@hyperscale0/udl 1.0.0-beta.1 → 1.0.0

package/conformance/invalid/invalid-exposure-shape.udl

@@ -0,0 +1,1819 @@
+{
+  "instruments": [
+    {
+      "actionOrder": [
+        "create",
+        "fund_piece_1",
+        "accept_commitment",
+        "cancel",
+        "abandon"
+      ],
+      "actions": {
+        "abandon": {
+          "moves": [],
+          "publicAction": "abandonLenderCommitment",
+          "requiresDrainedAccount": {
+            "path": "refs.escrowAccountId"
+          },
+          "steps": [],
+          "summary": "Abandon the settlement before any money is held"
+        },
+        "accept_commitment": {
+          "effects": {
+            "decides": [
+              {
+                "signature": "decides.tenant_port",
+                "source": "port"
+              }
+            ],
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ]
+          },
+          "input": {
+            "additionalProperties": false,
+            "properties": {
+              "acceptanceReference": {
+                "description": "Required decision reference retained in the operation receipt",
+                "maxLength": 180,
+                "minLength": 1,
+                "type": "string"
+              }
+            },
+            "required": [
+              "acceptanceReference"
+            ],
+            "type": "object"
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.committedAmount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "lender_commitment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "accept_commitment"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "refs.escrowAccountId"
+                }
+              },
+              "capture": {
+                "acceptCommitmentTransferTransferId": "transferId"
+              },
+              "key": "transfer",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "port": {
+            "allowedParties": [
+              "beneficiary"
+            ]
+          },
+          "publicAction": "acceptCommitmentLenderCommitment",
+          "steps": [],
+          "summary": "Confirm through accept_commitment and start the release payout"
+        },
+        "cancel": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.committedAmount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.lenderAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "lender_commitment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "cancel"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "refs.escrowAccountId"
+                }
+              },
+              "capture": {
+                "cancelTransferTransferId": "transferId"
+              },
+              "key": "transfer",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "cancelLenderCommitment",
+          "steps": [],
+          "summary": "Cancel the settlement and start the unwind"
+        },
+        "create": {
+          "moves": [],
+          "publicAction": "createLenderCommitment",
+          "steps": [
+            {
+              "bind": {
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "owner.id": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "owner.type": {
+                  "from": "const",
+                  "value": "product"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "role": {
+                  "from": "const",
+                  "value": "product_escrow"
+                }
+              },
+              "capture": {
+                "escrowAccountId": "accountId"
+              },
+              "operation": "account.escrow.provision"
+            }
+          ],
+          "summary": "Create a lender commitment settlement"
+        },
+        "fund_piece_1": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.collection.pay_in",
+                "source": "moves[0]"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.committedAmount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "refs.escrowAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "lender_commitment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "fund_piece_1"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.lenderAccountId"
+                }
+              },
+              "capture": {
+                "fundPiece1TransferTransferId": "transferId"
+              },
+              "key": "transfer",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "fundPiece1LenderCommitment",
+          "steps": [],
+          "summary": "Fund piece 1 of the held amount into escrow"
+        }
+      },
+      "description": "Held payment: the lender funds committedAmount into this settlement's own escrow; servicing pool confirms through accept_commitment to release",
+      "fields": {
+        "committedAmount": {
+          "description": "The held amount in SAR minor units, funded and paid out whole",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "currency": {
+          "description": "ISO 4217 currency code",
+          "maxLength": 3,
+          "minLength": 3,
+          "pattern": "^[A-Z]{3}$",
+          "type": "string"
+        },
+        "lenderAccountId": {
