Start with the highest-impact trust surface. For most financial deployments, that is beneficiary change.
Beneficiary change
A payment beneficiary, wire destination, or remittance target is modified within an authorized workflow. EP generates a cryptographic handshake binding the exact new destination, currency, amount, the requesting identity, and the authorizing officer. If the handshake is not satisfied, the change does not execute. For amounts above the dual-authorization threshold, two named principals must independently sign off. The signoff records are immutable and satisfy SOX evidence requirements.
+Handshake binds exact new beneficiary, currency, and amount
+Named officer signoff required before change commits
+Dual authorization for amounts above policy threshold
+Signoff is one-time consumable and replay-resistant
+SOX-grade evidence chain for every beneficiary change