{"schema":"official-brain-node/v1","representation_revision":"OB-REP-20260906-V2","id":"doc.rcpay.rc3-va-account-link-user-guide-v3","type":"document","subtype":"user_guide","title":"RC 3.0 VA Account Link Read-Only Access Guide v3.0","aliases":["RC3.0 VA Account Link Guide","VA Account Link Read-Only Access Guide"],"language":"en","summary":"Official RC 3.0 user guide defining the read-only Virtual Account linking workflow, permissions, one-time security token, VA-owner approval, balance and monthly statement access, unlink behavior, security controls and FAQ.\n","body_markdown":"# RC 3.0 VA Account Link — Read-Only Access Guide v3.0\n\n## Canonical evidence extraction\n\nThe guide defines RC3.0 ↔ VA linking as **read-only** access.\n\nAllowed after successful linking:\n\n- view the linked VA account balance;\n- download monthly e-statements;\n- unlink according to the documented owner/request flow.\n\nDenied from the linked RC3.0 side:\n\n- deposits / top-ups;\n- fund transfers;\n- withdrawals;\n- account, KYC or bank-information modifications;\n- adding user access.\n\n## Linking workflow\n\n1. VA owner opens `VA Account Link` and obtains a Security Hash/token.\n2. The token is single-use and time-limited; the guide specifies 10–30 minutes.\n3. RC3.0 user pastes the token into the VA Account Link page and submits a link request.\n4. VA owner receives an approval email with request details and an expiry time.\n5. VA owner approves or rejects the request.\n6. On approval, the linked VA appears in RC3.0 as `Read-only`; balance and monthly statements are available.\n7. The VA owner can manage linked RC accounts and force unlink; an RC user can submit an unlink request.\n\n## Security / audit\n\nThe guide describes single-use tokens, time limitation and logging of key link-related actions. It recommends 2FA for high-value enterprise approval flows; that recommendation must not be represented as a universal mandatory control.\n\n## Embedded FAQ\n\nThe guide answers token expiry, multiple RC-account links, unlinking, read-only fund restrictions and confirmation of successful linking.","status":"active","published_at":"2026-09-06T12:05:36.068530+00:00","links":{"self":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.rc3-va-account-link-user-guide-v3?rev=OB-REP-20260906-V2","related":"https://brain-stage.rc365plc.com/v1/nodes/doc.rcpay.rc3-va-account-link-user-guide-v3/related?rev=OB-REP-20260906-V2"},"facts":[],"claims":[],"authority_bindings":[],"representation_profiles":[],"relationships":[{"id":"rel.doc-rcpay-rc3-va-link-guide.reports-on.link-capability","type":"reports_on","target":"capability.rc3-va-account-linking","target_url":"https://brain-stage.rc365plc.com/v1/nodes/capability.rc3-va-account-linking?rev=OB-REP-20260906-V2","semantic_class":"descriptive","knowledge_role":"relationship","issuer":null,"authority_binding_id":null,"authority_domain":null,"authority_policy_id":null,"applicability":{"qualifiers":{}},"change_reason":null,"asserted_at":null,"valid_from":null,"valid_until":null,"sources":["doc.rcpay.rc3-va-account-link-user-guide-v3"],"source_links":[{"id":"doc.rcpay.rc3-va-account-link-user-guide-v3","url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.rc3-va-account-link-user-guide-v3?rev=OB-REP-20260906-V2","source_record_url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.rc3-va-account-link-user-guide-v3?rev=OB-REP-20260906-V2"}],"evidence":[]}],"authority_resolution":{"claim_records":[],"relationship_records":[{"assertion_key":"relationship:doc.rcpay.rc3-va-account-link-user-guide-v3:reports_on:{}:capability.rc3-va-account-linking","assertion_kind":"relationship","resolver_version":"phase1-v4","policy_id":"default.relationship.multi","policy_version":"phase1-v1","status":"canonical","selected_assertion_ids":["rel.doc-rcpay-rc3-va-link-guide.reports-on.link-capability"],"competing_assertion_ids":[],"reason_codes":["SOLE_ELIGIBLE_ASSERTION"]}],"abstentions":[]},"sources":["doc.rcpay.rc3-va-account-link-user-guide-v3"],"source_links":[{"id":"doc.rcpay.rc3-va-account-link-user-guide-v3","url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.rc3-va-account-link-user-guide-v3?rev=OB-REP-20260906-V2","source_record_url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.rc3-va-account-link-user-guide-v3?rev=OB-REP-20260906-V2"}],"integrity":{"content_sha256":"44e08f92ffe4120bc4a385ed31260b1a98ed72e9cb34591192f73147a93b87fa","version_sha256":"71260b34e6e516c028af1cd51b6b68dd76a492be8d32c06e2c415386a131fdf8"},"source_metadata":{"source_kind":"other_official","source_language":"en","original_url":null,"resolved_url":null,"published_at":null,"retrieved_at":"2026-09-02T08:51:00+00:00","content_sha256":"16850449a4e25b68e93d563c9898f138d003cb7996684b6aa24325bf6e405e15","content_type":"application/pdf","content_length":504590,"http_status":null,"search_title":"RC 3.0 VA Account Link Read-Only Access Guide v3.0","canonical_summary":"Customer-facing evidence for the current RC3.0 to Virtual Account read-only linking capability and workflow.\n","keywords":["RC3.0","Virtual Account","account linking","read-only","security token","monthly statement","FAQ"]}}