@fantastic.dev/better-stripe 0.18.0 → 0.19.0

package/CHANGELOG.md

@@ -14,6 +14,12 @@
 - Remove internal tracker references from public documentation and add a
   regression check that prevents their reintroduction.
 
+## [0.19.0](https://github.com/FantasticDevHQ/better-stripe/compare/v0.18.0...v0.19.0) (2026-10-15)
+
+### Features
+
+- **payouts:** verify recipient transfer funding receipts ([#182](https://github.com/FantasticDevHQ/better-stripe/issues/182)) ([e93d0a7](https://github.com/FantasticDevHQ/better-stripe/commit/e93d0a7a36245b20d568f8c2a3fe117a7f63ea8c))
+
 ## [0.18.0](https://github.com/FantasticDevHQ/better-stripe/compare/v0.17.1...v0.18.0) (2026-10-15)
 
 ### Features

package/README.md

@@ -39,12 +39,15 @@ See the [customer preview setup and webhook migration guide](docs/accounts-v2-pr
 Recipient-held custom payout policies now have versioned preparation, verified
 manual schedule changes, live drift checks, opt-out restoration, and a bounded
 deadline-expiry API. See [policy setup and limits](docs/settlement.md#recipient-held-payout-policy-controls).
+A [recipient funding reader](docs/settlement.md#verified-recipient-funding-receipts)
+verifies original and reversal receipts, maturity, and exact settlement amounts;
+received credit is kept distinct from still-unpaid entitlement.
 Automatic combined release and adoption of existing balances still require the
 separate release boundary; schedule controls alone do not enforce a minimum.
 
 ## Status
 
-**Version**: `0.18.0` <!-- x-release-please-version --> (pre-1.0). API may change between minor versions until 1.0.
+**Version**: `0.19.0` <!-- x-release-please-version --> (pre-1.0). API may change between minor versions until 1.0.
 
 Used in production by its authors. Webhook pipeline is covered by unit tests and a live E2E harness (`npm run e2e:webhooks`) that fires real Stripe-signed events and asserts the ledger.
 

package/dist/client/connect/transferReceipt.d.ts

@@ -0,0 +1,48 @@
+import type Stripe from "stripe";
+import type { Component, RunCtx } from "../helpers.js";
+export type TransferReceiptOptions = {
+    accountId: string;
+    stripeTransferId: string;
+    maxRequests?: number;
+};
+export type TransferReceiptTransaction = {
+    id: string;
+    sourceId: string;
+    amount: number;
+    fee: number;
+    net: number;
+    currency: string;
+    created: number;
+    /** Unix seconds, as returned by Stripe. */
+    availableOn: number;
+    status: "available" | "pending";
+    type: string;
+};
+export type TransferReceiptNotReadyReason = "not_in_ledger" | "transfer_pending" | "receipt_unavailable" | "reversal_pending" | "history_incomplete" | "currency_allocation_required" | "provider_changed" | "ledger_changed";
+export type TransferFundingReceipt = {
+    status: "not_ready";
+    accountId: string;
+    stripeTransferId: string;
+    reason: TransferReceiptNotReadyReason;
+} | {
+    status: "ready";
+    accountId: string;
+    stripeTransferId: string;
+    destinationPaymentId: string;
+    sourceAmount: number;
+    sourceCurrency: string;
+    settlementCurrency: string;
+    providerReversedAmount: number;
+    totalNet: number;
+    /** Signed source contribution; previous payouts are not allocated here. */
+    matureNet: number;
+    pendingCredits: number;
+    role?: "store" | "affiliate" | "other";
+    reinstatement: boolean;
+    transactions: TransferReceiptTransaction[];
+    /** Snapshot observation time in milliseconds. */
+    observedAt: number;
+};
+/** Recipient-scoped received credit. Previous payouts are deliberately not allocated here. */
+export declare function getTransferFundingReceipt(stripe: Stripe, component: Component, ctx: RunCtx, opts: TransferReceiptOptions): Promise<TransferFundingReceipt>;
+//# sourceMappingURL=transferReceipt.d.ts.map

package/dist/client/connect/transferReceipt.d.ts.map

@@ -0,0 +1 @@
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package/dist/client/connect/transferReceipt.js

