Data Model - Money

Money Overview

The Money data model defines the structure for currency and amount information in payment transactions. This model encapsulates currency specifications, transaction amounts, and settlement amounts across different currencies and regions.

Data Model Structure

Parameter	Type	Description
currency	String	ISO 4217 currency code specification Format: Three-letter currency code Usage: Identifies the currency for transaction processing and settlement Examples: IDR, THB, BRL, INR, PHP, USDT, BTC
amount	Number	Transaction amount in smallest currency unit Format: Numeric value (integer or decimal) Usage: Primary transaction amount for payment processing Examples: 10000, 500.00, 200.1234
payAmount	Number	Actual settlement amount (may differ from transaction amount) Format: Numeric value (integer or decimal) Usage: Final amount to be settled, used for reconciliation Examples: 10000, 500.00, 200.1234

Currency Format Specifications

Fiat Currencies

Currency	Code	Format	Example	Description
Indonesian Rupiah	IDR	#	10000	Integer format, no decimal places
Thai Baht	THB	#.##	500.00	Two decimal places
Brazilian Real	BRL	#.##	10000.00	Two decimal places
Indian Rupee	INR	#.##	10000.00	Two decimal places
Philippine Peso	PHP	#.##	10000.00	Two decimal places
Mexican Peso	MXN	#.##	500.00	Two decimal places
Peruvian Sol	PEN	#.##	200.00	Two decimal places
Colombian Peso	COP	#.##	50000.00	Two decimal places
Chilean Peso	CLP	#	50000	Integer format, no decimal places

Cryptocurrencies

Currency	Code	Format	Example	Description
Tether USD	USDT	#.####	200.0000	Four decimal places for precision
Bitcoin	BTC	#.####	0.0001	Four decimal places for precision
Ethereum	ETH	#.####	1.5000	Four decimal places for precision
TRON	TRX	#.####	1000.0000	Four decimal places for precision
Binance Coin	BNB	#.####	5.0000	Four decimal places for precision

Implementation Examples

{
  "currency": "IDR",
  "amount": 10000
}

{
  "currency": "THB",
  "amount": 500.00
}

{
  "currency": "INR",
  "amount": 500.00
}

{
  "currency": "BRL",
  "amount": 500.00
}

{
  "currency": "MXN",
  "amount": 500.00
}

{
  "currency": "PEN",
  "amount": 200.00
}

{
  "currency": "COP",
  "amount": 50000.00
}

{
  "currency": "CLP",
  "amount": 50000
}

{
  "currency": "USDT",
  "amount": 200.0000
}

{
  "currency": "BTC",
  "amount": 0.0001
}

Amount Processing Guidelines

Precision Requirements

• Fiat Currencies: Follow local currency precision standards
• Cryptocurrencies: Use four decimal places for maximum precision
• Rounding: Apply appropriate rounding rules for each currency

Validation Rules

• Minimum Amount: Each currency has specific minimum transaction amounts
• Maximum Amount: Platform-specific limits apply to all currencies
• Format Validation: Amounts must match currency-specific format requirements

Settlement Processing

• Amount Reconciliation: Verify transaction amount matches settlement amount
• Currency Conversion: Handle cross-currency transactions appropriately
• Fee Calculation: Apply transaction fees based on currency and amount

Security and Compliance

Amount Validation

• Range Checking: Validate amounts against minimum and maximum limits
• Format Verification: Ensure amounts match currency format specifications
• Fraud Detection: Monitor for suspicious transaction patterns

Regulatory Compliance

• Local Regulations: Adhere to regional currency and transaction regulations
• Reporting Requirements: Maintain accurate records for regulatory reporting
• Audit Trail: Complete audit trail for all amount-related operations