1. Objective
This plan ensures the protection and continuity of ArosaPay's critical systems during disruptions. The objectives are:
- Protection of secured funds logic
- Continuity of transaction processing
- Preservation of ledger integrity
- Restoration of critical services
- Regulatory compliance during disruptions
Priority Order During Disruption
- Protect funds integrity
- Prevent unauthorized release
- Preserve ledger accuracy
- Restore service
- Resume payout
Funds safety always overrides speed of restoration.
2. Critical System Identification
Tier 1 — Mission Critical
- Transaction State Engine
- Secured Funds Ledger
- Release Logic
- Payout Orchestration
- Database Infrastructure
Tier 2 — Operational
- Merchant Dashboard
- Buyer Interface
- Reporting System
Tier 3 — Non-Critical
- Marketing site
- Analytics dashboards
3. Recovery Objectives
| Metric | Target |
|---|---|
| RTO (Recovery Time Objective) | 4 hours |
| RPO (Recovery Point Objective) | 15 minutes |
| Maximum Secured Funds Release Risk | 0 tolerance |
| Ledger Data Loss | 0 tolerance |
4. Incident Classification
- Severity 1 — Critical Infrastructure Failure
- Severity 2 — Partial Service Degradation
- Severity 3 — Non-Core Impact
- Severity 4 — Cosmetic
Severity 1 Examples
- Database corruption
- Funds release malfunction
- Security breach
- PSP reconciliation mismatch
5. Disaster Scenarios and Response
A. Cloud Provider Outage
Immediate actions:
- Halt payout execution
- Freeze release logic
- Activate failover region
- Verify ledger integrity before re-enabling release
Release resumes only after reconciliation validation.
B. Ledger Corruption Risk
Immediate actions:
- Suspend state transitions
- Lock payout engine
- Snapshot database
- Reconcile against PSP confirmations
- Restore from last verified checkpoint if necessary
Manual release prohibited during investigation.
C. PSP Outage
Actions:
- Suspend payout execution
- Continue accepting secured funds if possible
- Notify merchants
- Resume once PSP confirms operational stability
D. Security Breach
Actions:
- Isolate affected systems
- Rotate credentials
- Freeze release engine if funds integrity at risk
- Conduct forensic investigation
- Notify regulators if required
6. Backup Strategy
- Encrypted daily full backups
- Incremental backups every 15 minutes
- Stored in geographically separate region
- Access restricted to authorized personnel
Backups are tested quarterly.
7. Business Continuity Operations
If full system outage:
- Public status page updated
- Merchants notified
- Dispute timelines paused
- Inspection windows extended
- SLA credits evaluated
Priority: prevent wrongful release.
8. Communication Plan
Internal Escalation
- Engineering
- Compliance
- Executive team
External Notification
- Enterprise merchants
- PSP partners
- Regulators (if applicable)
- Customers (if required)
Communication timeline defined by incident severity.
9. Post-Incident Review
Within 5 business days:
- Root cause analysis
- Timeline reconstruction
- Control gap identification
- Remediation plan
- Board summary report
10. Annual Testing
BCDR testing conducted annually:
- Failover simulation
- Ledger recovery simulation
- Payout freeze test
- Incident response tabletop exercise
Results documented and reviewed.