@@ -0,0 +1,296 @@
+import { componentRef } from "../webhooks/helpers.js";
+class NotReady extends Error {
+    reason;
+    constructor(reason) {
+        super(reason);
+        this.reason = reason;
+    }
+}
+const id = (value) => typeof value === "string" ? value : value?.id;
+function integer(value) {
+    if (!Number.isSafeInteger(value))
+        throw new Error("Receipt amounts must be safe integers.");
+    return value;
+}
+const add = (a, b) => integer(a + b);
+function fingerprint(t) {
+    return JSON.stringify([
+        t.id,
+        id(t.destination),
+        id(t.destination_payment),
+        id(t.source_transaction),
+        t.amount,
+        t.currency,
+        t.amount_reversed,
+        t.metadata?.bsReinstateOf,
+    ]);
+}
+function ledgerFingerprint(t) {
+    return JSON.stringify([
+        t.stripeTransferId,
+        t.destinationAccountId,
+        t.sourceChargeId,
+        t.amount,
+        t.currency,
+        t.role,
+        t.status,
+        t.reversedAmount ?? 0,
+        t.reversalClaimedAmount ?? 0,
+        t.reinstatement ?? false,
+    ]);
+}
+/** Recipient-scoped received credit. Previous payouts are deliberately not allocated here. */
+export async function getTransferFundingReceipt(stripe, component, ctx, opts) {
+    const max = opts.maxRequests ?? 20;
+    if (!Number.isInteger(max) || max < 1 || max > 100)
+        throw new Error("Receipt request budget must be between 1 and 100.");
+    if (!/^acct_\w+$/.test(opts.accountId) ||
+        !/^tr_\w+$/.test(opts.stripeTransferId))
+        throw new Error("Invalid recipient transfer identity.");
+    const scope = {
+        accountId: opts.accountId,
+        stripeTransferId: opts.stripeTransferId,
+    };
+    const read = () => ctx.runQuery(componentRef(component, "connect/queries/getTransferByStripeId"), { stripeTransferId: opts.stripeTransferId });
+    const ledger = await read();
+    if (!ledger)
+        return { status: "not_ready", ...scope, reason: "not_in_ledger" };
+    if (ledger.destinationAccountId !== opts.accountId ||
+        ledger.stripeTransferId !== opts.stripeTransferId)
+        throw new Error("Transfer ledger identity does not match the recipient.");
+    if (!["paid", "reversed"].includes(ledger.status))
+        return { status: "not_ready", ...scope, reason: "transfer_pending" };
+    let requests = 0;
+    async function request(fn) {
+        if (requests++ >= max)
+            throw new NotReady("history_incomplete");
+        return fn();
+    }
+    async function scan(fn) {
+        const rows = [];
+        let cursor;
+        for (;;) {
+            const page = await request(() => fn(cursor));
+            rows.push(...page.data);
+            if (!page.has_more)
+                return rows;
+            const next = page.data[page.data.length - 1]?.id;
+            if (!next || next === cursor)
+                throw new NotReady("history_incomplete");
+            cursor = next;
+        }
+    }
+    try {
+        const transfer = await request(() => stripe.transfers.retrieve(opts.stripeTransferId));
+        const destinationPaymentId = id(transfer.destination_payment);
+        if (transfer.id !== ledger.stripeTransferId ||
+            id(transfer.destination) !== ledger.destinationAccountId ||
+            transfer.amount !== ledger.amount ||
+            transfer.currency !== ledger.currency ||
+            !destinationPaymentId)
+            throw new Error("Provider transfer identity or provenance does not match the ledger.");
+        const source = id(transfer.source_transaction);
+        if (ledger.sourceChargeId &&
+            source !== ledger.sourceChargeId &&
+            !(ledger.reinstatement &&
+                !source &&
+                transfer.metadata?.bsReinstateOf === ledger.sourceChargeId))
+            throw new Error("Transfer source provenance does not match the ledger.");
+        integer(transfer.amount);
+        integer(transfer.amount_reversed);
+        if (transfer.amount <= 0 ||
+            transfer.amount_reversed < 0 ||
+            transfer.amount_reversed > transfer.amount)
+            throw new Error("Invalid transfer receipt amount.");
+        for (const amount of [
+            ledger.reversedAmount ?? 0,
+            ledger.reversalClaimedAmount ?? 0,
+        ]) {
+            integer(amount);
+            if (amount < 0 || amount > transfer.amount)
+                throw new Error("Invalid ledger reversal amount.");
