{
  "tool_id": "art-513-public-money-settlement-receipt",
  "note": "Vectors computed directly from the shipped kernel. Covers the fully reconciled single-rail case (PMR_RECONCILED with an itemised fee at par), the two-rails-settled double-count risk the node exists to surface, an attribution-unresolved shortfall where the declared revenue code is absent from the caller's own table, a rail whose declared finality basis is missing (PMR_FINALITY_UNDECIDABLE -- this kernel echoes the caller's declared basis and never classifies finality itself), and the empty-input edge case. Payer is a class plus an opaque reference in every vector; no name, account number or address appears anywhere.",
  "vectors": [
    {
      "name": "reconciled-single-rail-at-par",
      "description": "One settled rail, revenue code matched against the caller's table, fees itemised and credit at par: zero exceptions, PMR_RECONCILED.",
      "policy_parameters": {
        "payment_ref": "PMT-2026-0001-OPAQUE",
        "payer_class": "business",
        "declared_revenue_code": "REV-1200-CUSTOMS",
        "revenue_code_table": [
          {
            "code": "REV-1100-INCOME",
            "ministry": "Ministry of Finance"
          },
          {
            "code": "REV-1200-CUSTOMS",
            "ministry": "Ministry of Revenue and Customs"
          },
          {
            "code": "REV-1300-LICENCE",
            "ministry": "Ministry of Commerce"
          }
        ],
        "treasury_account_credited": "TSA-MAIN-001",
        "currency": "USD",
        "amount_collected": 1000,
        "fees": [
          {
            "type": "acquirer_fee",
            "amount": 2.5
          }
        ],
        "amount_credited": 997.5,
        "rails": [
          {
            "rail": "rtgs",
            "settlement_ref": "RTGS-REF-88431",
            "declared_finality_basis": "central_bank_settlement_finality_statute",
            "settled": true
          }
        ],
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z"
      },
      "output_payload": {
        "payment_ref": "PMT-2026-0001-OPAQUE",
        "payer_class": "business",
        "payer_class_valid": true,
        "declared_revenue_code": "REV-1200-CUSTOMS",
        "attribution_matched": true,
        "attributed_ministry": "Ministry of Revenue and Customs",
        "treasury_account_credited": "TSA-MAIN-001",
        "currency": "USD",
        "amount_collected": 1000,
        "fees": [
          {
            "type": "acquirer_fee",
            "amount": 2.5
          }
        ],
        "total_fees_itemised": 2.5,
        "amount_credited": 997.5,
        "expected_credit": 997.5,
        "at_par_discrepancy": 0,
        "at_par": true,
        "rails": [
          {
            "rail": "rtgs",
            "rail_valid": true,
            "settlement_ref": "RTGS-REF-88431",
            "declared_finality_basis": "central_bank_settlement_finality_statute",
            "settled": true
          }
        ],
        "single_settlement_status": "SINGLE",
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z",
        "reconciled": true,
        "exceptions": []
      },
      "golden_hash": "2616ecae20c7cc4699d96a6b81ca09b9e93e660e33744616d1338381adc993bb"
    },
    {
      "name": "double-count-risk-two-rails-settled",
      "description": "The same obligation reported settled on two declared rails: PMR_DOUBLE_COUNT_RISK, surfaced rather than netted away.",
      "policy_parameters": {
        "payment_ref": "PMT-2026-0002-OPAQUE",
        "payer_class": "citizen",
        "declared_revenue_code": "REV-1100-INCOME",
        "revenue_code_table": [
          {
            "code": "REV-1100-INCOME",
            "ministry": "Ministry of Finance"
          }
        ],
        "treasury_account_credited": "TSA-MAIN-001",
        "currency": "USD",
        "amount_collected": 450,
        "fees": [],
        "amount_credited": 450,
        "rails": [
          {
            "rail": "ach",
            "settlement_ref": "ACH-REF-20260702-01",
