@codespar/cli 0.13.0 → 0.14.0

package/templates/collections-agent/packages/agent-core/src/engine.ts

@@ -0,0 +1,784 @@
+/**
+ * Section 4.6: the model proposes, the code executes. The model's only way
+ * in is `draft()`, which creates an execution in `drafted` and nothing else.
+ * Every check that decides whether money moves lives here, in
+ * deterministic code: mandate status, allowlist, per-transaction and window
+ * caps, `escalate_above`, the approval artifact and its `items_hash`.
+ *
+ * The policy runs THREE times, not once: at draft, when a human approves,
+ * and immediately before `executing`, inside the same transaction that
+ * writes the outbox row. A list that changed after approval, a window that
+ * filled up between approval and execution, or a mandate revoked in the
+ * meantime is caught at the last gate, which is the only one that matters.
+ */
+import { checkApprovalArtifact, createApprovalArtifact, type ApprovalSigner } from "./approval.js";
+import type { ProofBundle } from "./bundle.js";
+import { evaluateEscalation, type Escalation } from "./escalate.js";
+import { CHARGE_CANCELLED, CHARGE_EXPIRED, CHARGE_PAID, PAYMENT_FAILED, PAYMENT_SUCCEEDED, type PublishedEvent } from "./events.js";
+import type { Guardrails } from "./guardrails.js";
+import { itemsHash, sha256Hex } from "./hash.js";
+import { newId } from "./ids.js";
+import { mandateExpired, payeeAllowed, resolveBeneficiary, windowCap, windowStart, type Mandate } from "./mandate.js";
+import type { Manifest } from "./manifest.js";
+import type { PaymentRail, RailPayment } from "./rail.js";
+import type { MandateStatusReport, MandateStatusSource } from "./revocation.js";
+import { isTerminal, transition, type Execution, type ExecutionState } from "./state-machine.js";
+import type { StateStore } from "./state/store.js";
+import type { Actor, ApprovalArtifact, ApprovalMode, ExecutionItem, ExecutionReason, ItemOutcome } from "./types.js";
+
+export interface ProposedItem {
+  /** An alias from the mandate's named payees, or a raw payee key. */
+  payee: string;
+  amount: number;
+  description?: string;
+  /** A receivable's due date, `YYYY-MM-DD`. */
+  due_date?: string;
+}
+
+export interface PolicyExtensionContext {
+  gate: "draft" | "approve" | "execute";
+  now: Date;
+  mode: ApprovalMode;
+  mandate: Mandate;
+  guardrails: Guardrails;
+}
+
+/**
+ * The kit's own deterministic check, run by the core at every gate after
+ * the mandate's (allowlist, caps, window). It can only refuse; it cannot
+ * widen anything. A collections agent uses it for its negotiation envelope.
+ */
+export type PolicyExtension = (execution: Execution, ctx: PolicyExtensionContext) => { reason: ExecutionReason; detail: string } | undefined;
+
+export interface Proposal {
+  items: ProposedItem[];
+  /** What the model said the total was. Recorded; never used to pay. */
+  claimed_total?: number;
+}
+
+export type DraftResult =
+  | { ok: true; execution: Execution }
+  | { ok: false; refused_before_draft: true; reason: ExecutionReason; message: string };
+
+export interface EngineDeps {
+  store: StateStore;
+  rail: PaymentRail;
+  status: MandateStatusSource;
+  signer: ApprovalSigner;
+  manifest: Manifest;
+  guardrails: Guardrails;
+  mandate: Mandate;
+  bundle: ProofBundle;
+  mode: ApprovalMode;
+  runId: string;
+  /** The person the agent acts for. */
+  onBehalfOf: string;
+  clock?: () => Date;
+  /** The kit's own envelope check, run at every gate after the mandate's. */
+  policyExtension?: PolicyExtension | undefined;
+}
+
+/** What the deterministic policy says about an execution at one of its three gates. */
+type Verdict =
+  | { kind: "ok" }
+  | { kind: "deny"; reason: ExecutionReason; detail: string }
+  | { kind: "block"; reason: ExecutionReason; detail: string }
+  | { kind: "escalate"; escalation: Escalation };
+
+type Gate = "draft" | "approve" | "execute";
+
+/** Open executions reserve the window: a cap is a ceiling on what may be committed, not a balance. */
+const WINDOW_STATES: ExecutionState[] = ["awaiting_approval", "approved", "executing", "settled"];
+
+export class ExecutionEngine {
+  readonly clock: () => Date;
+  readonly agentActor: Actor;
+
+  constructor(private readonly deps: EngineDeps) {
+    this.clock = deps.clock ?? (() => new Date());
+    this.agentActor = { type: "agent", agent: `${deps.manifest.name}@${deps.manifest.version}`, on_behalf_of: deps.onBehalfOf };
+  }
+
+  get mode(): ApprovalMode {
+    return this.deps.mode;
+  }
+
+  get mandate(): Mandate {
+    return this.deps.mandate;
+  }
+
+  // ---- the model's only entry point -------------------------------------
+
+  async draft(proposal: Proposal): Promise<DraftResult> {
+    const now = this.clock();
+    const gate = await this.mandateGate();
+    if (gate) {
+      this.record("execution.refused_before_draft", null, { reason: gate.reason, detail: gate.detail });
+      return { ok: false, refused_before_draft: true, reason: gate.reason, message: gate.detail };
+    }
+
+    const items = proposal.items.map((p) => this.resolveItem(p));
+    const total = items.reduce((sum, i) => sum + i.amount, 0);
+    const id = newId("exe");
+    const execution: Execution<"drafted"> = {
+      id,
+      run_id: this.deps.runId,
+      state: "drafted",
+      mode: this.deps.mode,
+      actor: this.agentActor,
+      items,
+      total,
+      currency: this.deps.mandate.currency,
+      ...(proposal.claimed_total !== undefined ? { model_claimed_total: proposal.claimed_total } : {}),
+      items_hash: itemsHash(items),
+      mandate: { id: this.deps.mandate.id, version: this.deps.mandate.version },
+      idempotency_key: `idk_${sha256Hex(`${this.deps.runId}:${id}`).slice(0, 32)}`,
+      blocking_reasons: [],
+      outcomes: [],
+      history: [],
+      created_at: now.toISOString(),
+      updated_at: now.toISOString(),
+    };
+    this.deps.store.saveExecution(execution);
+    this.record("execution.drafted", id, { items: execution.items, total, model_claimed_total: proposal.claimed_total ?? null, mode: this.deps.mode });
+
+    return { ok: true, execution: await this.evaluateDraft(execution) };
+  }
+
+  // ---- deterministic policy ---------------------------------------------
+
+  /**
+   * The one policy, run at every gate. `humanApproved` is true when a person
+   * already decided this execution: their decision satisfies `escalate_above`,
+   * and only that. Everything else — allowlist, caps, window — is the
+   * mandate's and no approval widens it.