+        }
+        if (Math.max(ledger.reversedAmount ?? 0, ledger.reversalClaimedAmount ?? 0) >
+            transfer.amount_reversed)
+            throw new NotReady("reversal_pending");
+        const payment = await request(() => stripe.charges.retrieve(destinationPaymentId, {}, { stripeAccount: opts.accountId }));
+        if (payment.id !== destinationPaymentId ||
+            id(payment.source_transfer) !== transfer.id)
+            throw new Error("Recipient payment identity does not match the transfer.");
+        if (payment.currency !== transfer.currency)
+            throw new NotReady("currency_allocation_required");
+        if (payment.amount !== transfer.amount)
+            throw new Error("Recipient payment amount does not match the transfer.");
+        if (!payment.paid ||
+            payment.status !== "succeeded" ||
+            !id(payment.balance_transaction))
+            throw new NotReady("receipt_unavailable");
+        const records = new Map();
+        let settlementCurrency;
+        async function receipts(sourceId, primary) {
+            const txs = await scan((cursor) => stripe.balanceTransactions.list({
+                source: sourceId,
+                limit: 100,
+                ...(cursor ? { starting_after: cursor } : {}),
+            }, { stripeAccount: opts.accountId }));
+            if (!txs.length)
+                throw new NotReady("receipt_unavailable");
+            for (const t of txs) {
+                if (id(t.source) !== sourceId)
+                    throw new Error("Recipient receipt identity does not match its source.");
+                for (const amount of [
+                    t.amount,
+                    t.fee,
+                    t.net,
+                    t.created,
+                    t.available_on,
+                ])
+                    integer(amount);
+                if (t.fee < 0 ||
+                    t.net !== integer(t.amount - t.fee) ||
+                    t.created < 0 ||
+                    t.available_on < 0)
+                    throw new Error("Invalid recipient receipt amount.");
+                if (t.status !== "available" && t.status !== "pending")
+                    throw new NotReady("receipt_unavailable");
+                if (!/^[a-z]{3}$/.test(t.currency))
+                    throw new Error("Invalid receipt currency.");
+                if ("balance_type" in t && t.balance_type !== "payments")
+                    throw new NotReady("currency_allocation_required");
+                if (settlementCurrency && settlementCurrency !== t.currency)
+                    throw new NotReady("currency_allocation_required");
+                settlementCurrency = t.currency;
+                if (t.id === primary.id) {
+                    if (t.currency === primary.currency &&
+                        t.amount !== primary.sign * primary.amount)
+                        throw new Error("Original recipient receipt amount does not match the payment.");
+                    if (t.currency !== primary.currency &&
+                        (!Number.isFinite(t.exchange_rate) ||
+                            !t.exchange_rate ||
+                            t.exchange_rate <= 0))
+                        throw new NotReady("currency_allocation_required");
+                }
+                const record = {
+                    id: t.id,
+                    sourceId,
+                    amount: t.amount,
+                    fee: t.fee,
+                    net: t.net,
+                    currency: t.currency,
+                    created: t.created,
+                    availableOn: t.available_on,
+                    status: t.status,
+                    type: t.type,
+                };
+                const prior = records.get(t.id);
+                if (prior && JSON.stringify(prior) !== JSON.stringify(record))
+                    throw new Error("Conflicting recipient receipt identity.");
+                records.set(t.id, record);
+            }
+            if (!records.has(primary.id))
+                throw new NotReady("receipt_unavailable");
+        }
+        await receipts(destinationPaymentId, {
+            id: id(payment.balance_transaction),
+            amount: payment.amount,
+            currency: payment.currency,
+            sign: 1,
+        });
+        const reversals = await scan((cursor) => stripe.transfers.listReversals(transfer.id, {
+            limit: 100,
+            ...(cursor ? { starting_after: cursor } : {}),
