Customer Submits Business Application
Customer Portal · Dubai client Al Ghurair Trading self-submits
👤 Client view
Al Ghurair Trading LLC · Dubai
Note: this page is a prototype of the online submission form · required documents are auto-matched to the selected business type.
Step 1 · Business Type
Step 2 · Entity Basics
Step 3 · Transaction Info
Step 4 · Document Upload (14 items)
Business LicenceP0✓ Uploaded
Legal Rep PassportP0✓ Uploaded
UBO DeclarationP0✓ Uploaded
Address ProofP0✓ Uploaded
Master Contract + Split ScheduleP0✓ Uploaded
Proforma Invoice PIP0✓ Uploaded
Commercial InvoiceP0✓ Uploaded
Packing ListP0✓ Uploaded
Bill of Lading B/LP0✓ Uploaded
Split Plan Sign-offP0✓ Uploaded
Source of Funds ProofP0✓ Uploaded
Supplier ProfileP0✓ Uploaded
Customs DeclarationP1Pending
Insurance PolicyP1Pending
Step 5 · Attestations & Submit
☑ I confirm that all submitted materials are true, complete, and valid
☑ I agree to sign the AML Compliance Declaration and the Trade Authenticity Undertaking
☑ I authorise the platform to process this transaction via its tiered approval workflow
System · You will receive an email receipt · Wendy completes T1 within 24h · quotation delivered within 3 business days
Wendy · Tier-1 Review · Documentation Compliance
Reviewer T1 · KYC / KYB / UBO / AML / PEP · SLA 24h
👤 Wendy view
Xingyao Jinbo (Beijing) Digital Technology
Today's Review Queue (4)
#XJB-2607-0142
Al Ghurair Trading LLC
Split Large-Amount · Dubai → Ningbo + Shanghai
$ 1,000,000
2 min ago · Referred by CHAI
Pending T1
#XJB-2607-0141
Sharjah Elec Co.
Goods Trade · Sharjah → Shenzhen
$ 380,000
32 min ago
Approved
#XJB-2607-0140
Astana Metals JSC
Central Asia Energy Settlement · KZT → USD
$ 2,400,000
1 hour ago
Pending T1
#XJB-2607-0139
Kenya AgriExports
Cross-Border E-Commerce · Multi-Currency Africa
$ 65,000
2 hours ago
Approved
Under Review · #XJB-2607-0142
Basic Info
ClientAl Ghurair Trading LLC · Dubai UAE
Business TypeSplit Settlement (Large Amount)
Amount$ 1,000,000 · L3 High Value
DestinationNingbo (corporate) + Shanghai (corporate + individual split)
Legal Rep / UBOAhmed Al Ghurair 60% · Faisal Al Ghurair 35%
Intended ChannelsCogoLinks 60% + LianLian 40%
Four Compliance Pillars · Auto-Check
KYC · Legal Rep Identity
Passport valid > 6 months · facial match confirmed
Pass
KYB · Corporate Entity
Dubai DED licence · valid to 2027-03 · 3-year operating history
Pass
UBO · Beneficial Owner Traceability
2 natural persons · passports on file · PEP screening negative
Pass
AML · Sanctions List Screening
OFAC · EU · UN · HKMA · cross-checked against 4 databases · no hits; UAE grey-listed, additional compliance declaration required
Add-on required
Documentation Completeness
12 P0 items all in place · 2 P1 items pending
P0 complete
Wendy's decision · UAE grey-listing is a procedural flag · non-blocking · adding a "counterparty verification note" is sufficient · recommend releasing to T2.
Grace · Tier-2 Review · Business Substance & Channel Match
Reviewer T2 · Trade Authenticity + Channel Decision · SLA 24h
👤 Grace view
XJB Digital · Platform Owner
Business Substance Verification
Contract vs. Bill of Lading Consistency
Master contract $1M · three PIs $400k + $350k + $250k · three matching B/Ls
Consistent
Trade Authenticity
Consumer electronics + apparel · destination Ningbo bonded zone + Shanghai corporate · consistent with typical trade profile
Authentic
Source of Funds Compliance
Dubai Emirates NBD bank statements · 6 months · consistent with trade frequency
Compliant
Destination Compliance
A portion of the Shanghai split goes to individual accounts · large-amount reporting required (per-transaction > $50k)
Reporting required
Split Recommendation
System-Recommended Split Plan
Split $1M total into 3 sub-orders, optimal match:
Sub-Order 1$ 600,000 · CogoLinks primary · HK VA → Ningbo corporate
Sub-Order 2$ 250,000 · LianLian International · Shanghai corporate
Sub-Order 3$ 150,000 · HK tax-optimised · Shanghai individual
Estimated Margin≈ CNY 62,500 (0.87%)
Channel Matching Decision
CogoLinks Jiehang International Primary
Rail Primary · HK VA + Split
60%
$ 600,000
LianLian International
Rail Secondary · Mainland corporate rail
25%
$ 250,000
HK MSO + Document Package
Rail Tertiary · HK tax + individual-account optimisation
15%
$ 150,000
Grace's decision · Amount exceeds the $500K L3 large-amount threshold · system auto-escalates to Risk (Mr. Lin) · attach the "individual-account split reporting plan".
Mr. Lin · Risk Final Review · L3 Large-Amount Gate
Risk Officer · High-Value / Sensitive / Non-Standard Business · SLA 24h
👤 Mr. Lin view
Beijing Tiankun Shengda · Risk Officer
Risk Alert · Single transaction $1M triggers L3 · orange alert · CogoLinks pre-filing required · split plan must be accompanied by counterparty verification.
