{
  "schemaVersion": "1.0",
  "kind": "returnsplit_redacted_claim_audit_bundle",
  "generatedAt": "2026-09-04T22:36:28.796Z",
  "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-260903-041",
    "orderReference": "MM-18527",
    "status": "processing",
    "receivedAt": "2026-09-03T10:03:00.000Z",
    "reason": {
      "code": "manufacturing_defect",
      "label": "Manufacturing defect"
    },
    "claimEvidenceSha256": "0a34e5449baff0211541864a683d7bbb5e1916f269d812faa0b81dd6a632763c",
    "returnedItems": [
      {
        "title": "Handwoven cotton scarf",
        "quantity": 1,
        "matchConfidence": 0.98,
        "claimedTitleSha256": "b3a08d09dd8c8fc3f6ce79603d74752d76f199e70dc87b46e692cf660751eb66",
        "evidenceSha256": "0a34e5449baff0211541864a683d7bbb5e1916f269d812faa0b81dd6a632763c"
      },
      {
        "title": "Mini canvas sling",
        "quantity": 1,
        "matchConfidence": 0.98,
        "claimedTitleSha256": "b7b42eee841befee66682f32aa4a29781531d72e6959a30b9fb83bf5438b6342",
        "evidenceSha256": "0a34e5449baff0211541864a683d7bbb5e1916f269d812faa0b81dd6a632763c"
      }
    ]
  },
  "review": {
    "state": "processing",
    "headline": "One reversal needs a safe retry",
    "liableParty": "seller",
    "requiresHumanApproval": true,
    "policyCitation": "Creo Market Returns v3.2 · §7.3",
    "flags": [
      {
        "code": "provider_failure",
        "label": "Partial execution"
      }
    ]
  },
  "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": "ee9cb7136660ea4090316fad6cace49784a7335e5181ee3e7e5caa7398b8dc60",
    "calculationVersion": "returnsplit-paise-v2",
    "calculatedAt": "2026-09-03T10:29:00.000Z",
    "currency": "INR",
    "customerRefundPaise": 219800,
    "sellerFundedPaise": 186830,
    "marketplaceFundedPaise": 32970,
    "shippingRefundPaise": 0,
    "lineAllocations": [
      {
        "title": "Handwoven cotton scarf",
        "quantity": 1,
        "grossPaise": 119900,
        "discountAllocationPaise": 0,
        "customerRefundPaise": 119900
      },
      {
        "title": "Mini canvas sling",
        "quantity": 1,
        "grossPaise": 99900,
        "discountAllocationPaise": 0,
        "customerRefundPaise": 99900
      }
    ],
    "sellerReversals": [
      {
        "sellerName": "Aavya Textiles",
        "amountPaise": 101915,
        "remainingReversiblePaise": 101915,
        "providerReference": "••••ry_a"
      },
      {
        "sellerName": "Field Notes",
        "amountPaise": 84915,
        "remainingReversiblePaise": 84915,
        "providerReference": "••••ry_b"
      }
    ],
    "paymentSnapshot": {
      "capturedAt": "2026-09-03T10:29:00.000Z",
      "capturedPaymentPaise": 219800,
      "previouslyRefundedPaise": 0,
      "remainingRefundablePaise": 219800
    }
  },
  "approval": {
    "actor": "Neha Kapoor",
    "approvedAt": "2026-09-03T10:31:00.000Z",
    "requestId": "req_01J6R3M4T",
    "isOverride": false
  },
  "execution": {
    "provider": {
      "mode": "demo",
      "label": "Demo data - no Razorpay request",
      "isLive": false
    },
    "sagaId": "saga_RET-260903-041",
    "state": "failed",
    "createdAt": null,
    "updatedAt": null,
    "completedAt": null,
    "reversals": [],
    "refund": null,
    "events": []
  },
  "activity": [
    {
      "occurredAt": "2026-09-03T10:31:03.000Z",
      "actor": "ReturnSplit executor",
      "type": "transfer_reversed",
      "outcome": "success",
      "summary": "Reversed ₹1,019.15 from Aavya Textiles",
      "requestId": "req_01J6R3M4T"
    },
    {
      "occurredAt": "2026-09-03T10:31:04.000Z",
      "actor": "ReturnSplit executor",
      "type": "provider_failure",
      "outcome": "danger",
      "summary": "Field Notes reversal failed; refund remains unsent and retry is safe",
      "requestId": "req_01J6R3M4T"
    }
  ],
  "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."
  ]
}