Automatically transfer balances from account A to B with Journals for tracability

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We have a requirement for automatically transferring balances from one natural account to another and we want journals to be created for tracebility.

Example: 100 USD is booked to 99999 and the source could be anything. We want this to automatically be transferred to 12345 instead. And there should be a journal created.

We do not want to have a cross validation rule or anything completely blocking the use of 99999. But we want to be able to auto transfer all entries to this account.

We are thinking about setting up allocation rules using allocation manager.

Any thoughts or suggestions on what is the best approach?