+          "description": "The lender account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        },
+        "platformAccountId": {
+          "description": "The product fee collection account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-fee-collection-port": true,
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance",
+              "product_revenue"
+            ]
+          }
+        },
+        "servicingPoolAccountId": {
+          "description": "The servicing pool account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        }
+      },
+      "id": "lender_commitment",
+      "idPrefix": "lc",
+      "lifecycle": {
+        "initial": "created",
+        "states": [
+          "created",
+          "funded",
+          "released",
+          "cancelled",
+          "abandoned"
+        ],
+        "transitions": {
+          "abandon": {
+            "from": [
+              "created"
+            ],
+            "to": "abandoned"
+          },
+          "accept_commitment": {
+            "from": [
+              "funded"
+            ],
+            "to": "released"
+          },
+          "cancel": {
+            "from": [
+              "funded"
+            ],
+            "to": "cancelled"
+          },
+          "fund_piece_1": {
+            "from": [
+              "created"
+            ],
+            "to": "funded"
+          }
+        }
+      },
+      "parties": {
+        "beneficiary": "servicingPoolAccountId",
+        "payer": "lenderAccountId"
+      },
+      "required": [
+        "lenderAccountId",
+        "servicingPoolAccountId",
+        "platformAccountId",
+        "committedAmount",
+        "currency"
+      ],
+      "summary": "Escrow-held payment from lender to servicing pool",
+      "title": "Lender commitment"
+    },
+    {
+      "actionOrder": [
+        "create",
+        "approve",
+        "advance",
+        "collect_installment_1",
+        "mark_installment_1_delinquent",
+        "collect_installment_2",
+        "mark_installment_2_delinquent",
+        "complete",
+        "write_off"
+      ],
+      "actions": {
+        "advance": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.principalAmount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.borrowerProceedsAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "borrower_loan"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "advance"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                }
+              },
+              "capture": {
+                "advanceAdvanceTransferId": "transferId"
+              },
+              "key": "advance",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "advanceBorrowerLoan",
+          "steps": [],
+          "summary": "Advance the principal to the borrower proceeds; the internal ledger receipt is the confirmation"
+        },
+        "approve": {
+          "moves": [],
+          "publicAction": "approveBorrowerLoan",
+          "steps": [],
+          "summary": "Approve the immutable principal partition and stored anchors"
+        },
+        "collect_installment_1": {
+          "due": {
+            "field": "firstRepaymentDueAt"
+          },
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_aggregate",
+                "source": "requiresAggregate"
+              }
+            ],
+            "schedules": [
+              {
+                "signature": "schedules.due",
+                "source": "due"
+              }
+            ]
+          },
+          "moves": [],
+          "requiresAggregate": [
+            {
+              "check": {
+                "amountField": "amount",
+                "kind": "sum_exactly",
+                "targetField": "installment1Amount"
+              },
+              "instrumentId": "borrower_loan_installment_1_payment",
+              "over": "children",
+              "refField": "borrowerLoanId",
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Close delinquent installment 1 after linked payments reach its stored amount"
+        },
+        "collect_installment_2": {
+          "due": {
+            "field": "firstRepaymentDueAt",
+            "offset": "P30D"
+          },
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_aggregate",
+                "source": "requiresAggregate"
+              }
+            ],
+            "schedules": [
+              {
+                "signature": "schedules.due",
+                "source": "due"
+              }
+            ]
+          },
+          "moves": [],
+          "requiresAggregate": [
+            {
+              "check": {
+                "amountField": "amount",
+                "kind": "sum_exactly",
+                "targetField": "installment2Amount"
+              },
+              "instrumentId": "borrower_loan_installment_2_payment",
+              "over": "children",
+              "refField": "borrowerLoanId",
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Close delinquent installment 2 after linked payments reach its stored amount"
+        },
+        "complete": {
+          "due": {
+            "field": "firstRepaymentDueAt",
