Commercial Cards V2 — issuer workspace

Commercial Cards V2 is Turtini's bank-grade issuer workspace for managed-card programs (federal GSA SmartPay GTC, fleet/fuel cards, corporate purchase cards, etc.). The /issuer surface gives bank operators 10 tabs: Cardholders, Policies, Submissions, Requests, Mass actions, Audit, Rule sets, Settlement, Fraud, Reports.

For program managers:
- Cardholders tab: searchable directory; click for a CSR 360 view with txns + status + alerts
- Policies tab: per-cardholder MCC/SIC limits, daily/cycle caps, geo restrictions
- Mass actions: bulk operations across a cardholder cohort (e.g., freeze all cards in a deactivated agency)

For Citi-Source equivalents:
- Rule sets tab: declarative rule editor for transaction approvals; versioned + auditable
- Audit tab: full chain of who-changed-what across rule sets

For settlement / accounting:
- Settlement tab: nightly settlement file ingest + reconciliation with breaks
- Fee events: every interchange / network / processor fee auto-posts to the bank's GL
- Funded accounts + funding transactions: corporate liability + individual liability rails
- Portfolio Financials: live P&L per program (interchange in, fees in, rebates out, losses)

The /vcard:token route lets a cardholder reveal their virtual card details via OTP-gated flow (PCI-compliant — card data never persists in their browser).