+   */
+  private policy(execution: Execution, now: Date, gate: Gate, humanApproved: boolean): Verdict {
+    const { mandate, guardrails, manifest } = this.deps;
+
+    if (gate === "draft" && execution.model_claimed_total !== undefined && execution.model_claimed_total !== execution.total) {
+      const detail = `the model stated ${execution.model_claimed_total}; the core computed ${execution.total} and that is the only number that counts`;
+      if (guardrails.model_total_mismatch === "refuse") return { kind: "deny", reason: "model_total_mismatch", detail };
+      this.record("execution.model_total_ignored", execution.id, { detail });
+    }
+
+    const blocked = execution.items.filter((i) => !payeeAllowed(mandate, i.payee));
+    if (blocked.length > 0) {
+      const detail = `payee not named in the signed allowlist: ${blocked.map((i) => i.beneficiary).join(", ")}`;
+      // At draft in `human` the person is told; at any later gate, or in `mandate`, it is a refusal. escalate_above never widens the allowlist.
+      if (gate === "draft" && this.deps.mode === "human") return { kind: "block", reason: "beneficiary_not_allowed", detail };
+      return { kind: "deny", reason: "beneficiary_not_allowed", detail };
+    }
+
+    const over = execution.items.find((i) => i.amount > mandate.per_tx_cap_minor);
+    if (over) return { kind: "deny", reason: "per_tx_cap_exceeded", detail: `${over.beneficiary}: ${over.amount} is above the per-payment cap ${mandate.per_tx_cap_minor}` };
+
+    const committed = this.committedInWindow(now, execution.id);
+    if (committed + execution.total > windowCap(mandate)) {
+      return {
+        kind: "deny",
+        reason: "window_cap_exceeded",
+        detail: `${committed} already committed this ${mandate.periodic_cap?.window ?? "month"} (settled, in flight and awaiting a decision) plus ${execution.total} exceeds the cap ${windowCap(mandate)}`,
+      };
+    }
+
+    // The kit's envelope, at every gate: a person's yes does not widen it either.
+    const outside = this.deps.policyExtension?.(execution, { gate, now, mode: this.deps.mode, mandate, guardrails });
+    if (outside) return { kind: "deny", reason: outside.reason, detail: outside.detail };
+
+    if (this.deps.mode === "mandate" && !humanApproved) {
+      const escalation = evaluateEscalation(manifest.escalate_above, guardrails, execution.items, {
+        now,
+        timezone: guardrails.timezone,
+        knownPayees: this.knownPayees(),
+        recentByPayee: this.recentByPayee(now, execution.id),
+      });
+      if (escalation) {
+        if (escalation.trigger === "outside_hours" && guardrails.outside_hours_action === "refuse") return { kind: "deny", reason: "outside_hours", detail: escalation.detail };
+        return { kind: "escalate", escalation };
+      }
+    }
+
+    return { kind: "ok" };
+  }
+
+  private async evaluateDraft(execution: Execution<"drafted">): Promise<Execution> {
+    const now = this.clock();
+    const at = now.toISOString();
+    const gate = await this.mandateGate();
+    if (gate) return this.persist(transition(execution, gate.to, { at, actor: this.agentActor, reason: gate.reason, detail: gate.detail }));
+
+    const verdict = this.policy(execution, now, "draft", false);
+    switch (verdict.kind) {
+      case "deny":
+        return this.persist(transition(execution, "denied", { at, actor: this.agentActor, reason: verdict.reason, detail: verdict.detail }));
+      case "block":
+        return this.persist(transition({ ...execution, blocking_reasons: [verdict.reason] }, "awaiting_approval", { at, actor: this.agentActor, reason: verdict.reason, detail: verdict.detail }));
+      case "escalate":
+        return this.persist(transition({ ...execution, escalation: verdict.escalation }, "awaiting_approval", { at, actor: this.agentActor, reason: "escalated", detail: `${verdict.escalation.trigger}: ${verdict.escalation.detail}` }));
+      case "ok":
+        break;
+    }
+    if (this.deps.mode === "human") return this.persist(transition(execution, "awaiting_approval", { at, actor: this.agentActor }));
+
+    // The allowance covers it: the approver is the mandate, and the artifact says so.
