Design demo. Every screen here is a static mockup — nothing is connected to a payment system, and no control does anything. Names, balances, account numbers and references are invented for review. The rate shown (¥1 ≈ ₵1.76) is illustrative, not quoted.

Corridor 03 · 15 screens

Payroll · China → Ghana

A Shenzhen construction contractor pays 42 Ghanaian staff on the 15th of every month. One approver authorises yuan, thirty-eight wallets receive cedi, and each credit settles on its own. These are the screens that hold that together.

ICBC Shenzhen · CNY CIPS settlement eCedi payout · GHS Ghana Card binding Two approvers
15Screens designed
38 / 42Wallet-ready staff
2Approvers per batch
¥1 ≈ ₵1.76Rate shown at approval

Flow A · Contractor onboarding

04 screens · employer portal

A Chinese company registering to pay staff in another jurisdiction. Four screens covering the registry identity, a second factor, the compliance checks that run at different speeds, and the two ends of the corridor being configured as one decision.

Create an employer accountStep 1 of 3
Registered company name
Shenzhen Hongtai Construction Ltd
注册名称 · name on the registry
深圳宏泰建设有限公司
Unified social credit code
91440300MA5EX8K27P
18 characters · checked against the national registry
Legal representative
Zhang Ming / 张明
Must match the person named on the USCC record
Contact number
+86 138 2841 7702
Work email
finance@hongtai-cn.com
A personal email address is not accepted. Payroll approval notices and batch receipts go to this address, and it has to survive the person who typed it leaving the company.
Continue to verification
01

Registration

A unified social credit code is eighteen characters of Chinese company registry that no one in Accra can check by eye. It is captured first because the entire verification chain hangs off it — and so is the Chinese-character name, because the registry answers to that, not to the English trading name.

Two-step verificationSecond factor required
Signing in as
finance@hongtai-cn.com
Zhang Ming · Finance · approver
6-digit code from your authenticator
4 8 2 9 1 6
Code refreshes every 30 seconds · 00:18 remaining
Verify and continue
Use a backup code
This login can authorise a ¥100,607.00 debit. A second factor is required on every sign-in, not only on unrecognised devices.
02

Login with 2FA

The same credential that opens the portal also authorises the month's payroll debit. A second factor here is cheaper than any control further down the flow, because by the time the approval screen appears the number on it is already trusted.

Business verification1 check outstanding
Company registry checkUSCC 91440300MA5EX8K27P matched 深圳宏泰建设有限公司 · Nanshan District, Shenzhen
Legal representative identityZhang Ming / 张明 · passport and registry record agree
Cross-border payroll declarationFiled against the CNY funding account at ICBC Shenzhen
3
Ghana employer registrationAwaiting the PAYE number from Ghana Revenue Authority · typically 2 working days
4
Corridor activationEmployees can be added and batches drafted. Nothing can be sent until this clears.
Each check has a different owner and a different clock. Only the last one blocks payment.
03

Business verification

Four checks with different owners and very different clock speeds — a registry lookup answers in seconds, a Ghana Revenue PAYE number takes days. Collapsing them into a single pending bar hides which one is actually holding the account up, which is the only thing the contractor wants to know.

Company profileCorridor live
Debit side · Shenzhen
Funding accountICBC Shenzhen ···· 4471
CurrencyCNY
Settlement railCIPS
Account holder深圳宏泰建设有限公司
Credit side · Ghana
Payout instrumenteCedi (GHS)
Beneficiaries42 employees · Ghana
Payroll day15th of each month
Indicative rate¥1 ≈ ₵1.76
The rate above is indicative. The rate that matters is quoted against the batch at approval and holds until the batch is sent or expires.
04

Company profile

The debit side and the credit side are configured on one screen because they are one decision: yuan leaves ICBC Shenzhen, cedi arrives in eCedi wallets, and the payroll day fixes when the rate gets quoted. Split across separate settings pages, a corridor ends up half configured and nobody can tell.

Flow B · Employees

05 screens · employer portal

Forty-two people, thirty-eight of whom can currently be paid. These screens exist to make the gap between those two numbers visible before the 15th rather than on it.

DashboardCorridor live
Employees42
38 wallet-ready
Next payroll15 Oct
in 6 days
Last batch paid₵181,300
SB-2609-0042 · 42 staff
Funding balance¥412,880
ICBC Shenzhen ···· 4471
BatchPeriodStaffPayoutStatus
SB-2610-0043September 202638₵176,400.00Draft
SB-2609-0042
CIPS20260915004388
August 202642₵181,300.00Paid
SB-2608-0041July 202641₵174,950.00Paid
4
Employees without a walletThey will be excluded from the September batch unless a wallet is linked before the 15th
Blocking
1
Akosua Darko · name check warningWallet is registered as A. Darko — confirm before the batch is approved
Review
05

Employer dashboard

The four figures a payroll manager checks before the 15th: headcount, the date, what last month cost, and whether the funding account covers it. Needs-attention sits directly underneath because four employees without a wallet is a problem with a deadline, not a notification.

