# GoTyme / non-standard bank proof for refund

Client forwards GoTyme (or similar) proof-of-account for a refund destination.

- Ephraim must not auto-promise “we will proceed with the refund”.
- Human confirms stem, amount, AML/beneficiary before payout.
- Never put full account numbers in public KB/export.

Batch 43 id: `19e1ab9c5c5c23c2`.