{
  "reportVersion": "1.0.0",
  "snapshot": {
    "schemaVersion": "victoroff.reconstruct.synthetic.v1",
    "classification": "synthetic",
    "paymentId": "PAY-88219",
    "asOf": "2026-09-18T14:04:00Z",
    "version": "1.0.0"
  },
  "result": {
    "schemaVersion": "victoroff.reconstruct.synthetic.v1",
    "classification": "synthetic",
    "paymentId": "PAY-88219",
    "asOf": "2026-09-18T14:04:00Z",
    "status": "answered",
    "question": "Why is PAY-88219 on hold, and could the agent release it?",
    "answer": "No. The agent is not authorized to release PAY-88219. Its delegation allows inspection, recommendations and holds; release remains with the Finance Controller.",
    "state": "HOLD",
    "agentMayRelease": false,
    "authorityDecision": "DENIED",
    "findings": [
      {
        "label": "Recorded state",
        "detail": "PAY-88219 is recorded as HOLD as of 2026-09-18T14:04:00Z.",
        "sourceIds": [
          "EVT-102"
        ]
      },
      {
        "label": "Trigger and policy",
        "detail": "Changed bank details triggered the policy's independent verification and human approval requirements.",
        "sourceIds": [
          "EVT-101",
          "POL-009"
        ]
      },
      {
        "label": "Hold authority",
        "detail": "The recorded payment is within the agent's delegated hold action, amount limit and currency.",
        "sourceIds": [
          "EVT-101",
          "AGT-007",
          "AUTH-014"
        ]
      },
      {
        "label": "Release authority",
        "detail": "The agent's delegation excludes release. A tool that can release payments does not grant permission to use it.",
        "sourceIds": [
          "AGT-007",
          "AUTH-014"
        ]
      },
      {
        "label": "Bank evidence",
        "detail": "Independent bank verification is missing or not established for this payment.",
        "sourceIds": [
          "EVD-202",
          "POL-009"
        ]
      },
      {
        "label": "Human approval",
        "detail": "The required Finance Controller approval is not established for this payment.",
        "sourceIds": [
          "APR-031",
          "POL-009"
        ]
      },
      {
        "label": "Invoice evidence",
        "detail": "The invoice matches. That is separate from bank verification and release approval.",
        "sourceIds": [
          "EVD-201",
          "POL-009"
        ]
      }
    ],
    "sources": [
      {
        "id": "AUTH-014",
        "kind": "AUTHORITY",
        "title": "Bounded delegation · v3",
        "at": "2026-09-01T00:00:00Z",
        "origin": "Synthetic authority registry",
        "text": "Delegation v3 permits payment-review-agent to inspect, recommend and hold USD supplier payments up to USD 50,000. Release is not delegated. The Finance Controller must decide and execute release through the authorized payment process.",
        "facts": {
          "actor": "payment-review-agent",
          "actions": [
            "inspect",
            "recommend",
            "hold"
          ],
          "maxAmount": 50000,
          "currency": "USD",
          "validUntil": "2026-10-01T00:00:00Z",
          "revoked": false,
          "releaseRole": "Finance Controller"
        }
      },
      {
        "id": "AGT-007",
        "kind": "ACTOR",
        "title": "Payment Review Agent",
        "at": "2026-09-18T14:00:01Z",
        "origin": "Synthetic actor registry",
        "text": "Payment Review Agent may inspect payment evidence, recommend an outcome and place a hold. Its connected payment tool supports release, but tool capability is not delegated authority.",
        "facts": {
          "actor": "payment-review-agent",
          "capabilities": [
            "inspect",
            "hold",
            "recommend",
            "release"
          ],
          "authorityId": "AUTH-014"
        }
      },
      {
        "id": "EVT-102",
        "kind": "RESULTING STATE",
        "title": "Hold recorded",
        "at": "2026-09-18T14:03:00Z",
        "origin": "Synthetic payment event log",
        "text": "Payment Review Agent moved PAY-88219 from REVIEW to HOLD, citing POL-009, EVD-202 and APR-031. No later payment event exists in this fixture.",
