent. A replacement attempt stays separate from an earlier attempt that failed, returned or remains unresolved.
Financial movement
The unit used for settlement and posting reconciliation. Partial payments, adjustments and returns must retain their own meaning.
Keep native references in context
The engineering release generates random, checksummed ATXI identities. An institution’s native reference is associated with its issuer and date scope so that identical-looking references from different systems do not silently become the same transaction.
Accepted institutional memberships and signed-source authorization determine participation. The identity provides a link between permitted records; it is not an authentication credential or a public search key.
ATXI’s intended common identity model spans participating systems. It does not imply universal bank adoption, automatic network coverage or access to any financial institution’s records.
A source assertion is not the whole truth
ATXI retains the reporting institution, occurrence time, receipt time and the applicable disclosure boundary. Corrections and withdrawals preserve the history of what changed. Missing evidence stays missing, and contradictory statements remain visible to authorized reviewers.
Follow the transaction lifecycle →