Employees38 ready4 without a wallet
EmployeeRoleGhana CardMonthlyWallet readiness
Kwame MensahSite foremanGHA-442190834-1₵6,800.00 Ready · EC-GH-88214470
Akosua DarkoQS assistantGHA-773028441-5₵4,200.00 Name check
Yaw OwusuPlant operatorGHA-118840227-3₵5,100.00 Ready
Abena AsanteStorekeeperGHA-509127730-8₵3,900.00 Ready
Kofi AnaneDriverNot linked₵3,400.00 No wallet · cannot be paid
Showing 5 of 42 · sorted by wallet readiness, worst first
06

Employee list

Wallet readiness is a column, not something you discover by opening a record. It decides whether a person can be in a batch at all, so it has to be legible across all forty-two at once — and the list sorts on it, because on payroll day the question is who is missing, not who is fine.

Add employeeWallet found
Full name, as on the Ghana Card
Kwame Mensah
Ghana Card number
GHA-442190834-1
Checked against the eCedi wallet registry as you type
Role
Site foreman
Monthly gross
₵6,800.00
✓ Wallet found
eCedi walletEC-GH-88214470
Name on walletKwame Mensah
Ghana Card matchExact
Wallet statusActive since Mar 2026
Add to payroll
If the name on the wallet differs from the name typed here, the employee is saved with a name-check warning and stays visible on the dashboard until someone confirms it.
07

Add employee

The Ghana Card number is what binds an employee record to a wallet, so the lookup runs on entry and shows the name that wallet is registered under. A transposed digit surfaces here, in front of someone who knows the employee, instead of on the 15th as a failed credit.

Kwame MensahWallet ready
Employment
RoleSite foreman
Monthly gross₵6,800.00
Payroll day15th of each month
Employee numberGH-0112
Wallet binding
eCedi walletEC-GH-88214470
Ghana CardGHA-442190834-1
Name checkExact match
Verified04 Mar 2026
PaidPeriodBatchAmountStatus
15 Sep 2026August 2026SB-2609-0042₵6,800.00Paid
15 Aug 2026July 2026SB-2608-0041₵6,800.00Paid
15 Jul 2026June 2026SB-2607-0040₵6,500.00Paid
08

Employee detail

Employment terms, wallet binding and payment history on one page, because every support question about an employee is some combination of the three: was he paid, into what, and for which month. The batch reference in the history is the thread back to the run that produced it.

Bulk upload · staff-oct-2026.csv42 rows checked
Ready to import34
Wallet found, name matches
Needs review5
Import blocked until resolved
Rejected3
Row cannot be read
RowName in fileFindingGroup
12Akosua DarkoWallet is registered as A. Darko, not Akosua DarkoNeeds review
19Kofi AnaneNo eCedi wallet linked to this Ghana CardNeeds review
24(blank)Ghana Card malformed — 10 characters, expected 15Rejected
31Yaw OwusuDuplicate Ghana Card — already on payroll as GH-0119Rejected
Import the 34 ready rows
Download the 8 flagged rows
09

Bulk CSV upload

A forty-two row file is never uniformly good. Splitting the result into ready, needs review and rejected lets the thirty-four clean rows import while the eight problem rows are chased down — an all-or-nothing import error holds up a payroll because of a typo in row 24.

Flow C · Salary run

04 screens · employer portal

September salaries, batch SB-2610-0043. Selection, approval in two currencies by two people, a counted run, and a result in which one of thirty-eight credits did not land.

Create batch · September 2026Draft · SB-2610-0043
Included38
Wallet ready
Excluded4
Will not be paid on the 15th
Payout total₵176,400
Before conversion
InEmployeeAmountNote
Kwame Mensah₵6,800.00Wallet EC-GH-88214470
Akosua Darko₵4,200.00Name check confirmed 07 Oct
Abena Asante₵3,900.00Wallet EC-GH-51907724
Kofi Anane₵3,400.00Excluded · no wallet linked
3 further employees are excluded — 2 without a wallet, 1 with an unverified Ghana Card. They stay listed with the batch until they are paid or the month is closed.
10

Create batch

Excluded employees stay on the screen with the reason they were dropped. A payroll manager has to see who is about to miss a payday while there is still time to fix it — a staff count that quietly falls from 42 to 38 is precisely what nobody notices until the complaint arrives.