+        }));
+        const seenReversals = new Map();
+        let reversed = 0;
+        for (const r of reversals) {
+            if (id(r.transfer) !== transfer.id ||
+                r.currency !== transfer.currency ||
+                !Number.isSafeInteger(r.amount) ||
+                r.amount <= 0)
+                throw new Error("Transfer reversal identity or amount does not match.");
+            const prior = seenReversals.get(r.id);
+            if (prior) {
+                if (JSON.stringify([
+                    prior.amount,
+                    id(prior.destination_payment_refund),
+                ]) !== JSON.stringify([r.amount, id(r.destination_payment_refund)]))
+                    throw new Error("Conflicting reversal receipt identity.");
+                continue;
+            }
+            seenReversals.set(r.id, r);
+            reversed = add(reversed, r.amount);
+            const refundId = id(r.destination_payment_refund);
+            if (!refundId)
+                throw new NotReady("receipt_unavailable");
+            const refund = await request(() => stripe.refunds.retrieve(refundId, {}, { stripeAccount: opts.accountId }));
+            if (refund.id !== refundId ||
+                id(refund.charge) !== destinationPaymentId ||
+                refund.amount !== r.amount ||
+                refund.currency !== transfer.currency)
+                throw new Error("Recipient refund identity does not match its reversal.");
+            if (refund.status !== "succeeded")
+                throw new NotReady("reversal_pending");
+            const refundTransactionId = id(refund.balance_transaction);
+            if (!refundTransactionId)
+                throw new NotReady("receipt_unavailable");
+            await receipts(refundId, {
+                id: refundTransactionId,
+                amount: refund.amount,
+                currency: refund.currency,
+                sign: -1,
+            });
+        }
+        if (reversed !== transfer.amount_reversed)
+            throw new NotReady("provider_changed");
+        const latest = await request(() => stripe.transfers.retrieve(transfer.id));
+        if (fingerprint(transfer) !== fingerprint(latest))
+            throw new NotReady("provider_changed");
+        const latestLedger = await read();
+        if (!latestLedger ||
+            ledgerFingerprint(ledger) !== ledgerFingerprint(latestLedger))
+            throw new NotReady("ledger_changed");
+        let totalNet = 0, availableNet = 0, pendingCredits = 0, pendingDebits = 0;
+        const now = Math.floor(Date.now() / 1000);
+        const primary = records.get(id(payment.balance_transaction));
+        const primaryPending = primary.net > 0 &&
+            !(primary.status === "available" && primary.availableOn <= now)
+            ? primary.net
+            : 0;
+        for (const t of records.values()) {
+            totalNet = add(totalNet, t.net);
+            if (t.status === "available" && t.availableOn <= now)
+                availableNet = add(availableNet, t.net);
+            else if (t.net > 0)
+                pendingCredits = add(pendingCredits, t.net);
+            else
+                pendingDebits = add(pendingDebits, -t.net);
+        }
+        // Cancel a pending original credit first. Uncovered pending debits reduce
+        // mature credit; later positive fee credits never qualify before maturity.
+        const canceledPending = Math.min(primaryPending, pendingDebits);
+        const matureNet = add(availableNet, -(pendingDebits - canceledPending));
+        pendingCredits = add(pendingCredits, -canceledPending);
+        return {
+            status: "ready",
+            ...scope,
+            destinationPaymentId,
+            sourceAmount: transfer.amount,
+            sourceCurrency: transfer.currency,
+            settlementCurrency: settlementCurrency,
+            providerReversedAmount: transfer.amount_reversed,
+            totalNet,
+            matureNet,
+            pendingCredits,
+            ...(ledger.role ? { role: ledger.role } : {}),
+            reinstatement: ledger.reinstatement ?? false,
+            transactions: [...records.values()],
+            observedAt: Date.now(),
+        };
+    }
+    catch (error) {
+        if (error instanceof NotReady)
+            return { status: "not_ready", ...scope, reason: error.reason };
+        throw error;
+    }
+}
+//# sourceMappingURL=transferReceipt.js.map

