MERCHANT SETTLEMENT BRIDGE — REPRODUCIBILITY KIT v1.1
Companion to:
https://treasurydesk.io/merchant-gross-to-net-settlement-bridge/

SYNTHETIC / ILLUSTRATIVE — NOT A CUSTOMER CASE

PURPOSE
-------
This kit reproduces the bounded synthetic EUR example used in the Treasury Desk article
"From Card Sales to Bank Cash: A Merchant Gross-to-Net Settlement Bridge."

All merchant records, dates, amounts, identifiers, fees and opening balances in this kit
are illustrative assumptions. This is not customer data.

REQUIREMENTS
------------
- Python 3
- Python standard library only
- No network access is required by the calculation script

HOW TO RUN
----------
From the root of the extracted kit:

  python model/C02_2026-09-28_CALCULATE_BRIDGE_v1_1.py

On Windows, if "python" is not mapped to Python 3, you can usually use:

  py -3 model\C02_2026-09-28_CALCULATE_BRIDGE_v1_1.py

EXPECTED CONSOLE RESULT
-----------------------
  53 checks PASS; net EUR2,474.00; bank EUR1,466.50; transit EUR1,000.00; unexplained EUR7.50

KEY EXPECTED RESULTS
--------------------
- Settled gross: EUR 2,700.00
- Issued payouts / net processor movement: EUR 2,474.00
- Observed bank credits: EUR 1,466.50
- Documented-in-example in transit: EUR 1,000.00
- Unexplained residual: EUR 7.50
- Restricted deposit closing control: EUR 260.00
- Captured carry closing control: EUR 100.00
- Processor payable closing control: EUR 0.00

The EUR 7.50 residual is intentionally left open. Do not infer a bank fee, FX difference,
timing adjustment or loss without evidence.

FILES
-----
model/C02_2026-09-28_CALCULATE_BRIDGE_v1_1.py
  Reproducible calculation and executable checks.

model/C02_2026-09-28_SYNTHETIC_ASSUMPTIONS_v1_0.json
model/C02_2026-09-28_SYNTHETIC_POS_INPUTS_v1_0.csv
model/C02_2026-09-28_SYNTHETIC_EVENTS_v1_0.csv
model/C02_2026-09-28_SYNTHETIC_ORIGINAL_TRANSACTIONS_v1_0.csv
model/C02_2026-09-28_SYNTHETIC_PAYOUTS_v1_0.csv
model/C02_2026-09-28_SYNTHETIC_BANK_RECORDS_v1_0.csv
  Frozen synthetic inputs.

model/C02_2026-09-28_EXCEPTION_REGISTER_v1_0.csv
  Open-item / monitoring register for the synthetic example.

model/C02_2026-09-28_CALCULATION_RESULTS_v1_1.json
  Expected calculation output before re-running the script. Running the script regenerates
  this file in place.

internal/
  Empty in the distributed kit. The current script writes a derived Markdown check report
  into this directory when it runs. No Treasury Desk internal review, prompt, evidence-pack,
  Drive, governance or QA artifacts are included in this public kit.

SCOPE AND LIMITS
----------------
- This kit is a teaching / review artifact, not a production parser.
- It is not an accounting policy, provider configuration, fee schedule, tax opinion,
  legal opinion, audit opinion or reconciliation assurance.
- It does not connect to Adyen, Stripe, a bank, a merchant account or Treasury Desk systems.
- It does not execute payments or other external actions.
- FX, DCC, installments, tax classification and production ingestion are outside the model.
- Booked bank credits in the example do not establish unconditional cash availability.
- Passing the executable checks does not close the synthetic bank reconciliation.

SOURCE FILE SHA-256
-------------------
The source bytes included in this ZIP were verified before packaging:

  152b28c1a9168d5cc1b852d2314cb4aee310a4134aa0d93254a2d2666724f831  model/C02_2026-09-28_CALCULATE_BRIDGE_v1_1.py
  e6790499a61408af488fe254f1431a93ae97a95f1c970849fe26a350e785f3ce  model/C02_2026-09-28_CALCULATION_RESULTS_v1_1.json
  4c939b6354f5b9aa42e5cf291a8404bdf436715cb8b9fdf0383edceb8cdab6ba  model/C02_2026-09-28_EXCEPTION_REGISTER_v1_0.csv
  852a229e93ca523f8f538b4787e37adb89f778e1d63998f92f42ff6f9ce9e695  model/C02_2026-09-28_SYNTHETIC_ASSUMPTIONS_v1_0.json
  6a6fd9e9301fd5715fb820d1e51bde5f2545be51ddb01996b328db2abdc5481f  model/C02_2026-09-28_SYNTHETIC_BANK_RECORDS_v1_0.csv
  9555fcf6dc2c9eab39890f88e4cfe3c32dfb86cb753c157e6380148416d97e13  model/C02_2026-09-28_SYNTHETIC_EVENTS_v1_0.csv
  74aa772cb18d01a6ac91857b6971cb068653187275827970b641d46b60ca88bf  model/C02_2026-09-28_SYNTHETIC_ORIGINAL_TRANSACTIONS_v1_0.csv
  ad5435fb3a80c9ef82cfac230806ebd563a21cd0f2e9ebac5fad1fc83fbd63be  model/C02_2026-09-28_SYNTHETIC_PAYOUTS_v1_0.csv
  4ea100004322b974c016765a2f91b69c6f01a76c1345bff3ef72969bc8917399  model/C02_2026-09-28_SYNTHETIC_POS_INPUTS_v1_0.csv

ARTICLE
-------
https://treasurydesk.io/merchant-gross-to-net-settlement-bridge/