        "facts": {
          "paymentId": "PAY-88219",
          "actor": "payment-review-agent",
          "previousState": "REVIEW",
          "state": "HOLD",
          "references": [
            "POL-009",
            "EVD-202",
            "APR-031"
          ]
        }
      },
      {
        "id": "EVD-201",
        "kind": "EVIDENCE",
        "title": "Invoice matched",
        "at": "2026-09-18T14:01:00Z",
        "origin": "Synthetic invoice register",
        "text": "The invoice and purchase order match for PAY-88219. This confirms the invoice match only; it does not verify the changed bank details.",
        "facts": {
          "paymentId": "PAY-88219",
          "invoiceMatched": true
        }
      },
      {
        "id": "POL-009",
        "kind": "POLICY",
        "title": "Changed bank details · v2",
        "at": "2026-09-01T00:00:00Z",
        "origin": "Synthetic policy library",
        "text": "When supplier bank details change, keep the payment on HOLD until independent bank verification and Finance Controller approval refer to this payment. Invoice matching alone does not satisfy either condition.",
        "facts": {
          "bankVerificationRequired": true,
          "approvalRequired": true,
          "approvalRole": "Finance Controller",
          "validUntil": "2026-10-01T00:00:00Z"
        }
      },
      {
        "id": "EVD-202",
        "kind": "EVIDENCE",
        "title": "Bank verification missing",
        "at": "2026-09-18T14:01:30Z",
        "origin": "Synthetic verification register",
        "text": "Independent verification of the changed supplier bank details is not present in this snapshot for PAY-88219.",
        "facts": {
          "paymentId": "PAY-88219",
          "bankVerified": false
        }
      },
      {
        "id": "EVT-101",
        "kind": "TRIGGER",
        "title": "Payment submitted",
        "at": "2026-09-18T14:00:00Z",
        "origin": "Synthetic payment ledger",
        "text": "PAY-88219 entered review for USD 48,500. The supplier's bank details changed since the previous payment.",
        "facts": {
          "paymentId": "PAY-88219",
          "amount": 48500,
          "currency": "USD",
          "bankChanged": true
        }
      },
      {
        "id": "APR-031",
        "kind": "HUMAN APPROVAL",
        "title": "Controller decision pending",
        "at": "2026-09-18T14:02:00Z",
        "origin": "Synthetic approval register",
        "text": "Finance Controller review was requested for PAY-88219. No approval decision has been recorded as of this snapshot.",
        "facts": {
          "paymentId": "PAY-88219",
          "role": "Finance Controller",
          "approved": false
        }
      }
    ],
    "chain": [
      {
        "kind": "TRIGGER",
        "records": [
          {
            "id": "EVT-101",
            "kind": "TRIGGER",
            "title": "Payment submitted",
            "at": "2026-09-18T14:00:00Z",
            "origin": "Synthetic payment ledger",
            "text": "PAY-88219 entered review for USD 48,500. The supplier's bank details changed since the previous payment.",
            "facts": {
              "paymentId": "PAY-88219",
              "amount": 48500,
              "currency": "USD",
              "bankChanged": true
            }
          }
        ]
      },
      {
        "kind": "ACTOR",
        "records": [
          {
            "id": "AGT-007",
            "kind": "ACTOR",
            "title": "Payment Review Agent",
            "at": "2026-09-18T14:00:01Z",
            "origin": "Synthetic actor registry",
            "text": "Payment Review Agent may inspect payment evidence, recommend an outcome and place a hold. Its connected payment tool supports release, but tool capability is not delegated authority.",
            "facts": {
              "actor": "payment-review-agent",
              "capabilities": [
                "inspect",
                "hold",
                "recommend",
                "release"
              ],
              "authorityId": "AUTH-014"
            }
          }
        ]
      },
      {
        "kind": "AUTHORITY",
        "records": [