+    const artifact = createApprovalArtifact(this.deps.signer, {
+      execution,
+      approver: { type: "mandate", id: this.deps.mandate.id },
+      actor: this.agentActor,
+      now,
+      ttlMs: this.deps.guardrails.approval_ttl_minutes * 60_000,
+    });
+    this.storeApproval(artifact);
+    return this.persist(transition({ ...execution, approval_id: artifact.approval_id }, "approved", { at, actor: this.agentActor, detail: "within the signed allowance" }));
+  }
+
+  // ---- the human's entry points -----------------------------------------
+
+  approve(executionId: string, approver: { id: string; channel: string }): Execution {
+    const execution = this.mustGet(executionId);
+    if (execution.state !== "awaiting_approval") throw new Error(`execution ${executionId} is ${execution.state}, not awaiting_approval`);
+    const now = this.clock();
+    const at = now.toISOString();
+    const humanActor: Actor = { type: "human", id: approver.id, channel: approver.channel };
+    const awaiting = execution as Execution<"awaiting_approval">;
+    if (execution.blocking_reasons.length > 0) {
+      const reason = execution.blocking_reasons[0] as ExecutionReason;
+      return this.persist(transition(awaiting, "denied", { at, actor: humanActor, reason, detail: `a human said yes, but ${reason} cannot be approved: the mandate does not authorize it` }));
+    }
+    // A yes does not skip the policy: the list may have changed since it was presented (4.2), or the window may have filled.
+    const verdict = this.policy(execution, now, "approve", true);
+    if (verdict.kind === "deny") return this.persist(transition(awaiting, "denied", { at, actor: humanActor, reason: verdict.reason, detail: `a human said yes, but ${verdict.detail}` }));
+
+    const artifact = createApprovalArtifact(this.deps.signer, {
+      execution,
+      approver: { type: "person", id: approver.id, channel: approver.channel },
+      actor: humanActor,
+      now,
+      ttlMs: this.deps.guardrails.approval_ttl_minutes * 60_000,
+      ...(execution.escalation ? { escalation: execution.escalation } : {}),
+    });
+    this.storeApproval(artifact);
+    return this.persist(transition({ ...awaiting, approval_id: artifact.approval_id }, "approved", { at, actor: humanActor }));
+  }
+
+  deny(executionId: string, approver: { id: string; channel: string }, detail = "denied by the approver"): Execution {
+    const execution = this.mustGet(executionId);
+    if (execution.state !== "awaiting_approval") throw new Error(`execution ${executionId} is ${execution.state}, not awaiting_approval`);
+    const humanActor: Actor = { type: "human", id: approver.id, channel: approver.channel };
+    return this.persist(transition(execution as Execution<"awaiting_approval">, "denied", { at: this.clock().toISOString(), actor: humanActor, reason: "denied_by_approver", detail }));
+  }
+
+  // ---- the only path to `executing` -------------------------------------
+
+  async execute(executionId: string): Promise<Execution> {
+    const execution = this.mustGet(executionId);
+    if (execution.state !== "approved") throw new Error(`execution ${executionId} is ${execution.state}, not approved`);
+    const now = this.clock();
+    const at = now.toISOString();
+    const approved = execution as Execution<"approved">;
+
+    // 4.7: the artifact may predate a revocation. Ask the source, every time.
+    const gate = await this.mandateGate();
+    if (gate) return this.persist(transition(approved, gate.to, { at, actor: this.agentActor, reason: gate.reason, detail: gate.detail }));
+
+    const artifact = execution.approval_id ? this.deps.store.getApproval(execution.approval_id) : undefined;
+    if (!artifact) throw new Error(`execution ${executionId} is approved without an approval artifact`);
+
+    // Everything below is one transaction: the last policy run, the artifact check, the outbox row and the state change land together or not at all.
+    const payments = this.paymentsFor(execution);
+    const decided = this.deps.store.transaction((): Execution => {
+      // The approval was given under one mandate; a re-signed one (new version) is a new authorization, and the person decides again under it.
+      const current = { id: this.deps.mandate.id, version: this.deps.mandate.version };
+      if (execution.mandate.id !== current.id || execution.mandate.version !== current.version) {
+        return this.persist(transition({ ...this.withoutApproval(approved), mandate: current }, "awaiting_approval", { at, actor: this.agentActor, reason: "mandate_changed", detail: `approved under mandate ${execution.mandate.id} v${execution.mandate.version}; the mandate is now ${current.id} v${current.version}` }));
+      }
+      // 4.2: recompute the hash of what is about to be executed and compare.
