Sasquatch National Bank — Limit schedules¶
Each Limit Schedule sets a daily outbound-flow cap for a
(parent_role, rail_name) pair. The L1 limit_breach matview
lists every account/day where outbound activity exceeded the cap.
Total: 7 limit schedules declared
on l2.yaml.
| Parent role | Rail | Cap | Description |
|---|---|---|---|
| DDAControl | CustomerOutboundACH | 12000.0 |
$12,000 daily ACH outbound cap per customer DDA. Mirrors the legacy AR policy. Breaches surface on the Today's Exceptions sheet's Limit Breach check. |
| DDAControl | CustomerOutboundWire | 15000.0 |
$15,000 daily wire outbound cap per customer DDA. Higher than the ACH cap because wires are typically larger but lower-volume and higher-friction (Fedwire fees, real-time settlement). |
| DDAControl | CustomerCashWithdrawal | 10000.0 |
$10,000 daily cash withdrawal cap per customer DDA. Aligns with the federal currency-transaction-reporting threshold so SNB surfaces the breach for compliance review even when it's otherwise within policy. |
| MerchantDDAControl | MerchantPayoutACH | 50000.0 |
$50,000 daily ACH payout cap per merchant DDA. Sized to accommodate normal small-merchant settlement volumes (a coffee shop's daily card sales rarely exceed this). Larger merchants negotiate elevated caps via SNB onboarding. |
| MerchantDDAControl | MerchantPayoutWire | 100000.0 |
$100,000 daily wire payout cap per merchant DDA. Sized higher than the ACH payout cap — merchants choosing wire delivery are typically higher-volume operations where the per-transaction Fedwire cost is justified. |
| MerchantDDAControl | MerchantPayoutCheck | 25000.0 |
$25,000 daily check payout cap per merchant DDA. Lower than the ACH cap because check-payout merchants are by definition lower-tech / lower-volume operations; SNB caps aggressive check issuance to surface anomalies. |
| DDAControl | CustomerInboundACH | 20000.0 |
AB.1 (2026-05-19): $20,000 daily ACH inbound cap per customer DDA. AML / structuring threshold — modeled after the federal currency-transaction-reporting rule but applied to ACH inbound volume so SNB compliance surfaces aggregated deposits that approach the threshold from below. Breaches surface on the Inbound branch of the L1 Limit Breach matview (UNION ALL split) and route to the AML review queue, distinct from the operations triage queue that the Outbound payout breaches use. |