Risk Profile Radar
Entity Compliance
92
Dubai · 3 yrs operating · UBO clear · PEP negative
Trade Authenticity
88
Contract / invoice / B/L consistent · standard category
Amount Risk
L3
Single $1M · split into 3 · each > $150K
Destination Risk
65
Shanghai individual-account split · large-amount reporting required
Channel Fit
A+
CogoLinks primary channel · strong compliance fit
Overall Rating
L3 · Orange
Conditional pass · attestations attached
Conditional Approval · Add-on Requirements
- Attach "counterparty verification note" (Dubai counterparty business licence + payer/payee statements)
- Shanghai individual-account splits capped at ≤ $50K per transaction · max 3 splits
- CogoLinks pre-filing · confirmation within 24h
- Split execution locked at 3 sub-orders · no further sub-splitting
- Full-flow audit log mandatory · settlement via tripartite co-managed accounts
Sign-off
Risk RatingL3 · Orange
DecisionConditional Pass
ApproverMr. Lin (digital signature · timestamp)
SLAPush to CogoLinks within 48h
CogoLinks Channel Push
FieldSchema → CogoLinks API field mapping · submit · receipt
🔌 Channel Handoff
CogoLinks Jiehang International · Primary Channel
Step 1 · Field Mapping (FieldSchema → CogoLinks OpenAPI)
| Platform FieldSchema | CogoLinks API Field | Value | |
|---|---|---|---|
merchant.id | → | merchantId | XJB-2026-DUB-0142 |
merchant.legal_name_en | → | companyName | Al Ghurair Trading LLC |
merchant.country | → | country | AE |
trade.total_amount | → | amount | 1000000.00 |
trade.currency | → | currency | USD |
trade.split_plan | → | splitInstruction | [3 subOrders] |
subOrder[0].amount | → | subOrders[0].amount | 600000.00 |
subOrder[0].payee | → | subOrders[0].beneficiary | Ningbo Trade Co. Ltd |
compliance.kyc_result | → | kycStatus | PASSED |
compliance.risk_level | → | riskLevel | L3 |
compliance.approver | → | approverSignature | sig:0x7f3a... |
documents[*] | → | attachments | 14 files · SHA-256 |
Step 2 · Payload Preview
// POST https://api.cogolinks.com/v2/orders/split
// X-XJB-Signature: HMAC-SHA256(...)
// Idempotency-Key: XJB-2026-DUB-0142
{
"merchantId": "XJB-2026-DUB-0142",
"companyName": "Al Ghurair Trading LLC",
"country": "AE",
"amount": 1000000.00,
"currency": "USD",
"kycStatus": "PASSED",
"riskLevel": "L3",
"approverSignature": "sig:0x7f3a...",
"subOrders": [
{ "amount": 600000.00, "beneficiary": "Ningbo Trade Co. Ltd", "channel": "HK_VA" },
{ "amount": 250000.00, "beneficiary": "Shanghai Corp Ltd", "channel": "CN_CORP" },
{ "amount": 150000.00, "beneficiary": "Individual (KYC-verified)", "channel": "HK_TAX_OPT" }
],
"attachments": [ /* 14 files with SHA-256 hashes */ ]
}
Audit Timeline · #XJB-2607-0142
Full Audit Log · end-to-end trail · exportable by Grace's team
📊 Platform view
Immutable audit log · 5-year retention
End-to-End Timeline
2026-07-11 · 08:02:14 CST
Customer Submits Business Application
Client · Al GhurairSubmitted split-order business via online form · 14 P0 documents complete · IP from UAE
2026-07-11 · 08:05:33 CST
CHAI Confirms Order Intake · Referral Logged
CHAI · DubaiFirst-touch rule triggered · reported to platform within 24h · 5% referral commission bound
2026-07-11 · 08:30:47 CST
Wendy T1 · Documentation Compliance Passed
Wendy · T1KYC / KYB / UBO / AML all passed · UAE grey-list addendum attached · 28 min elapsed
2026-07-11 · 09:15:22 CST
Grace T2 · Split Plan Confirmed
Grace · T2Trade substance verified · 3 sub-orders · CogoLinks 60% + LianLian 25% + HK MSO 15%
2026-07-11 · 10:03:11 CST
Mr. Lin Risk · L3 Conditional Pass
Lin · RiskHigh-value $1M · L3 orange alert triggered · counterparty verification attached · digitally signed
2026-07-11 · 10:34:52 CST
CogoLinks Push · Payload Submitted
System · PushOrder ID
CGL-2607-9938271 · Sub-Order 1 ROUTED · Sub-Orders 2/3 QUEUED / PENDING2026-07-11 · 11:15:00 CST (est.)
CogoLinks Credit Advance
CogoLinks60% advance on the L1 primary sub-order · $ 600,000 → Ningbo supplier credited at T+0
2026-07-13 · est.
Sub-Orders 2 / 3 Settle
ChannelsLianLian mainland corporate + HK MSO tax-split settlement · expected complete at T+2
2026-07-13 · est.
Four-Party Distribution · Client Statement
PlatformChannel spread + document service fee + tax settlement share · estimated gross revenue CNY 62,500
Data Sovereignty · All audit logs belong to XJB Digital platform · 5-year retention · available on regulatory request · partners / staff cannot bulk-export · platform-level customer data lock enforced.