Review and approve · SB-2610-00431 of 2 approvals
You are authorising · CNY
Salaries¥100,227.00
Corridor fee¥380.00
Total debit¥100,607.00
FromICBC Shenzhen ···· 4471
Employees receive · GHS
Employees paid38
Payout₵176,400.00
Rate held¥1 ≈ ₵1.76 · 28 min
IntoeCedi wallets
ZM
Zhang Ming · FinanceApproved 09:12 · 09 Oct 2026
Approved
LW
Li Wei · OperationsSecond approval required before any money moves
Awaiting
Waiting for the second approver
11

Review batch

The approver sits in Shenzhen and authorises yuan; thirty-eight people in Ghana receive cedi. Both sides appear together with the held rate between them, because an approval screen showing only ¥100,607.00 asks someone to vouch for a number they have no way to check.

Sending · SB-2610-004331 of 38 confirmed
Credited31
Confirmed by the wallet
In flight6
Awaiting confirmation
Failed1
Retried individually
Elapsed4m 12s
Started 09:31
Funding debited¥100,607.00 from ICBC Shenzhen ···· 4471 · CIPS20261015004471
Converted at the held rate¥100,227.00 → ₵176,400.00 at ¥1 ≈ ₵1.76
3
Crediting employee wallets31 of 38 confirmed · each credit is sent and confirmed on its own
4
Batch receipt issuedAvailable once every credit has settled or failed
12

Batch processing

The debit and the conversion are single events that either happened or did not. The credits are thirty-eight separate ones, so progress is counted rather than spun, and the screen keeps the two kinds of step visually apart. Closing the page does not stop the run.

Batch complete · SB-2610-00431 payment failed
Paid37
₵172,500.00 · final
Failed1
₵3,900.00 returned
Debited¥100,607
CIPS20261015004471
EmployeeAmountReasonAction
Abena Asante
Storekeeper · EC-GH-51907724
₵3,900.00 Wallet frozen
Compliance hold at the wallet provider · opened 14 Oct
Retry this payment
The other 37 credits are settled and final. ₵3,900.00 has been returned to the corridor balance and will not be re-debited — retry pays Abena Asante alone. Re-sending the batch would pay 37 people a second time.
13

Batch result — partial success

Thirty-seven credits are final and one is not, so the retry is attached to the failed row rather than to the batch. The returned ₵3,900.00 is stated plainly because the alternative — an operator re-running the whole batch to fix one person — is how thirty-seven people get paid twice.

Flow D · The employee's side

02 screens · eCedi wallet app

The same payment, seen by Kwame Mensah in Ghana. He has no view of the batch, the approvers or the yuan debit — only the cedi that arrived, who sent it and which month it covers.

09:41MTN ▪ 4G ▪ 86%
Salary received
₵6,800.00
15 Oct 2026 · 09:38
FromShenzhen Hongtai Construction Ltd
Pay periodSeptember 2026
IntoeCedi wallet ···· 4470
New balance₵9,240.00
An SMS with the same reference has been sent to 024 ··· 7118, in case the app is opened later.
View payment detail
Withdraw to MoMo
Wallet
Send
Activity
Profile
14

Salary received

The employee's first two questions are whether the money is there and how much. The employer's name and the pay period sit directly beneath, because a worker holding two contracts needs to know which job just paid him, and for which month.

09:41MTN ▪ 4G ▪ 86%
Payment detailReceipt
₵6,800.00 Credited
EmployerShenzhen Hongtai Construction Ltd深圳宏泰建设有限公司
Pay period1 – 30 September 2026
Paid15 Oct 2026 · 09:38
Salary batchSB-2610-0043
CIPS referenceCIPS20261015004471
WalletEC-GH-88214470
Fees deducted₵0.00 · paid by employer
This CIPS reference is the same one the employer sees in Shenzhen. Quote it to either side and both can find this payment.
Wallet
Send
Activity
Profile
15

Salary payment detail

One reference, shared by both ends of a two-country corridor. When a payment is queried — by the worker in Accra or the finance office in Shenzhen — both must be able to name the same transfer, so the CIPS reference appears in full rather than abbreviated.

Design language · this corridor

Three decisions that shaped the payroll screens

Batch

Nothing bulk is atomic

Thirty-eight credits succeed or fail independently, so progress is counted and a failure retries on its own row. Retrying the whole batch to fix one employee is how duplicate salaries happen.

Approval

Both currencies, two people

The yuan debit and the cedi payout appear on the same approval screen with the held rate between them, and a second approver is required before any of it moves.

Exclusion

Nobody drops out quietly

Wallet readiness is a list column, and the four employees it excludes stay visible with their reason all the way into the batch. A headcount that falls on its own is the failure nobody sees.