+      const check = checkApprovalArtifact(this.deps.signer, artifact, execution, now);
+      if (!check.ok) {
+        if (check.problem === "expired") {
+          return this.persist(transition(approved, "expired", { at, actor: this.agentActor, reason: "approval_expired", detail: `approval ${artifact.approval_id} expired at ${artifact.expires_at}` }));
+        }
+        return this.persist(transition(this.withoutApproval(approved), "awaiting_approval", { at, actor: this.agentActor, reason: "items_hash_mismatch", detail: `approval ${artifact.approval_id} does not match what would be executed (${check.problem})` }));
+      }
+
+      const verdict = this.policy(execution, now, "execute", artifact.approver.type === "person");
+      if (verdict.kind === "deny" || verdict.kind === "block") {
+        return this.persist(transition(approved, "denied", { at, actor: this.agentActor, reason: verdict.reason, detail: verdict.detail }));
+      }
+      if (verdict.kind === "escalate") {
+        return this.persist(transition({ ...this.withoutApproval(approved), escalation: verdict.escalation }, "awaiting_approval", { at, actor: this.agentActor, reason: "escalated", detail: `${verdict.escalation.trigger}: ${verdict.escalation.detail}` }));
+      }
+
+      this.deps.store.putOutbox({
+        idempotency_key: execution.idempotency_key,
+        execution_id: execution.id,
+        kind: "rail.pay",
+        payload: { attempts: payments.map((p) => p.attempt_id), items: execution.items },
+        status: "pending",
+        response: undefined,
+        created_at: at,
+      });
+      return this.persist(transition(approved, "executing", { at, actor: this.agentActor, detail: `idempotency_key ${execution.idempotency_key}` }));
+    });
+    if (decided.state !== "executing") return decided;
+
+    return this.dispatch(decided as Execution<"executing">, payments);
+  }
+
+  /**
+   * Sends the attempts of an `executing` execution to the rail. The outbox row
+   * flips to `sent` BEFORE the first call, so a crash after that point is
+   * reconciled and never re-sent.
+   */
+  private async dispatch(execution: Execution<"executing">, payments: RailPayment[]): Promise<Execution> {
+    const outcomes: ItemOutcome[] = [...execution.outcomes];
+    this.deps.store.updateOutbox(execution.idempotency_key, "sent", undefined, this.clock().toISOString());
+
+    for (const [index, payment] of payments.entries()) {
+      if (outcomes.some((o) => o.index === index)) continue;
+      this.record("rail.dispatch", execution.id, { attempt_id: payment.attempt_id, payee: payment.payee, amount: payment.amount_minor, rail: this.deps.rail.name });
+      const outcome = await this.deps.rail.pay(payment);
+      this.record("rail.outcome", execution.id, { attempt_id: payment.attempt_id, status: outcome.status, ...(outcome.status === "failed" || outcome.status === "uncertain" ? { code: outcome.code } : {}) });
+      if (outcome.status === "uncertain") {
+        this.record("rail.uncertain", execution.id, { attempt_id: payment.attempt_id, code: outcome.code, message: outcome.message });
+        return this.leaveUnresolved({ ...execution, outcomes }, `attempt ${payment.attempt_id}: ${outcome.code} — outcome unknown, kept for reconciliation`);
+      }
+      if (outcome.status === "failed") {
+        outcomes.push({ index, attempt_id: payment.attempt_id, status: "failed", code: outcome.code, error: `${outcome.code}: ${outcome.message}` });
+        break;
+      }
+      if (outcome.status === "accepted") {
+        // A receivable was issued; the payer decides the rest. Nothing settles here.
+        outcomes.push({ index, attempt_id: payment.attempt_id, status: "accepted", transaction_id: outcome.transaction_id, instrument: outcome.instrument });
+        this.recordInstrument(execution.id, payment.attempt_id, outcome.transaction_id, outcome.instrument);
+        continue;
+      }
+      outcomes.push({ index, attempt_id: payment.attempt_id, status: "settled", transaction_id: outcome.transaction_id, ...(outcome.receipt_id ? { receipt_id: outcome.receipt_id } : {}) });
+      await this.ingestSettlement(execution, index, payment, outcome.receipt_id, PAYMENT_SUCCEEDED);
+    }
+    return this.close({ ...execution, outcomes }, payments.length);
+  }
+
+  /**
+   * Closes an `executing` execution from its recorded outcomes: stays while a
+   * receivable is accepted and unpaid, failed if any attempt failed, settled
+   * when every attempt settled, otherwise unresolved.
+   */
+  private close(execution: Execution<"executing">, attempts: number): Execution {
+    const at = this.clock().toISOString();
+    const updated: Execution<"executing"> = { ...execution, updated_at: at };
+    const accepted = execution.outcomes.filter((o) => o.status === "accepted");
+    if (accepted.length > 0) {
+      return this.leaveAwaiting(updated, `${accepted.length} receivable(s) issued and unpaid: ${accepted.map((o) => o.transaction_id ?? o.attempt_id).join(", ")}`);
+    }
+    const failed = execution.outcomes.find((o) => o.status === "failed");
+    if (failed) {
+      this.deps.store.updateOutbox(execution.idempotency_key, "failed", execution.outcomes, at);
+      const reason: ExecutionReason = failed.code === "charge_expired" || failed.code === "charge_cancelled" ? failed.code : "rail_failed";
+      return this.persist(transition(updated, "failed", { at, actor: this.agentActor, reason, detail: failed.error ?? "rail refused" }));
+    }
+    if (execution.outcomes.filter((o) => o.status === "settled").length === attempts) {
+      this.deps.store.updateOutbox(execution.idempotency_key, "done", execution.outcomes, at);
+      return this.persist(transition(updated, "settled", { at, actor: this.agentActor }));
+    }
+    return this.leaveUnresolved(updated, `${execution.outcomes.length} of ${attempts} attempt(s) have an outcome`);
+  }
+
+  private leaveUnresolved(execution: Execution<"executing">, detail: string): Execution {
+    const kept: Execution<"executing"> = { ...execution, reason: "rail_uncertain", detail, updated_at: this.clock().toISOString() };
+    this.deps.store.saveExecution(kept);
+    this.record("execution.uncertain", execution.id, { detail });
+    return kept;
+  }
+
+  /** A receivable is out and its payer has not acted. Not uncertain: the rail knows the attempt; the outcome is simply not yet decided. */
+  private leaveAwaiting(execution: Execution<"executing">, detail: string): Execution {
+    const kept: Execution<"executing"> = { ...execution, reason: "awaiting_settlement", detail, updated_at: this.clock().toISOString() };
+    this.deps.store.saveExecution(kept);
+    // Deduplicated on what was observed, so a poll every few seconds does not fill the log with the same line.
