Speed
Fintech
Speed Cash Deposit Manager (CDM)
Automates Green Dot cash-deposit reconciliation, settlement tracking, and revenue reporting for finance teams.
Status
Live — in daily production use
Timeline
May 2026 fi Jul 2026 (»8 weeks)
Category
Internal financial operations dashboard / reconciliation SaaS
User
Finance ops, treasury, and admin teams at Speed
THE CHALLENGE
What existed before
Before CDM, Speed's finance team reconciled Green Dot cash deposits manually across three disconnected sources: raw webhook payloads, daily SFTP CSV reports, and bank Advice-of-Credit statements. Amounts differed by design — reports showed gross amounts, wallets showed gross - $4 SpeedFix fee, and bank credits arrived on a T+2 schedule that shifted around weekends and US bank holidays. Every mismatch became a spreadsheet investigation.
Who was affected
Finance operations (daily recon), treasury (payout visibility to Green Dot), leadership (revenue clarity), and support (customer deposit disputes).
Previous process
Google Sheets pivoting three CSV exports, manual date-shifting for weekends/holidays, ad-hoc SQL against production, and Slack threads to trace individual dp_* IDs.
Cost of the problem:
• 6–8 hours per week per analyst spent on manual reconciliation • Recurring $4-per-transaction ghost mismatches after the SpeedFix fee launched • Missed/late settlement records (e.g. Apr 14 batch, webhook dp_mprc60m3NePIg8pe) invisible until month-end
The solution
A unified reconciliation and settlement dashboard
CDM unifies every deposit signal — Green Dot webhooks, SFTP transmission reports, and bank settlement expectations — into one live dashboard. It auto-computes expected settlement dates using T+2 business-day logic that skips Saturdays, Sundays, and the full US bank holiday calendar, then flips each batch from "Unsettled" to "Settled" only after the 7 PM IST bank-credit cutoff. A dedicated Revenue view breaks down total earnings as Transaction Fee Revenue - Payable to Green Dot, and admin-only Settlement Reconciliation exposes daily/monthly history with weekend rollups. Role-based access, an alerts engine, and per-retailer/per-customer drill-downs round out the platform.
Key feature
Automated T+2 settlement engine
Skips weekends + US bank holidays, flips status at the 7 PM IST bank cutoff
Live reconciliation dashboard
Total Unsettled, Today's Settlement, and Next Settlement KPIs with expandable date-wise breakdowns
Revenue clarity
Total Earnings hero card computed as Fee Revenue - Payable to Green Dot, with monthly and custom-range filters
4 SpeedFix fee reconciliation
Automatically treats the $4 gap between reports and wallet as a match for transactions on/after 8 Jun 2026
Settlement history with weekend rollups
Fri+Sat+Sun batches collapse into a single Monday settlement row matching the Advice of Credit
Integrations & tech stack
The platform is built on a modern React + TypeScript frontend, a Lovable Cloud backend with Postgres and RLS, and edge functions for secure, advisory-locked operations.
Frontend
React 18, Vite 5, TypeScript 5, Tailwind, shadcn/ui, TanStack Query
Backend
Lovable Cloud (Postgres + RLS, Auth, Edge Functions) — dedicated edge functions for SFTP fetch, deposit ingestion, alerts scanning, and admin user management; admin-only route guards via a separate user_roles table
Integrations
Green Dot Webhooks, Green Dot SFTP transmission reports, Bank Advice-of-Credit
What's clever
One function drives every settlement date
Weekend/holiday-aware addBusinessDays utility drives every settlement date in the app — one function, zero drift
Grouped by batch, not transaction date
Settlement grouped by file_date (Green Dot's transmission batch), not individual txn date, so Fri–Sun rolls up correctl
A fee rule with a hard start date
$4 fee treated as a first-class reconciliation rule with a hard start date (8 Jun 2026) so historical rows stay clean