--- id: CAP-ACC-REC-003 title: Verify payouts using bank evidence feature: FEAT-ACC-REC-01 product_area: accounting module: reconciliation revision: 2 status: draft product_intent: confirmed implementation_evidence: inconsistent supersedes: - react-console acceptance inventory CAP-ACC-REC-002 (verify part) source_sha: services-accounting: f47cb263875bbc0c5640fba7dae6785ec32695f8 react-console: baf6dae382d6f41dce976c7f848667ccc37e076f intent_sources: - >- services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D6 (architecture §3.4 U1: bank verification only by evidence) - >- services-accounting:docs/reconciliation/architecture.md#14.1 Three separate facts on a payout (approved through ACCT-M8-plan D10 §4) purpose: Finance staff need an independent account of whether the bank agrees with a reported payout. outcomes: - Bank agreement comes from verification evidence rather than entry origin. - Verified accounting follows the posted bank day. - Disagreement remains visible as a warning. concepts: - CON-ACC-REC-001 - CON-ACC-REC-004 actors: - ACT-ACC-017 - ACT-ACC-018 surfaces: - console - api preconditions: [] postconditions: [] permissions: - key: accounting.payouts.verify where_checked: api scope: tenant - key: accounting.payouts.verify where_checked: console scope: tenant rules: - id: BR-CAP-ACC-REC-003-01 proved_by: [ATS-ACC-REC-003-01, TST-ACC-REC-025, TST-ACC-REC-057] statement: >- Verification requires bank evidence, a posted day, verified or mismatch outcome, the read version and a request key; the bank’s amount is optional. kind: validation enforced_at: - api - service must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/e2e/payouts.e2e.spec.js#refuses a verification without its evidence with 400 naming the field; services-accounting:modules/reconciliation/tests/e2e/payouts.e2e.spec.js#refuses a principal without accounting.payouts.verify with 403; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#answers the stored payout for the same key and request origin: 'services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D6 (architecture §3.4 U1)' - id: BR-CAP-ACC-REC-003-02 proved_by: [ATS-ACC-REC-003-02, ATS-ACC-REC-003-08, TST-ACC-REC-033, TST-ACC-REC-057, TST-ACC-REC-090] statement: >- Creation and correction leave bank verification unset; a verification supplies the status, verifier and verification time. kind: invariant enforced_at: - service - database must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/integration/db/payouts.table.integration.spec.js#refuses a verified payout without who verified it and when; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#records the verification, the bank’s posted date becoming the accounting date, and keeps the statement as evidence; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the bank posted date once the bank verified the payout; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the reported deposit date while the bank evidence is a mismatch; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the processor funding date when nothing was reported; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#keeps one evidence file when the statement is named again origin: 'services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D6 (architecture §3.4 U1)' - id: BR-CAP-ACC-REC-003-03 proved_by: [ATS-ACC-REC-003-02, ATS-ACC-REC-003-06, ATS-ACC-REC-003-08, TST-ACC-REC-033, TST-ACC-REC-057, TST-ACC-REC-090] statement: >- A verified payout uses the bank’s posted day for accounting, otherwise its reported day takes precedence over processor funding day, which can shift the payout’s period. kind: calculation enforced_at: - service - database must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the bank posted date once the bank verified the payout; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#records the verification, the bank’s posted date becoming the accounting date, and keeps the statement as evidence; services-accounting:modules/reconciliation/tests/integration/db/payouts.table.integration.spec.js#refuses a verified payout without who verified it and when; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the reported deposit date while the bank evidence is a mismatch; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the processor funding date when nothing was reported; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#keeps one evidence file when the statement is named again origin: >- services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D10 (plan approved 2026-10-22 10:40 ET; §2 scope); journey 0594 - id: BR-CAP-ACC-REC-003-04 proved_by: [ATS-ACC-REC-003-02, ATS-ACC-REC-003-08, TST-ACC-REC-033, TST-ACC-REC-057, TST-ACC-REC-090] statement: A successful verification retains its bank evidence without duplicating an already attached statement. kind: policy enforced_at: - service must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#keeps one evidence file when the statement is named again; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#records the verification, the bank’s posted date becoming the accounting date, and keeps the statement as evidence; services-accounting:modules/reconciliation/tests/integration/db/payouts.table.integration.spec.js#refuses a verified payout without who verified it and when; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the bank posted date once the bank verified the payout; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the reported deposit date while the bank evidence is a mismatch; services-accounting:modules/reconciliation/tests/unit/rules/payout-rules.spec.js#is the processor funding date when nothing was reported origin: none - id: BR-CAP-ACC-REC-003-05 proved_by: [ATS-ACC-REC-003-03, ATS-ACC-REC-003-06, ATS-ACC-REC-003-07, TST-ACC-REC-057] statement: >- Mismatch retains the reported accounting day and opens a single bank-mismatch warning, including the bank amount and difference when supplied; another open mismatch creates no second warning. kind: policy enforced_at: - service must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#says what the bank showed and by how much it differs, in the exception’s title and description (DEF-ACT-0593); services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#keeps the reported date as the accounting date of a mismatch and raises a bank-mismatch exception; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#raises no second exception for a second mismatch while the first is open; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#refuses a bank amount that contradicts the outcome (DEF-ACT-0593); services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#resolves the open mismatch when the bank’s evidence later verifies the payout origin: >- services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D6 (architecture §3.4 U10: exceptions come from detectors with dedupe keys) - id: BR-CAP-ACC-REC-003-06 proved_by: [ATS-ACC-REC-003-03, ATS-ACC-REC-003-06, ATS-ACC-REC-003-07, TST-ACC-REC-057] statement: Subsequent agreement with the bank closes the open mismatch warning and records the resolution. kind: lifecycle enforced_at: - service must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#resolves the open mismatch when the bank’s evidence later verifies the payout; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#keeps the reported date as the accounting date of a mismatch and raises a bank-mismatch exception; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#says what the bank showed and by how much it differs, in the exception’s title and description (DEF-ACT-0593); services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#raises no second exception for a second mismatch while the first is open; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#refuses a bank amount that contradicts the outcome (DEF-ACT-0593) origin: none - id: BR-CAP-ACC-REC-003-07 proved_by: [ATS-ACC-REC-003-03, ATS-ACC-REC-003-07, TST-ACC-REC-057] statement: >- The stated bank amount must agree with the outcome: unequal amounts cannot be verified and equal amounts cannot be marked mismatch. kind: validation enforced_at: - service must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#refuses a bank amount that contradicts the outcome (DEF-ACT-0593); services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#keeps the reported date as the accounting date of a mismatch and raises a bank-mismatch exception; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#says what the bank showed and by how much it differs, in the exception’s title and description (DEF-ACT-0593); services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#raises no second exception for a second mismatch while the first is open; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#resolves the open mismatch when the bank’s evidence later verifies the payout origin: none - id: BR-CAP-ACC-REC-003-08 proved_by: [ATS-ACC-REC-003-04, TST-ACC-REC-057] statement: Verification is unavailable once a finalized reconciliation holds the payout. kind: invariant enforced_at: - service must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#refuses a payout in a finalized reconciliation with payout-reconciled origin: >- services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D10 (§4: the architecture §6 invariants hold; INV-09) - id: BR-CAP-ACC-REC-003-09 proved_by: [ATS-ACC-REC-003-01, TST-ACC-REC-025, TST-ACC-REC-057] statement: >- Only the verify permission allows bank verification, and an identical keyed retry returns the recorded result. kind: permission enforced_at: - api must_prove: true provenance: test source: >- services-accounting:modules/reconciliation/tests/e2e/payouts.e2e.spec.js#refuses a principal without accounting.payouts.verify with 403; services-accounting:modules/reconciliation/tests/e2e/payouts.e2e.spec.js#refuses a verification without its evidence with 400 naming the field; services-accounting:modules/reconciliation/tests/integration/services/persistence/payouts.integration.spec.js#answers the stored payout for the same key and request origin: 'services-accounting:docs/milestones/plans/ACCT-M8-plan.md#D10 (§2: permissions)' - id: BR-CAP-ACC-REC-003-10 proved_by: [ATS-ACC-REC-003-05] statement: >- The console verification command omits evidence, posted day and outcome, so the live service rejects it without verifying the payout. kind: validation enforced_at: - console - api must_prove: true provenance: observed source: 'react-console:lib/accounting/reconciliation/client.ts:verifyBank' origin: none scenarios: - id: SC-CAP-ACC-REC-003-01 given: The reported day is September’s last day and the statement posts it on October’s first day. when: Verify bank agreement using the statement. then: The payout becomes verified and accounting moves to October. provenance: test source: >- services-accounting:modules/reconciliation/tests/e2e/payouts.e2e.spec.js#answers the payout verified, its accounting date the bank’s posted date - id: SC-CAP-ACC-REC-003-02 given: The statement shows unequal money. when: Record a mismatch and the bank amount. then: The warning describes the bank amount and its difference from the payout. provenance: test source: >- services-accounting:modules/reconciliation/tests/e2e/payouts.e2e.spec.js#answers a mismatch and raises a bank-mismatch exception about the payout edge_cases: [] constraints: [] depends_on: - CAP-ACC-REC-001 related: - CAP-ACC-REC-015 - CAP-ACC-REC-018 journeys: - JNY-ACC-REC-002 open_questions: [] evidence: - >- Examined supporting service material: payouts.routes.ts (verifyPayoutBank), payouts.schemas.ts (verifyPayoutBankRequestSchema), services/persistence/payouts.ts (verify region), bank-mismatch-exceptions.ts, services/rules/payout-rules.ts (accounting date); tests e2e/payouts.e2e.spec.js, integration payouts.integration.spec.js, unit/rules/payout-rules.spec.js, unit/exceptions/exception-titles.spec.js. - >- Examined supporting console material: lib/accounting/reconciliation/client.ts (payouts.verifyBank), store.tsx (verifyBank), client.test.ts, components/accounting/reconciliation/workspace/workspace.tsx (Mark Bank Verified); e2e/mock/accounting-reconciliation.mock.spec.ts; acceptance journey ACT-ACC-0594. controls: [TC-IAM-001, TC-IAM-002, TC-IAM-004, TC-IAM-005, TC-AZ-001, TC-AZ-002, TC-AZ-003, TC-AZ-004, TC-AZ-006, TC-TEN-001, TC-TEN-002, TC-TEN-003, TC-LOG-004, TC-PI-001, TC-PI-002, TC-PI-005] exercised_by: [FAS-ACC-REC-01-01, FAS-ACC-REC-01-04, FAS-ACC-REC-01-05] suites: [TST-ACC-REC-025, TST-ACC-REC-033, TST-ACC-REC-057, TST-ACC-REC-090] --- # Verify payouts using bank evidence ## Purpose Finance staff need an independent account of whether the bank agrees with a reported payout. ## How It Works A preparer supplies the statement evidence and bank-posted day to the service. Rhythm records agreement or creates an investigation warning for disagreement. Agreement can change which accounting period contains the payout. Finalization protects that bank context from subsequent verification. The current console sends insufficient information, so its button cannot complete the live workflow. ## Relationships Payout creation supplies the reported movement, exceptions retain disagreements and readiness uses the resulting bank standing.