          {
            "id": "AUTH-014",
            "kind": "AUTHORITY",
            "title": "Bounded delegation · v3",
            "at": "2026-09-01T00:00:00Z",
            "origin": "Synthetic authority registry",
            "text": "Delegation v3 permits payment-review-agent to inspect, recommend and hold USD supplier payments up to USD 50,000. Release is not delegated. The Finance Controller must decide and execute release through the authorized payment process.",
            "facts": {
              "actor": "payment-review-agent",
              "actions": [
                "inspect",
                "recommend",
                "hold"
              ],
              "maxAmount": 50000,
              "currency": "USD",
              "validUntil": "2026-10-01T00:00:00Z",
              "revoked": false,
              "releaseRole": "Finance Controller"
            }
          }
        ]
      },
      {
        "kind": "POLICY",
        "records": [
          {
            "id": "POL-009",
            "kind": "POLICY",
            "title": "Changed bank details · v2",
            "at": "2026-09-01T00:00:00Z",
            "origin": "Synthetic policy library",
            "text": "When supplier bank details change, keep the payment on HOLD until independent bank verification and Finance Controller approval refer to this payment. Invoice matching alone does not satisfy either condition.",
            "facts": {
              "bankVerificationRequired": true,
              "approvalRequired": true,
              "approvalRole": "Finance Controller",
              "validUntil": "2026-10-01T00:00:00Z"
            }
          }
        ]
      },
      {
        "kind": "EVIDENCE",
        "records": [
          {
            "id": "EVD-201",
            "kind": "EVIDENCE",
            "title": "Invoice matched",
            "at": "2026-09-18T14:01:00Z",
            "origin": "Synthetic invoice register",
            "text": "The invoice and purchase order match for PAY-88219. This confirms the invoice match only; it does not verify the changed bank details.",
            "facts": {
              "paymentId": "PAY-88219",
              "invoiceMatched": true
            }
          },
          {
            "id": "EVD-202",
            "kind": "EVIDENCE",
            "title": "Bank verification missing",
            "at": "2026-09-18T14:01:30Z",
            "origin": "Synthetic verification register",
            "text": "Independent verification of the changed supplier bank details is not present in this snapshot for PAY-88219.",
            "facts": {
              "paymentId": "PAY-88219",
              "bankVerified": false
            }
          }
        ]
      },
      {
        "kind": "HUMAN APPROVAL",
        "records": [
          {
            "id": "APR-031",
            "kind": "HUMAN APPROVAL",
            "title": "Controller decision pending",
            "at": "2026-09-18T14:02:00Z",
            "origin": "Synthetic approval register",
            "text": "Finance Controller review was requested for PAY-88219. No approval decision has been recorded as of this snapshot.",
            "facts": {
              "paymentId": "PAY-88219",
              "role": "Finance Controller",
              "approved": false
            }
          }
        ]
      },
      {
        "kind": "RESULTING STATE",
        "records": [
          {
            "id": "EVT-102",
            "kind": "RESULTING STATE",
            "title": "Hold recorded",
            "at": "2026-09-18T14:03:00Z",
            "origin": "Synthetic payment event log",
            "text": "Payment Review Agent moved PAY-88219 from REVIEW to HOLD, citing POL-009, EVD-202 and APR-031. No later payment event exists in this fixture.",
            "facts": {
              "paymentId": "PAY-88219",
              "actor": "payment-review-agent",
              "previousState": "REVIEW",
              "state": "HOLD",
              "references": [
                "POL-009",
                "EVD-202",
                "APR-031"
              ]
            }
          }
        ]
      }
    ]
  },
  "records": [
    {
      "id": "EVT-101",
      "kind": "TRIGGER",