+    const stored = this.deps.store.appendEvent({ run_id: this.deps.runId, execution_id: execution.id, event_id: `awaiting:${execution.id}:${sha256Hex(detail).slice(0, 16)}`, type: "execution.awaiting_settlement", payload: { detail }, at: kept.updated_at });
+    if (stored) this.deps.bundle.event({ ...stored, actor: this.agentActor });
+    return kept;
+  }
+
+  /** The instrument the payer is shown, logged once per observed state (registration flips `payable`; the log says when). */
+  private recordInstrument(executionId: string, attemptId: string, transactionId: string, instrument: ItemOutcome["instrument"]): void {
+    if (!instrument) return;
+    const stored = this.deps.store.appendEvent({
+      run_id: this.deps.runId,
+      execution_id: executionId,
+      event_id: `instrument:${attemptId}:${instrument.status}:${instrument.payable ? "payable" : "not-payable"}`,
+      type: "charge.instrument",
+      payload: { attempt_id: attemptId, charge_id: transactionId, status: instrument.status, payable: instrument.payable, has_pix: instrument.pix_copy_paste !== null, has_boleto: instrument.boleto_bank_line !== null, due_date: instrument.due_date },
+      at: this.clock().toISOString(),
+    });
+    if (stored) this.deps.bundle.event({ ...stored, actor: this.agentActor });
+  }
+
+  private async ingestSettlement(execution: Execution, index: number, payment: RailPayment, receiptId: string | null, eventType: PublishedEvent): Promise<void> {
+    // The rail's answer is the settlement event the API publishes (section 4.3): `commerce.payment.succeeded` for a payout, `commerce.charge.paid` for a receivable. Keyed by attempt so a replay is a no-op.
+    const appended = this.deps.store.appendEvent({
+      run_id: this.deps.runId,
+      execution_id: execution.id,
+      event_id: `succeeded:${payment.attempt_id}`,
+      type: eventType,
+      payload: { attempt_id: payment.attempt_id, amount: payment.amount_minor, payee: payment.payee, receipt_id: receiptId, actor: this.agentActor },
+      at: this.clock().toISOString(),
+    });
+    if (appended) this.deps.bundle.event({ ...appended, actor: this.agentActor, item_index: index });
+    if (receiptId) await this.saveReceipt(execution.id, receiptId);
+  }
+
+  private async saveReceipt(executionId: string, receiptId: string): Promise<void> {
+    const receipt = await this.deps.rail.receipt(receiptId, this.agentActor);
+    if (receipt) {
+      const path = this.deps.bundle.receipt(receipt);
+      this.record("receipt.saved", executionId, { receipt_id: receiptId, path });
+    }
+  }
+
+  /**
+   * Fetches into the bundle the receipts of settled attempts the bundle does
+   * not hold yet (a settlement that arrived by event names a receipt id and
+   * nothing else). Read-only on the rail; never dispatches.
+   */
+  async collectReceipts(executionId: string): Promise<string[]> {
+    const execution = this.mustGet(executionId);
+    const held = new Set(this.deps.bundle.listReceipts().map((f) => f.replace(/\.json$/, "")));
+    const fetched: string[] = [];
+    for (const outcome of execution.outcomes) {
+      if (outcome.status !== "settled" || !outcome.receipt_id || held.has(outcome.receipt_id)) continue;
+      await this.saveReceipt(execution.id, outcome.receipt_id);
+      fetched.push(outcome.receipt_id);
+    }
+    return fetched;
+  }
+
+  // ---- section 10: resume and reconcile ---------------------------------
+
+  /**
+   * An execution left in `executing` is reconciled, NEVER dispatched. Each
+   * attempt without an outcome is looked up on the rail; a recorded settled
+   * or failed answer is taken, and anything else (in flight, uncertain,
+   * unknown) leaves the execution in `executing` with an `execution.uncertain`
+   * event, for a human. "Unknown" is not "never sent": on the real rail a
+   * receipt is indexed seconds after settlement (~43 s measured on Celcoin).
+   */
+  async reconcile(executionId: string): Promise<Execution> {
+    const execution = this.mustGet(executionId);
+    if (execution.state !== "executing") return execution;
+    const payments = this.paymentsFor(execution);
+    const outbox = this.deps.store.getOutbox(execution.idempotency_key);
+    if (outbox?.status === "pending") {
+      return this.leaveUnresolved(execution as Execution<"executing">, "outbox pending: nothing was ever sent; `resume` dispatches it, reconcile does not");
+    }
+
+    const outcomes: ItemOutcome[] = [...execution.outcomes];
+    let unresolved: string | undefined;
+    for (const [index, payment] of payments.entries()) {
+      const prior = outcomes.find((o) => o.index === index);
+      // Settled and failed are final. An accepted receivable is looked at again: its payer may have acted.
+      if (prior && prior.status !== "accepted") continue;
+      const seen = await this.deps.rail.lookup(payment.attempt_id, payment);
+      const found = seen ? seen.status : "absent";
+      const stored = this.deps.store.appendEvent({
+        run_id: this.deps.runId,
+        execution_id: execution.id,
+        // A poll that sees the same thing twice logs it once; a change in what it sees is a new line.
