{
  "schemaVersion": "1.0",
  "kind": "returnsplit_redacted_claim_audit_bundle",
  "generatedAt": "2026-09-04T22:23:50.534Z",
  "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-260903-031",
    "orderReference": "MM-18472",
    "status": "ready_for_approval",
    "receivedAt": "2026-09-03T09:42:00.000Z",
    "reason": {
      "code": "manufacturing_defect",
      "label": "Manufacturing defect"
    },
    "claimEvidenceSha256": "c3c509fa31a90eb7d04f04c162c80f427863e619178277d312455f871a3c3dbd",
    "returnedItems": [
      {
        "title": "Indigo handblock kurta",
        "quantity": 1,
        "matchConfidence": 0.99,
        "claimedTitleSha256": "c6accd0e36898a477cf1374fce27058aaa12d64ea588557e92f60af869e0c460",
        "evidenceSha256": "929a4d6804131fe7197c1d9e3ff28da5ab10c5bd92d4b6ffcfc9d56a91150aed"
      }
    ]
  },
  "review": {
    "state": "ready",
    "headline": "Seller-funded manufacturing defect",
    "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": "651c28f9fc20ba9d739a923c3a8b645095d7695fb9fb739f58961d0aa4cc022a",
    "calculationVersion": "returnsplit-paise-v2",
    "calculatedAt": "2026-09-03T10:32:00.000Z",
    "currency": "INR",
    "customerRefundPaise": 232854,
    "sellerFundedPaise": 197926,
    "marketplaceFundedPaise": 34928,
    "shippingRefundPaise": 0,
    "lineAllocations": [
      {
        "title": "Indigo handblock kurta",
        "quantity": 1,
        "grossPaise": 249900,
        "discountAllocationPaise": 17046,
        "customerRefundPaise": 232854
      }
    ],
    "sellerReversals": [
      {
        "sellerName": "Aavya Textiles",
        "amountPaise": 197926,
        "remainingReversiblePaise": 197926,
        "providerReference": "••••avya"
      }
    ],
    "paymentSnapshot": {
      "capturedAt": "2026-09-03T10:32:00.000Z",
      "capturedPaymentPaise": 419700,
      "previouslyRefundedPaise": 0,
      "remainingRefundablePaise": 419700
    }
  },
  "approval": null,
  "execution": {
    "provider": {
      "mode": "demo",
      "label": "Demo data - no Razorpay request",
      "isLive": false
    },
    "sagaId": null,
    "state": null,
    "createdAt": null,
    "updatedAt": null,
    "completedAt": null,
    "reversals": [],
    "refund": null,
    "events": []
  },
  "activity": [
    {
      "occurredAt": "2026-09-03T09:42:06.000Z",
      "actor": "ReturnSplit engine",
      "type": "calculation_created",
      "outcome": "info",
      "summary": "Calculated ₹2,328.54 customer refund with exact paise reconciliation",
      "requestId": "req_01J6R1A8P"
    }
  ],
  "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."
  ]
}