      "title": "Payment submitted",
      "at": "2026-09-18T14:00:00Z",
      "origin": "Synthetic payment ledger",
      "text": "PAY-88219 entered review for USD 48,500. The supplier's bank details changed since the previous payment.",
      "facts": {
        "paymentId": "PAY-88219",
        "amount": 48500,
        "currency": "USD",
        "bankChanged": true
      }
    },
    {
      "id": "AGT-007",
      "kind": "ACTOR",
      "title": "Payment Review Agent",
      "at": "2026-09-18T14:00:01Z",
      "origin": "Synthetic actor registry",
      "text": "Payment Review Agent may inspect payment evidence, recommend an outcome and place a hold. Its connected payment tool supports release, but tool capability is not delegated authority.",
      "facts": {
        "actor": "payment-review-agent",
        "capabilities": [
          "inspect",
          "hold",
          "recommend",
          "release"
        ],
        "authorityId": "AUTH-014"
      }
    },
    {
      "id": "AUTH-014",
      "kind": "AUTHORITY",
      "title": "Bounded delegation · v3",
      "at": "2026-09-01T00:00:00Z",
      "origin": "Synthetic authority registry",
      "text": "Delegation v3 permits payment-review-agent to inspect, recommend and hold USD supplier payments up to USD 50,000. Release is not delegated. The Finance Controller must decide and execute release through the authorized payment process.",
      "facts": {
        "actor": "payment-review-agent",
        "actions": [
          "inspect",
          "recommend",
          "hold"
        ],
        "maxAmount": 50000,
        "currency": "USD",
        "validUntil": "2026-10-01T00:00:00Z",
        "revoked": false,
        "releaseRole": "Finance Controller"
      }
    },
    {
      "id": "POL-009",
      "kind": "POLICY",
      "title": "Changed bank details · v2",
      "at": "2026-09-01T00:00:00Z",
      "origin": "Synthetic policy library",
      "text": "When supplier bank details change, keep the payment on HOLD until independent bank verification and Finance Controller approval refer to this payment. Invoice matching alone does not satisfy either condition.",
      "facts": {
        "bankVerificationRequired": true,
        "approvalRequired": true,
        "approvalRole": "Finance Controller",
        "validUntil": "2026-10-01T00:00:00Z"
      }
    },
    {
      "id": "EVD-201",
      "kind": "EVIDENCE",
      "title": "Invoice matched",
      "at": "2026-09-18T14:01:00Z",
      "origin": "Synthetic invoice register",
      "text": "The invoice and purchase order match for PAY-88219. This confirms the invoice match only; it does not verify the changed bank details.",
      "facts": {
        "paymentId": "PAY-88219",
        "invoiceMatched": true
      }
    },
    {
      "id": "EVD-202",
      "kind": "EVIDENCE",
      "title": "Bank verification missing",
      "at": "2026-09-18T14:01:30Z",
      "origin": "Synthetic verification register",
      "text": "Independent verification of the changed supplier bank details is not present in this snapshot for PAY-88219.",
      "facts": {
        "paymentId": "PAY-88219",
        "bankVerified": false
      }
    },
    {
      "id": "APR-031",
      "kind": "HUMAN APPROVAL",
      "title": "Controller decision pending",
      "at": "2026-09-18T14:02:00Z",
      "origin": "Synthetic approval register",
      "text": "Finance Controller review was requested for PAY-88219. No approval decision has been recorded as of this snapshot.",
      "facts": {
        "paymentId": "PAY-88219",
        "role": "Finance Controller",
        "approved": false
      }
    },
    {
      "id": "EVT-102",
      "kind": "RESULTING STATE",
      "title": "Hold recorded",
      "at": "2026-09-18T14:03:00Z",
      "origin": "Synthetic payment event log",
      "text": "Payment Review Agent moved PAY-88219 from REVIEW to HOLD, citing POL-009, EVD-202 and APR-031. No later payment event exists in this fixture.",
      "facts": {
        "paymentId": "PAY-88219",
        "actor": "payment-review-agent",
        "previousState": "REVIEW",
        "state": "HOLD",
        "references": [
          "POL-009",
          "EVD-202",
          "APR-031"
        ]
      }
    }
  ]
}