+            "offset": "P30D"
+          },
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_aggregate",
+                "source": "requiresAggregate"
+              }
+            ],
+            "schedules": [
+              {
+                "signature": "schedules.due",
+                "source": "due"
+              }
+            ]
+          },
+          "moves": [],
+          "requiresAggregate": [
+            {
+              "check": {
+                "amountField": "amount",
+                "kind": "sum_exactly",
+                "targetField": "installment1Amount"
+              },
+              "instrumentId": "borrower_loan_installment_1_payment",
+              "over": "children",
+              "refField": "borrowerLoanId",
+              "statuses": [
+                "paid"
+              ]
+            },
+            {
+              "check": {
+                "amountField": "amount",
+                "kind": "sum_exactly",
+                "targetField": "installment2Amount"
+              },
+              "instrumentId": "borrower_loan_installment_2_payment",
+              "over": "children",
+              "refField": "borrowerLoanId",
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Close the obligation only after every stored anchor is paid exactly"
+        },
+        "create": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.platformFee"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.platformAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "borrower_loan"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "create"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.borrowerAccountId"
+                }
+              },
+              "capture": {
+                "createDerivedAmountTransferId": "transferId"
+              },
+              "key": "derived_amount",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "createBorrowerLoan",
+          "steps": [],
+          "summary": "Create a borrower loan obligation"
+        },
+        "mark_installment_1_delinquent": {
+          "due": {
+            "field": "firstRepaymentDueAt"
+          },
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_aggregate",
+                "source": "requiresAggregate"
+              }
+            ],
+            "schedules": [
+              {
+                "signature": "schedules.due",
+                "source": "due"
+              }
+            ]
+          },
+          "moves": [],
+          "requiresAggregate": [
+            {
+              "check": {
+                "amountField": "amount",
+                "kind": "sum_below",
+                "targetField": "installment1Amount"
+              },
+              "instrumentId": "borrower_loan_installment_1_payment",
+              "over": "children",
+              "refField": "borrowerLoanId",
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "setsAt": {
+            "field": "installment1DelinquentAfter",
+            "marker": true,
+            "offset": "PT1S"
+          },
+          "steps": [],
+          "summary": "Mark installment 1 delinquent only when its due anchor is unmet"
+        },
+        "mark_installment_2_delinquent": {
+          "due": {
+            "field": "firstRepaymentDueAt",
+            "offset": "P30D"
+          },
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_aggregate",
+                "source": "requiresAggregate"
+              }
+            ],
+            "schedules": [
+              {
+                "signature": "schedules.due",
+                "source": "due"
+              }
+            ]
+          },
+          "moves": [],
+          "requiresAggregate": [
+            {
+              "check": {
+                "amountField": "amount",
+                "kind": "sum_below",
+                "targetField": "installment2Amount"
+              },
+              "instrumentId": "borrower_loan_installment_2_payment",
+              "over": "children",
+              "refField": "borrowerLoanId",
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "setsAt": {
+            "field": "installment2DelinquentAfter",
+            "marker": true,
+            "offset": "PT1S"
+          },
+          "steps": [],
+          "summary": "Mark installment 2 delinquent only when its due anchor is unmet"
+        },
+        "write_off": {
+          "moves": [],
+          "publicAction": "writeOffBorrowerLoan",
+          "steps": [],
+          "summary": "Write off the remaining exposure without moving money"
+        }
+      },
+      "aggregateInvariants": [
+        {
+          "childField": "amount",
+          "childInstrumentId": "borrower_loan_installment_1_payment",
+          "childRefField": "borrowerLoanId",
+          "childStatuses": [
+            "paid"
+          ],
+          "parentField": "installment1Amount"
+        },
+        {
+          "childField": "amount",
+          "childInstrumentId": "borrower_loan_installment_2_payment",
+          "childRefField": "borrowerLoanId",
+          "childStatuses": [
+            "paid"
+          ],
