{
  "schemaVersion": "1.0",
  "kind": "returnsplit_redacted_claim_audit_bundle",
  "generatedAt": "2026-09-04T22:34:45.989Z",
  "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-260903-038",
    "orderReference": "MM-18518",
    "status": "blocked",
    "receivedAt": "2026-09-03T09:12:00.000Z",
    "reason": {
      "code": "manufacturing_defect",
      "label": "Manufacturing defect"
    },
    "claimEvidenceSha256": "4f0653fde7b3416e82f5f8647cf74038d6b3e614048381a8fc1cad1349dcf360",
    "returnedItems": [
      {
        "title": "Speckled clay vase",
        "quantity": 1,
        "matchConfidence": 0.98,
        "claimedTitleSha256": "d93a4094353391888bfd8dedcdd91e99995d35d9e912606fbeb3cc933f90bf03",
        "evidenceSha256": "4f0653fde7b3416e82f5f8647cf74038d6b3e614048381a8fc1cad1349dcf360"
      }
    ]
  },
  "review": {
    "state": "blocked",
    "headline": "Transfer balance is insufficient",
    "liableParty": "seller",
    "requiresHumanApproval": true,
    "policyCitation": "Creo Market Returns v3.2 · §7.3",
    "flags": [
      {
        "code": "insufficient_reversible_balance",
        "label": "Approval blocked"
      }
    ]
  },
  "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": "e75063e065b81d4f072a02f7809e5c3c6529fd8c6043eec1fa013879af2e3c40",
    "calculationVersion": "returnsplit-paise-v2",
    "calculatedAt": "2026-09-03T09:20:00.000Z",
    "currency": "INR",
    "customerRefundPaise": 99900,
    "sellerFundedPaise": 84915,
    "marketplaceFundedPaise": 14985,
    "shippingRefundPaise": 0,
    "lineAllocations": [
      {
        "title": "Speckled clay vase",
        "quantity": 1,
        "grossPaise": 99900,
        "discountAllocationPaise": 0,
        "customerRefundPaise": 99900
      }
    ],
    "sellerReversals": [
      {
        "sellerName": "Mitti Studio",
        "amountPaise": 84915,
        "remainingReversiblePaise": 4915,
        "providerReference": "••••cked"
      }
    ],
    "paymentSnapshot": {
      "capturedAt": "2026-09-03T09:20:00.000Z",
      "capturedPaymentPaise": 99900,
      "previouslyRefundedPaise": 0,
      "remainingRefundablePaise": 99900
    }
  },
  "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": [],
  "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."
  ]
}