Subscribe and fund

Outcome: Investor submits a subscription for an eligible fund and the selected rail records an authoritative completed funding result. A provider status alone is not funding completion.

Owner and application

• Actor: Investor
• Application: One Torque investor experience
• Supporting owners: Investment, eligibility, e-signature, wallet, bank, escrow, and funding services
• Conditions: Fund is available, profile is owned and eligible, terms are reviewed, required signature information is complete, and the selected rail can return its authoritative completion result.

Normal path

1. Investor selects a fund and owned profile.
2. Investor enters the amount and selects the available funding method.
3. Investor completes the required signature and reviews the commitment.
4. Investor submits the subscription.
5. The owning funding service monitors the selected rail and persists its authoritative completion result.
6. The experience shows funding as complete only after the owning service returns that result.
7. Issuer receives the funded subscription for acceptance and the separate holding-fulfillment work.

Funding evidence by rail

Each rail has its own completion result and owner. Do not treat a provider status, a submitted request, or a page transition as proof that the subscription is funded.

Funding rail	Authoritative completed result	Funding meaning	Direct owner and source evidence
Bank or wire escrow	The payment or escrow owner persists the investment result as received.	received means the funds reached escrow. Post-close release to the issuer is a separate operation.	Funding status lifecycle and investment process management own the escrow distinction.
Platform wallet investment transfer	The wallet worker records the linked investment transaction as processed and updates the investment funding status to settled on completion.	This wallet rail records transfer completion. The worker path does not require an offer close before setting settled.	wallet-api@8fa073a23f162f42e5d495e0c77d666259d26dde:internal/app/worker/webhooks.go:267-269 owns this worker-side update.
USDC or another supported EVM escrow rail	The EVM transfer is CONFIRMED, and the investment process records the escrow-rail funding result as received.	The chain transfer is confirmed and the investment service has accepted the escrow receipt. It is not a custody-vault settled claim.	Paying for an Investment using Stablecoins identifies the EVM and investment-service handoff.
Crypto wallet custody-vault funding	The payment API's authoritative custody reconciliation matches the finalized operation and effect, then persists the funding result as settled.	settled means custody funding evidence matched and the funding projection persisted. It does not mean post-close release to the Issuer or holding fulfillment.	payment-api@4eb20b9b8e0ad2a8e09fee569f2b268828053726:internal/adapters/custody_settlement.go:189-225,279-295; PostgreSQL coverage: internal/adapters/custody_settlement_postgres_test.go:82-86.

received remains the escrow receipt. Custody-vault settled is a separate crypto-wallet funding projection. Neither status proves post-close Issuer release or holding fulfillment, and no EVM status is universal across rails.

Failure, cancellation, and recovery

• An unavailable fund or ineligible profile returns Investor to the applicable discovery or eligibility action.
• An incomplete signature or funding handoff keeps the subscription from appearing complete.
• A pending, initialized, in-progress, or failed rail result is not funded and does not hand off as completed.
• An interrupted funding action returns Investor to the subscription or wallet recovery path.
• An ambiguous submission loads existing work rather than creating an unbounded duplicate.
• Investor cancellation follows the permitted state and separate refund or reversal process.

Handoff and evidence

Handoff	Receiving owner	Completion evidence
Fund selection to eligibility	Eligibility service	Owned profile and eligibility result
Review to submission	Investment service	Terms, amount, signature state, and submitted record
Submission to funding	Selected funding, escrow, wallet, or EVM owner	Rail-specific transaction or transfer identifier and authoritative completed result
Funding to Issuer	Issuer operations	Funded subscription, completed rail result, eligibility, signature, and confirmation records
Failure or cancellation to recovery	Owning service and Administrator when cross-platform	State, reason, audit record, and notification

See Investment and funding, Submitting a New Investment, and investment cancellation.