+          "parentField": "installment2Amount"
+        }
+      ],
+      "derivedAmounts": [
+        {
+          "field": "platformFee",
+          "rounding": "floor",
+          "rule": {
+            "bps": 200,
+            "kind": "percentage_of"
+          },
+          "sourceField": "principalAmount"
+        }
+      ],
+      "description": "Installment obligation for borrower; borrower pays servicing pool against exact stored anchors",
+      "fields": {
+        "borrowerAccountId": {
+          "description": "The borrower account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        },
+        "borrowerProceedsAccountId": {
+          "description": "The borrower proceeds account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        },
+        "currency": {
+          "description": "ISO 4217 currency code",
+          "maxLength": 3,
+          "minLength": 3,
+          "pattern": "^[A-Z]{3}$",
+          "type": "string"
+        },
+        "firstRepaymentDueAt": {
+          "description": "Due date of the first installment; later anchors use fixed offsets of P30D",
+          "format": "hyperscale-date-time",
+          "type": "string"
+        },
+        "installment1Amount": {
+          "description": "Stored amount for installment 1 of 2 (carries the integer-division remainder)",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "installment1DelinquentAfter": {
+          "description": "Machine-set marker proving installment 1 reached its stored due date while unpaid",
+          "format": "hyperscale-date-time",
+          "type": "string"
+        },
+        "installment2Amount": {
+          "description": "Stored amount for installment 2 of 2",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "installment2DelinquentAfter": {
+          "description": "Machine-set marker proving installment 2 reached its stored due date while unpaid",
+          "format": "hyperscale-date-time",
+          "type": "string"
+        },
+        "platformAccountId": {
+          "description": "The product fee collection account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-fee-collection-port": true,
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance",
+              "product_revenue"
+            ]
+          }
+        },
+        "platformFee": {
+          "description": "Machine-computed 2% of principalAmount; callers never supply it",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "principalAmount": {
+          "description": "The principal in SAR minor units; the stored installment anchors partition it exactly",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "servicingPoolAccountId": {
+          "description": "The servicing pool account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        }
+      },
+      "id": "borrower_loan",
+      "idPrefix": "bl",
+      "lifecycle": {
+        "initial": "draft",
+        "states": [
+          "draft",
+          "approved",
+          "active",
+          "installment_1_delinquent",
+          "installment_2_delinquent",
+          "written_off",
+          "repaid"
+        ],
+        "transitions": {
+          "advance": {
+            "from": [
+              "approved"
+            ],
+            "to": "active"
+          },
+          "approve": {
+            "from": [
+              "draft"
+            ],
+            "to": "approved"
+          },
+          "collect_installment_1": {
+            "from": [
+              "installment_1_delinquent",
+              "installment_2_delinquent"
+            ],
+            "to": "active"
+          },
+          "collect_installment_2": {
+            "from": [
+              "installment_1_delinquent",
+              "installment_2_delinquent"
+            ],
+            "to": "active"
+          },
+          "complete": {
+            "from": [
+              "active",
+              "installment_1_delinquent",
+              "installment_2_delinquent"
+            ],
+            "to": "repaid"
+          },
+          "mark_installment_1_delinquent": {
+            "from": [
+              "active",
+              "installment_2_delinquent"
+            ],
+            "to": "installment_1_delinquent"
+          },
+          "mark_installment_2_delinquent": {
+            "from": [
+              "active",
+              "installment_1_delinquent"
+            ],
+            "to": "installment_2_delinquent"
+          },
+          "write_off": {
+            "from": [
+              "draft",
+              "approved",
+              "active",
+              "installment_1_delinquent",
+              "installment_2_delinquent"
+            ],
+            "to": "written_off"
+          }
+        }
+      },
+      "parties": {
+        "beneficiary": "borrowerProceedsAccountId"
+      },
+      "partitions": [
+        {
+          "pieceFields": [
+            "installment1Amount",
+            "installment2Amount"
+          ],
+          "totalField": "principalAmount"
+        }
+      ],
+      "required": [
+        "borrowerProceedsAccountId",
