thanks, that's good/fair feedback. thanks for the detailed suggestions.

i've learned a bit more about the specifics after speaking with some others in the business (i'm a lowly engineer, building the features that are required now, wasnt' here for the early startup days)

the business negotiates USD denominated debt settlement for individual clients (b2c) that want to avoid bankruptcy. inbound and outbound payments are in fiat, via ACH. the trust accounts we use are FDIC insured, but i'm not certain if that's a legal requirement, or a coincidence. the trust stores the payments until a negotiated lump-sum payoff with a debt-holder (b2b) can be reached.

being willfully vague here because "The Man", but if you're super curious let me know how we can initiate a DM.

our current platform has a heinous, poorly documented API... seems like the sort of thing ripe for disruption.

i'll investigate the tools you mentioned. i think a combination of tools might suffice. in terms of alternate solutions to our current workflow... it's certainly non-trivial.

thanks again