+        ...(prior ? { event_id: `reconcile:${payment.attempt_id}:${found}:${seen && seen.status === "accepted" ? `${seen.instrument.status}:${seen.instrument.payable}` : ""}` } : {}),
+        type: "rail.reconcile",
+        payload: { attempt_id: payment.attempt_id, found },
+        at: this.clock().toISOString(),
+      });
+      if (stored) this.deps.bundle.event({ ...stored, actor: this.agentActor });
+      if (!seen || seen.status === "uncertain" || seen.status === "in_flight") {
+        if (prior) continue; // the receivable is known to exist; the rail just did not answer this time
+        unresolved = `attempt ${payment.attempt_id}: ${seen ? seen.status : "unknown to the rail"}; a human decides, nothing is re-sent`;
+        break;
+      }
+      const replace = (outcome: ItemOutcome) => {
+        const at = outcomes.findIndex((o) => o.index === index);
+        if (at >= 0) outcomes[at] = outcome;
+        else outcomes.push(outcome);
+      };
+      if (seen.status === "accepted") {
+        replace({ index, attempt_id: payment.attempt_id, status: "accepted", transaction_id: seen.transaction_id, instrument: seen.instrument });
+        this.recordInstrument(execution.id, payment.attempt_id, seen.transaction_id, seen.instrument);
+        continue;
+      }
+      if (seen.status === "failed") {
+        replace({ index, attempt_id: payment.attempt_id, status: "failed", code: seen.code, error: `${seen.code}: ${seen.message}` });
+        if (!prior) break;
+        continue;
+      }
+      replace({ index, attempt_id: payment.attempt_id, status: "settled", transaction_id: seen.transaction_id, ...(seen.receipt_id ? { receipt_id: seen.receipt_id } : {}) });
+      await this.ingestSettlement(execution, index, payment, seen.receipt_id, prior ? CHARGE_PAID : PAYMENT_SUCCEEDED);
+    }
+    const updated: Execution<"executing"> = { ...(execution as Execution<"executing">), outcomes };
+    if (unresolved) return this.leaveUnresolved(updated, unresolved);
+    return this.close(updated, payments.length);
+  }
+
+  /**
+   * `resume` only: dispatches the attempts of an `executing` execution whose
+   * outbox row is still `pending`. `pending` flips to `sent` before the first
+   * rail call, so a `pending` row proves nothing ever left; anything `sent`
+   * goes through `reconcile()` instead and is never re-sent.
+   */
+  async resumePending(executionId: string): Promise<Execution> {
+    const execution = this.mustGet(executionId);
+    if (execution.state !== "executing") return execution;
+    const outbox = this.deps.store.getOutbox(execution.idempotency_key);
+    if (outbox?.status !== "pending") return this.reconcile(executionId);
+    this.record("rail.resume", execution.id, { detail: "outbox pending: nothing was ever sent; dispatching once under the same attempt ids" });
+    return this.dispatch(execution as Execution<"executing">, this.paymentsFor(execution));
+  }
+
+  /** Time-based exits: an open execution past its approval TTL closes as `expired`. */
+  expireStale(): Execution[] {
+    const now = this.clock();
+    const ttl = this.deps.guardrails.approval_ttl_minutes * 60_000;
+    const out: Execution[] = [];
+    for (const execution of this.deps.store.listExecutions({ state: ["awaiting_approval", "approved"] })) {
+      const opened = new Date(execution.updated_at).getTime();
+      if (now.getTime() - opened <= ttl) continue;
+      out.push(this.persist(transition(execution as Execution<"awaiting_approval">, "expired", { at: now.toISOString(), actor: this.agentActor, reason: "approval_expired", detail: `no decision within ${this.deps.guardrails.approval_ttl_minutes} minutes` })));
+    }
+    return out;
+  }
+
+  /**
+   * An event arriving from outside (a trigger, a webhook): deduplicated by
+   * id, applied to the ONE attempt it names, and the execution closes only
+   * when every attempt has its outcome. `paid` before `created` is fine;
+   * `paid` twice settles once.
+   */
+  ingestExternalEvent(event: { event_id: string; type: string; attempt_id?: string; transaction_id?: string; at?: string }): { applied: boolean; reason: string } {
+    const located = this.locateAttempt(event);
+    if (!located) return { applied: false, reason: event.attempt_id || event.transaction_id ? "unknown attempt" : "event names no attempt_id and no transaction_id" };
+    const { row, attemptId } = located;
+    const stored = this.deps.store.appendEvent({ run_id: this.deps.runId, execution_id: row.execution_id, event_id: event.event_id, type: event.type, payload: { ...event, attempt_id: attemptId }, at: event.at ?? this.clock().toISOString() });
+    if (!stored) return { applied: false, reason: "duplicate event id" };
+    this.deps.bundle.event({ ...stored, actor: this.agentActor });
+    const execution = this.mustGet(row.execution_id);
+    if (isTerminal(execution.state)) return { applied: false, reason: `execution already ${execution.state}` };
+    if (execution.state !== "executing") return { applied: false, reason: `execution is ${execution.state}; the rail event cannot move it` };
+    const attempts = (row.payload as { attempts: string[] }).attempts;
+    const index = attempts.indexOf(attemptId);
+    const prior = execution.outcomes.find((o) => o.index === index);
+    // Settled and failed are final. An accepted receivable is exactly what a `commerce.charge.*` event decides.
