{
  "schemaVersion": "1.0",
  "kind": "returnsplit_redacted_claim_audit_bundle",
  "generatedAt": "2026-09-04T22:46:04.848Z",
  "scope": "operator_export",
  "redaction": {
    "policy": "allowlist_v1",
    "omitted": [
      "customer contact details",
      "linked-account identifiers",
      "raw payment and transfer identifiers",
      "provider receipts and idempotency keys",
      "credentials and arbitrary provider metadata",
      "raw operations-case notes (redacted summaries and integrity hashes are retained)"
    ]
  },
  "claim": {
    "reference": "RET-260831-024",
    "orderReference": "MM-18394",
    "status": "completed",
    "receivedAt": "2026-08-31T06:02:00.000Z",
    "reason": {
      "code": "manufacturing_defect",
      "label": "Manufacturing defect"
    },
    "claimEvidenceSha256": "d8fe6d06e3f8cd08e67c44f49a789af64dd0177556e8815cbe85bc4e9166c462",
    "returnedItems": [
      {
        "title": "Canvas market tote",
        "quantity": 1,
        "matchConfidence": 0.98,
        "claimedTitleSha256": "25b1dd7b27fc9d920b80ffe9f4d54a658262adf0e63ed061ae14cd01c3734643",
        "evidenceSha256": "d8fe6d06e3f8cd08e67c44f49a789af64dd0177556e8815cbe85bc4e9166c462"
      }
    ]
  },
  "review": {
    "state": "completed",
    "headline": "Refund completed",
    "liableParty": "seller",
    "requiresHumanApproval": true,
    "policyCitation": "Creo Market Returns v3.2 · §7.3",
    "flags": []
  },
  "policy": {
    "id": "policy_creo_supplier_v3_2",
    "name": "Creo Market Returns",
    "version": "3.2",
    "citation": "Creo Market Returns v3.2 · §7.3",
    "effectiveFrom": "2026-07-01",
    "effectiveTo": null,
    "rules": {
      "marketplaceCommissionBps": 1500,
      "sellerLiableReasons": [
        "manufacturing_defect",
        "wrong_item",
        "not_as_described"
      ],
      "refundOutboundShippingOnPartialReturn": false,
      "refundOutboundShippingOnFullReturn": true,
      "customerRemorseRefundable": false
    }
  },
  "decision": {
    "planFingerprint": "52ab07adcc8b1456e7049ba7c9728b683cf91cad2006fea99d5d5d1328b8d4de",
    "calculationVersion": "returnsplit-paise-v2",
    "calculatedAt": "2026-08-31T06:18:00.000Z",
    "currency": "INR",
    "customerRefundPaise": 149900,
    "sellerFundedPaise": 127415,
    "marketplaceFundedPaise": 22485,
    "shippingRefundPaise": 0,
    "lineAllocations": [
      {
        "title": "Canvas market tote",
        "quantity": 1,
        "grossPaise": 159900,
        "discountAllocationPaise": 10000,
        "customerRefundPaise": 149900
      }
    ],
    "sellerReversals": [
      {
        "sellerName": "Field Notes",
        "amountPaise": 127415,
        "remainingReversiblePaise": 127415,
        "providerReference": "••••eted"
      }
    ],
    "paymentSnapshot": {
      "capturedAt": "2026-08-31T06:18:00.000Z",
      "capturedPaymentPaise": 149900,
      "previouslyRefundedPaise": 0,
      "remainingRefundablePaise": 149900
    }
  },
  "approval": {
    "actor": "Neha Kapoor",
    "approvedAt": "2026-08-31T06:20:00.000Z",
    "requestId": "req_01J6K2F8S",
    "isOverride": false
  },
  "execution": {
    "provider": {
      "mode": "demo",
      "label": "Demo data - no Razorpay request",
      "isLive": false
    },
    "sagaId": "saga_RET-260831-024",
    "state": "completed",
    "createdAt": null,
    "updatedAt": "2026-08-31T06:20:04.000Z",
    "completedAt": "2026-08-31T06:20:04.000Z",
    "reversals": [],
    "refund": null,
    "events": []
  },
  "activity": [
    {
      "occurredAt": "2026-08-31T06:20:02.000Z",
      "actor": "ReturnSplit executor",
      "type": "transfer_reversed",
      "outcome": "success",
      "summary": "Seller transfer reversal confirmed before customer refund",
      "requestId": "req_01J6K2F8S"
    },
    {
      "occurredAt": "2026-08-31T06:20:04.000Z",
      "actor": "ReturnSplit executor",
      "type": "refund_created",
      "outcome": "success",
      "summary": "Refunded ₹1,499.00 after the required reversal succeeded",
      "requestId": "req_01J6K2F8S"
    },
    {
      "occurredAt": "2026-08-31T06:20:07.000Z",
      "actor": "Webhook ingest",
      "type": "duplicate_event_ignored",
      "outcome": "info",
      "summary": "Ignored duplicate refund.processed webhook",
      "requestId": "req_01J6K2GCQ"
    }
  ],
  "operationsCases": [],
  "escalation": null,
  "limitations": [
    "This export is generated from process-local prototype state and is not a durable audit record.",
    "Provider references are masked and customer contact data is omitted.",
    "Simulation records are not evidence of a Razorpay Test Mode transaction."
  ]
}