Sending to a recipient who isn't enrolled yet (UC-2b). The sender's funds stay in their account, marked pending, until the recipient claims via an invite. The pending payment resolves to one of three terminal states: claimed, expired (money returned), or cancelled.
Sender side
1 · Not enrolled
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Pay a person
jordan@email.com
Not on Harbor yet
We'll invite them to claim the money
Expires if unclaimed in 14 days
Continue to amount
2 · Sent · pending
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Invite sent
Jordan gets an email + text
Money stays in your account until claimed
Done
3 · In your activity
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Pending payments
To JordanSent todaypending
Actions
Resend invite
Cancel & reclaim
Cancel anytime before it's claimed
Recipient side — claims via the invite link
4 · Recipient: you've got money
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Someone sent you moneyFrom a Harbor customer
Claim money
5 · Choose how
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Where to deposit
To my existing bankLink an account
Open a Harbor accountGet it instantly
Either way needs identity verification
6 · Claimed
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Money on its wayDeposited to your account
Sender sees status update to claimed
Done
Terminal states
Claimed
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Jordan claimed itFunds debited from your account
View receipt
Expired
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Invite expiredNot claimed within 14 days
Money returned to you
Send again
Cancelled
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Payment cancelledYou reclaimed before it was claimed