+    if (prior && prior.status !== "accepted") return { applied: false, reason: "attempt already has an outcome" };
+
+    const carry = prior ? { ...(prior.transaction_id ? { transaction_id: prior.transaction_id } : {}) } : {};
+    let outcome: ItemOutcome;
+    switch (event.type) {
+      case PAYMENT_SUCCEEDED:
+        outcome = { index, attempt_id: attemptId, status: "settled", ...carry };
+        break;
+      case CHARGE_PAID:
+        // The paid receivable is its own record on the API; `collectReceipts()` fetches it into the bundle.
+        outcome = { index, attempt_id: attemptId, status: "settled", ...carry, ...(prior?.transaction_id ? { receipt_id: prior.transaction_id } : {}) };
+        break;
+      case PAYMENT_FAILED:
+        outcome = { index, attempt_id: attemptId, status: "failed", code: "rail_failed", error: `event ${event.event_id}` };
+        break;
+      case CHARGE_EXPIRED:
+        outcome = { index, attempt_id: attemptId, status: "failed", code: "charge_expired", error: `charge_expired: event ${event.event_id}`, ...carry };
+        break;
+      case CHARGE_CANCELLED:
+        outcome = { index, attempt_id: attemptId, status: "failed", code: "charge_cancelled", error: `charge_cancelled: event ${event.event_id}`, ...carry };
+        break;
+      default:
+        return { applied: false, reason: `event type ${event.type} moves nothing` };
+    }
+
+    const outcomes = execution.outcomes.filter((o) => o.index !== index).concat(outcome).sort((a, b) => a.index - b.index);
+    const closed = this.close({ ...(execution as Execution<"executing">), outcomes }, attempts.length);
+    return { applied: true, reason: closed.state === "executing" ? `attempt recorded; ${closed.detail}` : closed.state };
+  }
+
+  /** An event names our attempt id, or the rail's transaction id we recorded when the attempt was accepted. */
+  private locateAttempt(event: { attempt_id?: string; transaction_id?: string }): { row: ReturnType<StateStore["listOutbox"]>[number]; attemptId: string } | undefined {
+    const rows = this.deps.store.listOutbox();
+    if (event.attempt_id) {
+      const attemptId = event.attempt_id;
+      const row = rows.find((o) => ((o.payload as { attempts?: string[] }).attempts ?? []).includes(attemptId));
+      return row ? { row, attemptId } : undefined;
+    }
+    if (event.transaction_id) {
+      for (const row of rows) {
+        const execution = this.deps.store.getExecution(row.execution_id);
+        const hit = execution?.outcomes.find((o) => o.transaction_id === event.transaction_id);
+        if (hit) return { row, attemptId: hit.attempt_id };
+      }
+    }
+    return undefined;
+  }
+
+  // ---- the channel's small writes -----------------------------------------
+
+  /** A line in the event log written by the channel (a message to the person, a sandbox payer call). Never a transition. */
+  note(type: string, executionId: string | null, payload: Record<string, unknown>): void {
+    this.record(type, executionId, payload);
+  }
+
+  /**
+   * Once-only presentation: true the first time a given attempt's instrument
+   * is marked shown, false afterwards, across restarts (it is a cursor in
+   * state.db, not memory). The debtor sees each QR once.
+   */
+  markShown(executionId: string, attemptId: string): boolean {
+    const key = `shown:${executionId}:${attemptId}`;
+    if (this.deps.store.getCursor(key)) return false;
+    this.deps.store.setCursor(key, this.clock().toISOString());
+    return true;
+  }
+
+  /** Once-only message per execution outcome, same mechanism. */
+  markTold(executionId: string, outcome: string): boolean {
+    const key = `told:${executionId}:${outcome}`;
+    if (this.deps.store.getCursor(key)) return false;
+    this.deps.store.setCursor(key, this.clock().toISOString());
+    return true;
+  }
+
+  // ---- reads --------------------------------------------------------------
+
+  get(executionId: string): Execution | undefined {
+    return this.deps.store.getExecution(executionId);
+  }
+
+  list(filter: { state?: ExecutionState | ExecutionState[] } = {}): Execution[] {
+    return this.deps.store.listExecutions({ ...filter, mandate_id: this.deps.mandate.id });
+  }
+
+  // ---- helpers ------------------------------------------------------------
+
+  /**
+   * Section 4.7, fail-closed: `executing` is reached on `active` and on
+   * nothing else. A source that cannot answer (a failed read, a status this
+   * code does not know, an exception) is `mandate_status_unavailable`, never
+   * "assume active". An expired mandate closes the execution as `expired`;
+   * the other refusals close it as `denied`.