            "declared_finality_basis": "scheme_rulebook_irrevocability",
            "settled": true
          },
          {
            "rail": "card",
            "settlement_ref": "CARD-REF-20260702-77",
            "declared_finality_basis": "scheme_rulebook_irrevocability",
            "settled": true
          }
        ],
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z"
      },
      "output_payload": {
        "payment_ref": "PMT-2026-0002-OPAQUE",
        "payer_class": "citizen",
        "payer_class_valid": true,
        "declared_revenue_code": "REV-1100-INCOME",
        "attribution_matched": true,
        "attributed_ministry": "Ministry of Finance",
        "treasury_account_credited": "TSA-MAIN-001",
        "currency": "USD",
        "amount_collected": 450,
        "fees": [],
        "total_fees_itemised": 0,
        "amount_credited": 450,
        "expected_credit": 450,
        "at_par_discrepancy": 0,
        "at_par": true,
        "rails": [
          {
            "rail": "ach",
            "rail_valid": true,
            "settlement_ref": "ACH-REF-20260702-01",
            "declared_finality_basis": "scheme_rulebook_irrevocability",
            "settled": true
          },
          {
            "rail": "card",
            "rail_valid": true,
            "settlement_ref": "CARD-REF-20260702-77",
            "declared_finality_basis": "scheme_rulebook_irrevocability",
            "settled": true
          }
        ],
        "single_settlement_status": "DOUBLE_COUNT_RISK",
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z",
        "reconciled": false,
        "exceptions": [
          "MULTIPLE_RAILS_SETTLED"
        ]
      },
      "golden_hash": "d8f6785369eab9b25b7a3705040eef3ddf66bbc58979f8ada5c5893578f603b3"
    },
    {
      "name": "attribution-unresolved-and-shortfall",
      "description": "Declared revenue code absent from the caller's table and credit short of the fee-adjusted expectation: PMR_ATTRIBUTION_UNRESOLVED plus PMR_SHORTFALL.",
      "policy_parameters": {
        "payment_ref": "PMT-2026-0003-OPAQUE",
        "payer_class": "agency",
        "declared_revenue_code": "REV-9999-UNMAPPED",
        "revenue_code_table": [
          {
            "code": "REV-1100-INCOME",
            "ministry": "Ministry of Finance"
          },
          {
            "code": "REV-1200-CUSTOMS",
            "ministry": "Ministry of Revenue and Customs"
          }
        ],
        "treasury_account_credited": "TSA-MAIN-002",
        "currency": "USD",
        "amount_collected": 2000,
        "fees": [
          {
            "type": "acquirer_fee",
            "amount": 5
          },
          {
            "type": "platform_fee",
            "amount": 7.25
          }
        ],
        "amount_credited": 1975,
        "rails": [
          {
            "rail": "ach",
            "settlement_ref": "ACH-REF-20260703-09",
            "declared_finality_basis": "scheme_rulebook_irrevocability",
            "settled": true
          }
        ],
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z"
      },
      "output_payload": {
        "payment_ref": "PMT-2026-0003-OPAQUE",
        "payer_class": "agency",
        "payer_class_valid": true,
        "declared_revenue_code": "REV-9999-UNMAPPED",
        "attribution_matched": false,
        "attributed_ministry": null,
        "treasury_account_credited": "TSA-MAIN-002",
        "currency": "USD",
        "amount_collected": 2000,
        "fees": [
          {
            "type": "acquirer_fee",
            "amount": 5
          },
          {
            "type": "platform_fee",
            "amount": 7.25
          }
        ],
        "total_fees_itemised": 12.25,
        "amount_credited": 1975,
        "expected_credit": 1987.75,
        "at_par_discrepancy": -12.75,
        "at_par": false,
        "rails": [
          {
            "rail": "ach",
            "rail_valid": true,
            "settlement_ref": "ACH-REF-20260703-09",