package/dist/client/connect/transferReceipt.js.map

@@ -0,0 +1 @@
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package/dist/client/payoutPolicy.d.ts

@@ -1,3 +1,5 @@
+import { type TransferReceiptOptions } from "./connect/transferReceipt.js";
+export type * from "./connect/transferReceipt.js";
 import type Stripe from "stripe";
 import type { Infer } from "convex/values";
 import type { Component, RunCtx } from "./helpers.js";
@@ -25,6 +27,7 @@ export declare class PayoutPolicyClient {
     private readonly component;
     private readonly provider;
     constructor(component: Component, provider: () => Stripe);
+    transferReceipt(ctx: RunCtx, opts: TransferReceiptOptions): Promise<import("./payoutPolicy.js").TransferFundingReceipt>;
     get(ctx: RunCtx, scope: PayoutPolicyScope): Promise<PayoutPolicy | null>;
     operation(ctx: RunCtx, args: PayoutPolicyScope & {
         operationKey: string;

package/dist/client/payoutPolicy.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"payoutPolicy.d.ts","sourceRoot":"","sources":["../../src/client/payoutPolicy.ts"],"names":[],"mappings":"AAAA,OAAO,EAEL,KAAK,sBAAsB,EAC5B,MAAM,8BAA8B,CAAC;AACtC,mBAAmB,8BAA8B,CAAC;AAClD,OAAO,KAAK,MAAM,MAAM,QAAQ,CAAC;AACjC,OAAO,KAAK,EAAE,KAAK,EAAE,MAAM,eAAe,CAAC;AAC3C,OAAO,KAAK,EAAE,SAAS,EAAE,MAAM,EAAE,MAAM,cAAc,CAAC;AAGtD,OAAO,KAAK,EACV,SAAS,EACT,YAAY,EACZ,QAAQ,EACT,MAAM,qCAAqC,CAAC;AAM7C,MAAM,MAAM,YAAY,GAAG,KAAK,CAAC,OAAO,SAAS,CAAC,CAAC;AACnD,MAAM,MAAM,qBAAqB,GAAG,KAAK,CAAC,OAAO,YAAY,CAAC,CAAC;AAC/D,MAAM,MAAM,iBAAiB,GAAG;IAAE,SAAS,EAAE,MAAM,CAAC;IAAC,QAAQ,EAAE,MAAM,CAAA;CAAE,CAAC;AACxE,MAAM,MAAM,mBAAmB,GAAG,iBAAiB,GAAG;IACpD,YAAY,EAAE,MAAM,CAAC;IACrB,gBAAgB,EAAE,MAAM,CAAC;IACzB,IAAI,EAAE,YAAY,CAAC,MAAM,CAAC,CAAC;IAC3B,UAAU,EAAE,YAAY,CAAC,YAAY,CAAC,CAAC;IACvC,OAAO,CAAC,EAAE,IAAI,CAAC;CAChB,CAAC;