Show how the money moves.
A flow of funds diagram your bank can actually read
Banks, sponsors and regulators ask the same question in different words: who holds the money, when, and under what obligation. We document your flows the way their reviewers read them, so the question gets answered once.
Diagrams plus written transaction steps plus the numbers. One package, agreed scope.
Enquiry form
Diagrams plus written transaction steps plus the numbers. One package, agreed scope.
Received
Received. We will reply with the questions that define each flow, then a quote for the package.
Is this your situation?
A bank, sponsor or auditor has asked for your flow of funds and your first attempt came back with questions.
You are entering onboarding and want the file right the first time.
You run a hybrid fiat-crypto or multi-currency model and nobody on your team can draw it clearly.
What you get
One diagram per defined flow (pay-in, custody, FX, settlement, pay-out) in a consistent notation.
A written transaction set: each step, each party, each account, each obligation, in order.
A calculation matrix: fees, FX treatment, settlement timing and who bears each cost.
A short glossary so your bank and your developers use the same words.
Editable source files (SVG or draw.io) and a PDF.
How it works
- 1
You send the form and describe the flows you need documented.
- 2
We scope the number of flows and quote.
- 3
We interview you, draft, and walk you through the draft on a call.
- 4
One revision round, then final files.
What this is not
- This is not a system architecture or an API spec. It documents money, not messages.
- This is not for a model that is still changing weekly. Fix the model, then document it.
- This is not a compliance opinion. It describes what happens; it does not certify that it is allowed.
Who you are dealing with
Faisal Khan LLC is a consultancy and brokerage in cross-border payments, MSB banking, licensing and compliance. The firm is based in Istanbul and works remotely with clients in the United States, the United Kingdom, the European Union, Canada, the UAE and selected Asian markets.
The firm does not open accounts, issue licences or hold funds. It searches, matches, documents and introduces. The provider or the regulator makes the decision. That is the honest shape of this work, and it is stated here so you know what you are buying.
Flow of funds diagram questions
What is a flow of funds diagram?
A drawing of each movement of money in a transaction: which account it leaves, which account it enters, which party holds it at each moment, and under what obligation. It is the core of flow of funds documentation.
What does a bank want to see in a flow of funds?
Who holds customer money and when, where fees are taken, where FX happens, how settlement works, and whether your business ever touches the funds. A fund flow for bank onboarding that answers those five points is the one reviewers are expecting. It sits alongside our wider banking onboarding support.
How do you document a transaction flow for a payments company?
One diagram per flow, a numbered written step list, and a calculation table for fees, FX, settlement timing and who bears each cost. The method is the same for every client. The content is yours.
What is the difference between a flow of funds and a process flow?
A process flow shows actions: who clicks, who approves, what the system does. A flow of funds shows money and obligations: who holds it, when, and on what terms.
Do I need a flow of funds for a money transmitter application?
Reviewers commonly ask for one. Requirements vary by regulator, so we document to the reviewer's expectation rather than to a fixed template. Our advisory pricing for the package is published on faisalkhan.com.