+   */
+  private async mandateGate(): Promise<{ reason: ExecutionReason; detail: string; to: "denied" | "expired" } | undefined> {
+    const { mandate } = this.deps;
+    let report: MandateStatusReport;
+    try {
+      report = await this.deps.status.check(mandate.id);
+    } catch (err) {
+      return { to: "denied", reason: "mandate_status_unavailable", detail: `the status of mandate ${mandate.id} could not be read (${err instanceof Error ? err.message : String(err)}); nothing executes until it can` };
+    }
+    if (report.org_paused) return { to: "denied", reason: "org_paused", detail: "the organization paused every mandate (kill switch)" };
+    switch (report.status) {
+      case "revoked":
+        return { to: "denied", reason: "mandate_revoked", detail: `mandate ${mandate.id} was revoked (source: ${report.source})` };
+      case "paused":
+        return { to: "denied", reason: "mandate_paused", detail: `mandate ${mandate.id} is paused (source: ${report.source})` };
+      case "expired":
+        return { to: "expired", reason: "mandate_expired", detail: `mandate ${mandate.id} expired at ${mandate.expires_at} (source: ${report.source})` };
+      case "active":
+        if (mandateExpired(mandate, this.clock())) return { to: "expired", reason: "mandate_expired", detail: `mandate ${mandate.id} expired at ${mandate.expires_at}` };
+        return undefined;
+      default:
+        return { to: "denied", reason: "mandate_status_unavailable", detail: `the status of mandate ${mandate.id} could not be read (${report.detail ?? "no detail"}); nothing executes until it can` };
+    }
+  }
+
+  private resolveItem(proposed: ProposedItem): ExecutionItem {
+    const known = resolveBeneficiary(this.deps.mandate, proposed.payee);
+    const amount = Math.trunc(proposed.amount);
+    if (!Number.isFinite(amount) || amount <= 0) throw new Error(`amount must be a positive integer in minor units, got ${proposed.amount}`);
+    if (proposed.due_date !== undefined && !/^\d{4}-\d{2}-\d{2}$/.test(proposed.due_date)) throw new Error(`due_date must be YYYY-MM-DD, got ${proposed.due_date}`);
+    return {
+      ...(known ? { alias: known.alias } : {}),
+      beneficiary: known?.name ?? proposed.payee,
+      payee: known?.payee ?? proposed.payee,
+      amount,
+      currency: this.deps.mandate.currency,
+      ...(proposed.description ? { description: proposed.description } : {}),
+      ...(proposed.due_date ? { due_date: proposed.due_date } : {}),
+    };
+  }
+
+  private paymentsFor(execution: Execution): RailPayment[] {
+    return execution.items.map((item, index) => ({
+      attempt_id: `att_${execution.idempotency_key.slice(4)}_${index}`,
+      mandate_id: execution.mandate.id,
+      amount_minor: item.amount,
+      currency: item.currency,
+      payee: item.payee,
+      beneficiary: item.beneficiary,
+      purpose: this.deps.mandate.purpose,
+      agent_id: this.deps.mandate.agent_id,
+      ...(item.description ? { description: item.description } : {}),
+      ...(item.due_date ? { due_date: item.due_date } : {}),
+      actor: this.agentActor,
+    }));
+  }
+
+  private withoutApproval(execution: Execution<"approved">): Execution<"approved"> {
+    const { approval_id: _stale, ...rest } = execution;
+    return rest as Execution<"approved">;
+  }
+
+  /** Settled, in flight or awaiting a decision under this mandate inside the cap window, excluding the execution being judged. */
+  private committedInWindow(now: Date, excludeId: string): number {
+    const start = windowStart(this.deps.mandate, now).getTime();
+    return this.list({ state: WINDOW_STATES })
+      .filter((e) => e.id !== excludeId && new Date(e.created_at).getTime() >= start)
+      .reduce((sum, e) => sum + e.total, 0);
+  }
+
+  private knownPayees(): Set<string> {
+    const out = new Set<string>();
+    for (const e of this.list({ state: "settled" })) for (const i of e.items) out.add(i.payee);
+    return out;
+  }
+
+  /**
+   * What the agent ran ALONE per payee inside the velocity window: mandate-mode
+   * executions the allowance approved without a human. A payment a human
+   * approved is not fractioning, so it does not count against the threshold.
+   */
+  private recentByPayee(now: Date, excludeId: string): Map<string, number> {
+    const out = new Map<string, number>();
+    const hours = this.deps.guardrails.velocity?.window_hours;
+    if (!hours) return out;
+    const since = now.getTime() - hours * 3_600_000;
+    for (const e of this.list({ state: ["approved", "executing", "settled"] })) {
+      if (e.id === excludeId || e.mode !== "mandate" || e.escalation !== undefined) continue;
+      if (new Date(e.created_at).getTime() < since) continue;
+      for (const i of e.items) out.set(i.payee, (out.get(i.payee) ?? 0) + i.amount);
+    }
+    return out;
+  }
+
+  private storeApproval(artifact: ApprovalArtifact): void {
+    this.deps.store.saveApproval(artifact);
+    this.deps.bundle.approval(artifact);
+    this.record("approval.created", artifact.execution_id, { approval_id: artifact.approval_id, approver: artifact.approver, items_hash: artifact.items_hash, escalation: artifact.escalation ?? null });
+  }
+
+  private persist<S extends ExecutionState>(execution: Execution<S>): Execution<S> {
+    this.deps.store.saveExecution(execution);
+    const last = execution.history[execution.history.length - 1];
+    if (last) {
+      const stored = this.deps.store.appendEvent({ run_id: this.deps.runId, execution_id: execution.id, type: "execution.transition", payload: last, at: last.at });
+      if (stored) this.deps.bundle.event({ ...stored, actor: last.actor });
+    }
+    return execution;
+  }
+
+  private record(type: string, executionId: string | null, payload: Record<string, unknown>): void {
+    const stored = this.deps.store.appendEvent({ run_id: this.deps.runId, execution_id: executionId, type, payload, at: this.clock().toISOString() });
+    if (stored) this.deps.bundle.event({ ...stored, actor: this.agentActor });
+  }
+
+  private mustGet(executionId: string): Execution {
+    const execution = this.deps.store.getExecution(executionId);
+    if (!execution) throw new Error(`unknown execution ${executionId}`);
+    return execution;
+  }
+}