            "declared_finality_basis": "scheme_rulebook_irrevocability",
            "settled": true
          }
        ],
        "single_settlement_status": "SINGLE",
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z",
        "reconciled": false,
        "exceptions": [
          "ATTRIBUTION_UNRESOLVED",
          "AMOUNT_CREDITED_SHORT_OF_EXPECTED"
        ]
      },
      "golden_hash": "1e835b649d1155e16f9d67b6d60c822a441332daf921c865dd0d7b524261c0f7"
    },
    {
      "name": "finality-undecidable-missing-declared-basis",
      "description": "A CBDC leg transcribed with no declared finality basis: PMR_FINALITY_UNDECIDABLE. The kernel echoes the caller's declared basis and never substitutes one of its own.",
      "policy_parameters": {
        "payment_ref": "PMT-2026-0004-OPAQUE",
        "payer_class": "citizen",
        "declared_revenue_code": "REV-1300-LICENCE",
        "revenue_code_table": [
          {
            "code": "REV-1300-LICENCE",
            "ministry": "Ministry of Commerce"
          }
        ],
        "treasury_account_credited": "TSA-MAIN-003",
        "currency": "USD",
        "amount_collected": 125.5,
        "fees": [],
        "amount_credited": 125.5,
        "rails": [
          {
            "rail": "cbdc",
            "settlement_ref": "CBDC-REF-20260704-12",
            "settled": true
          }
        ],
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z"
      },
      "output_payload": {
        "payment_ref": "PMT-2026-0004-OPAQUE",
        "payer_class": "citizen",
        "payer_class_valid": true,
        "declared_revenue_code": "REV-1300-LICENCE",
        "attribution_matched": true,
        "attributed_ministry": "Ministry of Commerce",
        "treasury_account_credited": "TSA-MAIN-003",
        "currency": "USD",
        "amount_collected": 125.5,
        "fees": [],
        "total_fees_itemised": 0,
        "amount_credited": 125.5,
        "expected_credit": 125.5,
        "at_par_discrepancy": 0,
        "at_par": true,
        "rails": [
          {
            "rail": "cbdc",
            "rail_valid": true,
            "settlement_ref": "CBDC-REF-20260704-12",
            "declared_finality_basis": null,
            "settled": true
          }
        ],
        "single_settlement_status": "SINGLE",
        "reconciliation_window": "2026-07-01/2026-07-31",
        "as_of": "2026-07-31T23:59:59Z",
        "reconciled": false,
        "exceptions": [
          "RAIL_FINALITY_BASIS_MISSING:cbdc"
        ]
      },
      "golden_hash": "860fbe0c4be9465b385639ea5ef56c370c09078b7655bb2e2f013fb2f08c811f"
    },
    {
      "name": "empty-input-unresolved",
      "description": "Empty input edge case: every absence is reported as an explicit exception, nothing defaults to a silent pass.",
      "policy_parameters": {},
      "output_payload": {
        "payment_ref": null,
        "payer_class": "unstated",
        "payer_class_valid": false,
        "declared_revenue_code": null,
        "attribution_matched": false,
        "attributed_ministry": null,
        "treasury_account_credited": null,
        "currency": null,
        "amount_collected": 0,
        "fees": [],
        "total_fees_itemised": 0,
        "amount_credited": 0,
        "expected_credit": 0,
        "at_par_discrepancy": 0,
        "at_par": true,
        "rails": [],
        "single_settlement_status": "UNRESOLVED",
        "reconciliation_window": null,
        "as_of": null,
        "reconciled": false,
        "exceptions": [
          "PAYMENT_REF_MISSING",
          "UNKNOWN_PAYER_CLASS",
          "DECLARED_REVENUE_CODE_MISSING",
          "REVENUE_CODE_TABLE_EMPTY",
          "ATTRIBUTION_UNRESOLVED",
          "TREASURY_ACCOUNT_CREDITED_MISSING",
          "CURRENCY_MISSING",
          "AMOUNT_COLLECTED_ZERO_OR_ABSENT",
          "AMOUNT_CREDITED_ZERO_OR_ABSENT",
          "NO_RAILS_DECLARED"
        ]
      },
      "golden_hash": "47fbdcddb0a33ebc78774a3b262a36d996d5deed145faca01572331e719289c9"
    }
  ]
}