AACF,MAAM,MAAM,sBAAsB,GAAG;IACnC,MAAM,EAAE,aAAa,GAAG,oBAAoB,CAAC;IAC7C,MAAM,EACF,4BAA4B,GAC5B,2BAA2B,GAC3B,qBAAqB,GACrB,qBAAqB,GACrB,kBAAkB,GAClB,mBAAmB,GACnB,0BAA0B,CAAC;CAChC,CAAC;AACF,MAAM,MAAM,cAAc,GAAG,KAAK,CAAC,OAAO,QAAQ,CAAC,CAAC;AA8BpD,mFAAmF;AACnF,qBAAa,kBAAkB;IAE3B,OAAO,CAAC,QAAQ,CAAC,SAAS;IAC1B,OAAO,CAAC,QAAQ,CAAC,QAAQ;IAF3B,YACmB,SAAS,EAAE,SAAS,EACpB,QAAQ,EAAE,MAAM,MAAM,EACrC;IACJ,eAAe,CAAC,GAAG,EAAE,MAAM,EAAE,IAAI,EAAE,sBAAsB,+DAOxD;IACK,GAAG,CACP,GAAG,EAAE,MAAM,EACX,KAAK,EAAE,iBAAiB,GACvB,OAAO,CAAC,YAAY,GAAG,IAAI,CAAC,CAM9B;IACK,SAAS,CACb,GAAG,EAAE,MAAM,EACX,IAAI,EAAE,iBAAiB,GAAG;QAAE,YAAY,EAAE,MAAM,CAAA;KAAE,GACjD,OAAO,CAAC,qBAAqB,GAAG,IAAI,CAAC,CAUvC;IACK,GAAG,CACP,GAAG,EAAE,MAAM,EACX,cAAc,EAAE;QAAE,MAAM,EAAE,MAAM,GAAG,IAAI,CAAC;QAAC,QAAQ,EAAE,MAAM,CAAA;KAAE,GAC1D,OAAO,CAAC;QACT,IAAI,EAAE,YAAY,EAAE,CAAC;QACrB,cAAc,EAAE,MAAM,CAAC;QACvB,MAAM,EAAE,OAAO,CAAC;KACjB,CAAC,CAKD;YACa,YAAY;YA4BZ,QAAQ;YAaR,kBAAkB;IAuBhC,+GAA+G;IACzG,OAAO,CACX,GAAG,EAAE,MAAM,EACX,IAAI,EAAE,mBAAmB,GACxB,OAAO,CACN;QAAE,MAAM,EAAE,UAAU,CAAC;QAAC,SAAS,EAAE,qBAAqB,CAAA;KAAE,GACxD,sBAAsB,CACzB,CAsEA;IACD,sGAAsG;IAChG,KAAK,CACT,GAAG,EAAE,MAAM,EACX,IAAI,EAAE,iBAAiB,GAAG;QAAE,YAAY,EAAE,MAAM,CAAA;KAAE,GACjD,OAAO,CACN;QAAE,MAAM,EAAE,OAAO,CAAC;QAAC,SAAS,EAAE,qBAAqB,CAAA;KAAE,GACrD;QAAE,MAAM,EAAE,gBAAgB,CAAA;KAAE,GAC5B;QAAE,MAAM,EAAE,UAAU,CAAC;QAAC,SAAS,EAAE,qBAAqB,CAAA;KAAE,GACxD,sBAAsB,CACzB,CA8FA;IACD,kGAAkG;IAC5F,MAAM,CACV,GAAG,EAAE,MAAM,EACX,KAAK,EAAE,iBAAiB,GACvB,OAAO,CACN;QAAE,MAAM,EAAE,UAAU,CAAC;QAAC,MAAM,EAAE,YAAY,CAAC;QAAC,eAAe,EAAE,IAAI,CAAA;KAAE,GACnE;QACE,MAAM,EACJ,gBAAgB,GAAG,mBAAmB,GAAG,gBAAgB,GAAG,SAAS,CAAC;KACzE,GACD,sBAAsB,CACzB,CAeA;IACD,8FAA8F;IACxF,MAAM,CAAC,GAAG,EAAE,MAAM,EAAE,KAAK,EAAE,iBAAiB;gBA/HpC,OAAO;mBAAa,qBAAqB;;gBACzC,gBAAgB;;gBAChB,UAAU;mBAAa,qBAAqB;;gBAgIrC,SAAS;OAqB7B;CACF"}