+        "servicingPoolAccountId",
+        "borrowerAccountId",
+        "platformAccountId",
+        "currency",
+        "principalAmount",
+        "firstRepaymentDueAt",
+        "installment1Amount",
+        "installment2Amount"
+      ],
+      "summary": "2-anchor obligation for borrower",
+      "title": "Borrower loan"
+    },
+    {
+      "actionOrder": [
+        "create",
+        "repay",
+        "refund"
+      ],
+      "actions": {
+        "create": {
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [],
+          "publicAction": "createBorrowerLoanInstallment1Payment",
+          "requiresRefs": [
+            {
+              "bind": {
+                "borrowerAccountId": "fields.borrowerAccountId",
+                "currency": "fields.currency",
+                "servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "field": "borrowerLoanId",
+              "statuses": [
+                "active",
+                "installment_1_delinquent",
+                "installment_2_delinquent"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Create a payment record for installment 1"
+        },
+        "refund": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ],
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.amount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.borrowerAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "borrower_loan_installment_1_payment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "refund"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                }
+              },
+              "capture": {
+                "refundRefundTransferId": "transferId"
+              },
+              "key": "refund",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "refundBorrowerLoanInstallment1Payment",
+          "requiresRefs": [
+            {
+              "field": "borrowerLoanId",
+              "match": {
+                "fields.borrowerAccountId": "fields.borrowerAccountId",
+                "fields.currency": "fields.currency",
+                "fields.servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "statuses": [
+                "active",
+                "installment_1_delinquent",
+                "installment_2_delinquent"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Refund this one stored installment 1 payment whole"
+        },
+        "repay": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ],
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.amount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "borrower_loan_installment_1_payment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "repay"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.borrowerAccountId"
+                }
+              },
+              "capture": {
+                "repayRepaymentTransferId": "transferId"
+              },
+              "key": "repayment",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "repayBorrowerLoanInstallment1Payment",
+          "requiresExposure": [
+            {
+              "amountField": "amount",
+              "anchorField": "borrowerLoanId",
+              "capField": "installment1Amount",
+              "capOnAnchor": true,
+              "childInstrumentId": 7,
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "requiresRefs": [
+            {
+              "field": "borrowerLoanId",
+              "match": {
+                "fields.borrowerAccountId": "fields.borrowerAccountId",
+                "fields.currency": "fields.currency",
+                "fields.servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "statuses": [
+                "active",
+                "installment_1_delinquent",
+                "installment_2_delinquent"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Pay a partial or full amount against installment 1"
+        }
+      },
+      "description": "One partial or full payment bound to installment 1 of borrower_loan; the operation name fixes the anchor and borrowerLoanId fixes the obligation",
+      "fields": {
+        "amount": {
+          "description": "Positive payment amount capped with its paid siblings at installment1Amount",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "borrowerAccountId": {
+          "description": "The borrower account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        },
+        "borrowerLoanId": {
+          "description": "The exact borrower loan this payment belongs to",
+          "pattern": "^bl_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string"
+        },
+        "currency": {
+          "description": "ISO 4217 currency code",
+          "maxLength": 3,
+          "minLength": 3,
+          "pattern": "^[A-Z]{3}$",
+          "type": "string"
+        },
+        "servicingPoolAccountId": {
+          "description": "The servicing pool account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        }
+      },
+      "id": "borrower_loan_installment_1_payment",
+      "idPrefix": "zzaa",
+      "lifecycle": {
+        "initial": "created",
+        "states": [
+          "created",
+          "paid",
+          "refunded"
