Use Case Spotlight

Reversing a Six-Figure Wire in Under Three Hours

This flagship scenario shows how banks deploy T3 to neutralize spear-phishing losses, satisfy regulators, and delight customers.

See the Playbook View Core Features
$125K
Fraudulent transfer detected
02:19
Time to reverse with T3
0
Customer funds lost

Stakeholders Protected

T3’s HalfLife, SmartLock, and Protect modules align incentives between compliance, risk, and product teams.

Regulators Receive tamper-proof audit trails and reversal attestations inside the same ledger.
Risk Teams Launch reversal workflows with governed authority—no off-ledger negotiation required.
Customers See transparent status updates and regain funds before operations open the next morning.

How the Response Unfolds

The workflow pairs programmable policies with human expertise so institutions stay in control.

1. Detection & Freeze

Streaming alerts flag an anomalous transfer minutes after it settles. The risk desk initiates SmartLock, placing the recipient wallet under controlled pause.

  • Allow/deny lists and velocity rules trigger alarms without manual review.
  • Designated responders authenticate using role-based access managed inside the Diamond.
  • Protect accruals continue to fund the insurance pool during the freeze.

2. Governed Reversal

ReverseUnlock runs inside the HalfLife window. Funds return to the originator wallet and a regulatory report is generated automatically.

  • Multi-sig approvals and policy checks execute before state changes.
  • All events emit structured logs for downstream analytics and supervisors.
  • Customers receive notifications with immutable timestamps.

3. Review & Learn

Post-incident analytics feed the rules engine so similar patterns are blocked proactively and compliance controls stay current.

  • Rules update via governance to tighten thresholds without redeploying contracts.
  • Protect payouts and fee accruals reconcile automatically.
  • Executive dashboards capture KPIs for board and regulator briefings.

Beyond Wires: Additional High-Impact Deployments

Cash-to-Digital

Cambio Offline Notes

QR-coded or phrase-protected bearer notes inherit HalfLife windows and Protect insurance, with a 5-character checksum that keeps handwritten handoffs verifiable for humanitarian aid.

Escrow Programs

SmartLock Escrow

Merchants receive instant settlement while compliance teams retain the ability to unwind errors with governed approvals.

RegTech

Automated SAR Support

Structured logs feed suspicious activity reporting workflows, easing burden on compliance analysts and exam teams.

Want a tailored walkthrough?

Our team can map T3’s modules to your internal controls, regulator expectations, and customer experience goals.

Request a Strategy Session