package/dist/client/payoutPolicy.js

@@ -1,3 +1,4 @@
+import { getTransferFundingReceipt, } from "./connect/transferReceipt.js";
 import { runMutationOrThrow } from "./helpers.js";
 import { componentRef } from "./webhooks/helpers.js";
 import { canonicalSchedule, canonicalThresholds, validateScope, } from "../component/payoutPolicy/helpers.js";
@@ -33,6 +34,9 @@ export class PayoutPolicyClient {
         this.component = component;
         this.provider = provider;
     }
+    transferReceipt(ctx, opts) {
+        return getTransferFundingReceipt(this.provider(), this.component, ctx, opts);
+    }
     async get(ctx, scope) {
         validateScope(scope);
         return ctx.runQuery(componentRef(this.component, "payoutPolicy/queries/get"), { accountId: scope.accountId, ownerKey: scope.ownerKey });

package/dist/client/payoutPolicy.js.map

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package/docs/settlement.md

@@ -218,3 +218,53 @@ numeric payout-floor field, and retained balance reserves are not payout trigger
 Sources: [payout schedules](https://docs.stripe.com/connect/manage-payout-schedule),
 [manual payout holding limits](https://docs.stripe.com/connect/manual-payouts), and
 [Dashboard control limits](https://docs.stripe.com/connect/platform-controls-for-stripe-dashboard-accounts#control-payout-timing).
+
+## Verified recipient funding receipts
+
+Use `stripe.payoutPolicy.transferReceipt(ctx, { accountId, stripeTransferId })`
+in an authorized action to read a transfer's actual recipient funding. The
+reader binds the component ledger to the provider transfer, destination payment,
+original balance transaction and each transfer reversal's recipient refund.
+It verifies account, amount, currency and source identities, and rechecks the
+transfer and ledger before publishing a result. It performs no financial writes.
+
+A `ready` result contains exact signed recipient settlement transactions and
+`totalNet`, `matureNet`, and `pendingCredits`. `sourceCurrency` describes the
+original transfer; `settlementCurrency` describes the actual recipient balance.
+For supported FX receipts, amounts come directly from Stripe's settlement
+transactions; the reader does not calculate exchange-rate conversions. Mixed
+settlement currencies or missing conversion evidence require explicit allocation.
+Transaction `created` and `availableOn` values are Unix seconds; the snapshot's
+`observedAt` is milliseconds.
+
+Positive credits qualify as mature only when their provider status is available
+and their availability date has passed. Pending debits first cancel the matching
+pending original credit; uncovered pending debits reduce mature credit. Other
+positive pending adjustments never qualify early. Signed mature debt is preserved.
+For example, in one settlement currency's minor units:
+
+| Original credit | Reversal/debit | Total net | Mature net | Pending credits |
+| --------------- | -------------- | --------: | ---------: | --------------: |
+| 1000 pending    | 250 pending    |       750 |          0 |             750 |
+| 1000 available  | 250 pending    |       750 |        750 |               0 |
+| 1000 pending    | 1000 pending   |         0 |          0 |               0 |
+| 1000 pending    | 250 available  |       750 |       -250 |            1000 |
+
+This is **received credit, not still-unpaid entitlement**. Previous bank payouts,
+source allocations, recovery liabilities and outstanding reservations must be
+reconciled before any release. Do not pay `matureNet` directly or infer ownership
+from unrelated account-wide available funds. Stripe's balance-transaction
+`payout` filter maps automatic payouts only; application-created manual payouts
+need a maintained allocation ledger.
+
+The default budget is 20 provider requests; `maxRequests` accepts 1–100. Exhausted
+or incomplete history returns `not_ready` without partial financial totals.
+Reserved reversal claims, changing provider/ledger snapshots and unavailable
+receipts also fail closed. Identity mismatches and invalid financial arithmetic
+throw. Larger histories need continued reconciliation rather than treating the
+missing amount as zero or silently truncating it. The original transfer ledger
+remains intact for retries.
+
+Sources: [transfer provenance](https://docs.stripe.com/api/transfers/object),
+[receipt maturity](https://docs.stripe.com/api/balance_transactions/object), and
+[history pagination and payout-filter limits](https://docs.stripe.com/api/balance_transactions/list).

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@fantastic.dev/better-stripe",
-  "version": "0.18.0",
+  "version": "0.19.0",
   "description": "A Convex component for Stripe V2 Accounts API integration.",
   "keywords": [
     "stripe",