+        ],
+        "transitions": {
+          "refund": {
+            "from": [
+              "paid"
+            ],
+            "to": "refunded"
+          },
+          "repay": {
+            "from": [
+              "created"
+            ],
+            "to": "paid"
+          }
+        }
+      },
+      "parties": {
+        "beneficiary": "servicingPoolAccountId",
+        "payer": "borrowerAccountId"
+      },
+      "required": [
+        "servicingPoolAccountId",
+        "borrowerAccountId",
+        "amount",
+        "currency",
+        "borrowerLoanId"
+      ],
+      "summary": "Anchor-bound payment for installment 1",
+      "title": "Borrower loan Installment 1 Payment"
+    },
+    {
+      "actionOrder": [
+        "create",
+        "repay",
+        "refund"
+      ],
+      "actions": {
+        "create": {
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [],
+          "publicAction": "createBorrowerLoanInstallment2Payment",
+          "requiresRefs": [
+            {
+              "bind": {
+                "borrowerAccountId": "fields.borrowerAccountId",
+                "currency": "fields.currency",
+                "servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "field": "borrowerLoanId",
+              "statuses": [
+                "active",
+                "installment_1_delinquent",
+                "installment_2_delinquent"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Create a payment record for installment 2"
+        },
+        "refund": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ],
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.amount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.borrowerAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "borrower_loan_installment_2_payment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "refund"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                }
+              },
+              "capture": {
+                "refundRefundTransferId": "transferId"
+              },
+              "key": "refund",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "refundBorrowerLoanInstallment2Payment",
+          "requiresRefs": [
+            {
+              "field": "borrowerLoanId",
+              "match": {
+                "fields.borrowerAccountId": "fields.borrowerAccountId",
+                "fields.currency": "fields.currency",
+                "fields.servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "statuses": [
+                "active",
+                "installment_1_delinquent",
+                "installment_2_delinquent"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Refund this one stored installment 2 payment whole"
+        },
+        "repay": {
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ],
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "fields.amount"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "borrower_loan_installment_2_payment"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "repay"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.borrowerAccountId"
+                }
+              },
+              "capture": {
+                "repayRepaymentTransferId": "transferId"
+              },
+              "key": "repayment",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "repayBorrowerLoanInstallment2Payment",
+          "requiresExposure": [
+            {
+              "amountField": "amount",
+              "anchorField": "borrowerLoanId",
+              "capField": "installment2Amount",
+              "capOnAnchor": true,
+              "childInstrumentId": "borrower_loan_installment_2_payment",
+              "statuses": [
+                "paid"
+              ]
+            }
+          ],
+          "requiresRefs": [
+            {
+              "field": "borrowerLoanId",
+              "match": {
+                "fields.borrowerAccountId": "fields.borrowerAccountId",
+                "fields.currency": "fields.currency",
+                "fields.servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "statuses": [
+                "active",
+                "installment_1_delinquent",
+                "installment_2_delinquent"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Pay a partial or full amount against installment 2"
+        }
+      },
+      "description": "One partial or full payment bound to installment 2 of borrower_loan; the operation name fixes the anchor and borrowerLoanId fixes the obligation",
+      "fields": {
+        "amount": {
+          "description": "Positive payment amount capped with its paid siblings at installment2Amount",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "borrowerAccountId": {
+          "description": "The borrower account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        },
+        "borrowerLoanId": {
+          "description": "The exact borrower loan this payment belongs to",
+          "pattern": "^bl_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string"
+        },
+        "currency": {
+          "description": "ISO 4217 currency code",
+          "maxLength": 3,
