Commercial Treasury / Cash Management Portal — impact tolerance ≤ 2 hours — ITOL

Impact tolerance: ≤ 2 hours — during business hours (7am–7pm local), any client cannot initiate approved payments (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Commercial banking portal for wire initiation, ACH origination, account reporting, positive pay, and lockbox reconciliation.

Why it is designated: Corporate treasurers operate under tight liquidity and payment windows. Outage during month-end or quarter-end is particularly harmful. This is a top-3 retention driver for commercial deposits.