The VIBAN Applications Module

A VIBAN application is a customer's request for a personal bank account — see VIBAN Overview for what that means and how it fits into checkout. This module tracks every application from submission through to a final decision.

Permissions

Action	Permission required
View an application	viban_application:read
View its personal (PII) details	viban_application:read:pii
View its audit trail	viban_application:audit
Create an application	viban_application:create
Cancel an application	viban_application:cancel
Correct or override a status	viban_application:disposition (or viban_application:disposition:override — see Correcting & Managing an Application)
Reconcile against the provider	viban_application:reconcile

Directory columns

Column	Description
ID	Internal Payment Nexus identifier for this application
Tenant Customer	The customer who applied
Payment Service Provider	The provider account the application was submitted against
Currency	The currency of the requested account
Status	The current lifecycle status — see below
Initiated By	Customer or Operator
External Application ID	The provider's own reference for this application
PSP Customer Account	The issued account, once one exists
KYC Provider	The identity verification provider used
Created At	When the application was submitted
Updated At	When the application was last modified

Application status

Status	Meaning
Draft	Started but not yet submitted to the provider
Submitted	Sent to the provider and awaiting their first response
Pending review	The provider has the application and is reviewing it
More information required	The provider has asked for further details before deciding
Approved	The provider approved the application and an account was issued
Rejected	The provider declined the application
Cancelled	Stopped before the provider reached a decision
Expired	Lapsed without a decision being reached

KYC verdict is shown separately from application status

An application's detail page also shows an identity verification verdict from the connected Identity Verification Provider. This is tracked independently of the application's own status — never verified (the customer hasn't been checked yet) and rejected (the check failed) are shown as distinct outcomes, since they mean different things: one is a gap to close, the other is a decision already made.

Row actions

Each row offers View and Audit as pinned actions, plus Correct/Override Status where you hold the required permission — see Correcting & Managing an Application.