+          "minLength": 3,
+          "pattern": "^[A-Z]{3}$",
+          "type": "string"
+        },
+        "servicingPoolAccountId": {
+          "description": "The servicing pool account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        }
+      },
+      "id": "borrower_loan_installment_2_payment",
+      "idPrefix": "zzab",
+      "lifecycle": {
+        "initial": "created",
+        "states": [
+          "created",
+          "paid",
+          "refunded"
+        ],
+        "transitions": {
+          "refund": {
+            "from": [
+              "paid"
+            ],
+            "to": "refunded"
+          },
+          "repay": {
+            "from": [
+              "created"
+            ],
+            "to": "paid"
+          }
+        }
+      },
+      "parties": {
+        "beneficiary": "servicingPoolAccountId",
+        "payer": "borrowerAccountId"
+      },
+      "required": [
+        "servicingPoolAccountId",
+        "borrowerAccountId",
+        "amount",
+        "currency",
+        "borrowerLoanId"
+      ],
+      "summary": "Anchor-bound payment for installment 2",
+      "title": "Borrower loan Installment 2 Payment"
+    },
+    {
+      "actionOrder": [
+        "create",
+        "snapshot_lender_claims"
+      ],
+      "actions": {
+        "create": {
+          "moves": [],
+          "publicAction": "createRepaymentDistribution",
+          "steps": [],
+          "summary": "Open entitlement recording"
+        },
+        "snapshot_lender_claims": {
+          "captureInput": {
+            "snapshotEvidenceReference": "evidenceReference"
+          },
+          "effects": {
+            "decides": [
+              {
+                "signature": "decides.tenant_port",
+                "source": "port"
+              }
+            ]
+          },
+          "input": {
+            "additionalProperties": false,
+            "properties": {
+              "evidenceReference": {
+                "description": "Required decision reference retained in the operation receipt",
+                "maxLength": 180,
+                "minLength": 1,
+                "type": "string"
+              }
+            },
+            "required": [
+              "evidenceReference"
+            ],
+            "type": "object"
+          },
+          "moves": [],
+          "port": {
+            "allowedParties": [
+              "payer"
+            ]
+          },
+          "publicAction": "snapshotLenderClaimsRepaymentDistribution",
+          "steps": [],
+          "summary": "Freeze the entitlement set from stored evidence"
+        }
+      },
+      "aggregateInvariants": [
+        {
+          "childInstrumentId": "repayment_distribution_entitlement",
+          "childRefField": "repaymentDistributionId",
+          "childStatuses": [
+            "recorded",
+            "paid"
+          ],
+          "count": true,
+          "parentField": "maxRecipients"
+        }
+      ],
+      "description": "Evidence-frozen weighted distribution",
+      "fields": {
+        "currency": {
+          "description": "ISO 4217 currency code",
+          "maxLength": 3,
+          "minLength": 3,
+          "pattern": "^[A-Z]{3}$",
+          "type": "string"
+        },
+        "distributableAmount": {
+          "description": "Distribution pool in SAR minor units",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "maxRecipients": {
+          "const": 250,
+          "description": "Exactly 250 frozen entitlement rows",
+          "type": "integer"
+        },
+        "returnRecordAt": {
+          "description": "Stored record date",
+          "format": "hyperscale-date-time",
+          "type": "string"
+        },
+        "servicingPoolAccountId": {
+          "description": "The servicing pool account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        }
+      },
+      "id": "repayment_distribution",
+      "idPrefix": "rd",
+      "lifecycle": {
+        "initial": "open",
+        "states": [
+          "open",
+          "snapshotted"
+        ],
+        "transitions": {
+          "snapshot_lender_claims": {
+            "from": [
+              "open"
+            ],
+            "to": "snapshotted"
+          }
+        }
+      },
+      "parties": {
+        "payer": "servicingPoolAccountId"
+      },
+      "required": [
+        "servicingPoolAccountId",
+        "currency",
+        "distributableAmount",
+        "returnRecordAt",
+        "maxRecipients"
+      ],
+      "summary": "Frozen largest-remainder distribution",
+      "title": "Repayment distribution"
+    },
+    {
+      "actionOrder": [
+        "create",
+        "payout"
+      ],
+      "actions": {
+        "create": {
+          "effects": {
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [],
+          "publicAction": "createRepaymentDistributionEntitlement",
+          "requiresRefs": [
+            {
+              "bind": {
+                "currency": "fields.currency",
+                "servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "field": "repaymentDistributionId",
+              "statuses": [
+                "open"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Record one entitlement before snapshot"
+        },
+        "payout": {
+          "distribute": {
+            "amountRef": "payoutShare",
+            "onZero": "skip_steps",
+            "pool": {
+              "from": "parent",
+              "path": "fields.distributableAmount"
+            },
+            "refField": "repaymentDistributionId",
+            "statuses": [
+              "recorded",
+              "paid"
+            ],
+            "weightField": "committedWeight"
+          },
+          "effects": {
+            "moves": [
+              {
+                "signature": "moves.transfer.internal",
+                "source": "moves[0]"
+              }
+            ],
+            "reads": [
+              {
+                "signature": "reads.requires_refs",
+                "source": "requiresRefs"
+              }
+            ]
+          },
+          "moves": [
+            {
+              "bind": {
+                "amount": {
+                  "from": "instance",
+                  "path": "refs.payoutShare"
+                },
+                "currency": {
+                  "from": "instance",
+                  "path": "fields.currency"
+                },
+                "destinationAccountId": {
+                  "from": "instance",
+                  "path": "fields.lenderAccountId"
+                },
+                "metadata.instrumentId": {
+                  "from": "const",
+                  "value": "repayment_distribution_entitlement"
+                },
+                "metadata.instrumentInstanceId": {
+                  "from": "instance",
+                  "path": "instrumentInstanceId"
+                },
+                "metadata.phase": {
+                  "from": "const",
+                  "value": "payout"
+                },
+                "productId": {
+                  "from": "instance",
+                  "path": "productId"
+                },
+                "sourceAccountId": {
+                  "from": "instance",
+                  "path": "fields.servicingPoolAccountId"
+                }
+              },
+              "capture": {
+                "payoutPayoutTransferId": "transferId"
+              },
+              "key": "payout",
+              "operation": "internal_transfer.create"
+            }
+          ],
+          "publicAction": "payoutRepaymentDistributionEntitlement",
+          "requiresRefs": [
+            {
+              "field": "repaymentDistributionId",
+              "match": {
+                "fields.currency": "fields.currency",
+                "fields.servicingPoolAccountId": "fields.servicingPoolAccountId"
+              },
+              "statuses": [
+                "snapshotted"
+              ]
+            }
+          ],
+          "steps": [],
+          "summary": "Pay the deterministic largest-remainder share once"
+        }
+      },
+      "description": "One frozen weighted entitlement in repayment_distribution",
+      "fields": {
+        "committedWeight": {
+          "description": "Stored non-negative entitlement weight",
+          "pattern": "^[1-9][0-9]{0,17}$",
+          "type": "string"
+        },
+        "currency": {
+          "description": "ISO 4217 currency code",
+          "maxLength": 3,
+          "minLength": 3,
+          "pattern": "^[A-Z]{3}$",
+          "type": "string"
+        },
+        "lenderAccountId": {
+          "description": "The lender account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        },
+        "repaymentDistributionId": {
+          "description": "The exact repayment_distribution",
+          "pattern": "^rd_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string"
+        },
+        "servicingPoolAccountId": {
+          "description": "The servicing pool account",
+          "pattern": "^acct_(sandbox|live)_[a-z0-9]{8,64}$",
+          "type": "string",
+          "x-hyperscale-reference-filter": {
+            "column": "role",
+            "values": [
+              "customer_balance"
+            ]
+          }
+        }
+      },
+      "id": "repayment_distribution_entitlement",
+      "idPrefix": "zzac",
+      "lifecycle": {
+        "initial": "recorded",
+        "states": [
+          "recorded",
+          "paid"
+        ],
+        "transitions": {
+          "payout": {
+            "from": [
+              "recorded"
+            ],
+            "to": "paid"
+          }
+        }
+      },
+      "parties": {
+        "beneficiary": "lenderAccountId",
+        "payer": "servicingPoolAccountId"
+      },
+      "required": [
+        "lenderAccountId",
+        "servicingPoolAccountId",
+        "currency",
+        "repaymentDistributionId",
+        "committedWeight"
+      ],
+      "summary": "Frozen entitlement in repayment_distribution",
+      "title": "Repayment distribution Entitlement"
+    }
+  ],
+  "product": "crowdfunding_p2p",
+  "subjects": [],
+  "title": "Crowdfunding and peer lending",
+  "udl": 1,
+  "version": 1
+}
+