Created 7 todos Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps) Searched for files matching `**/settlement_core/**/*.ex`, 48 matches Read all settlement_core files Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/switch_dump_record.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/payout_batch.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/qr_scheme_dump_record.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/eod_file_generator.ex#1-1), lines 1 to 500 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/payout_item.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_transaction.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/bin_table.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_file_audit.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/ysp_summary.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/reconciliation_exception.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/aani_settlement_audit.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_mis.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/transaction_operation.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/pos_settlement.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/refund/csv_parser.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/refund/processor.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/transaction.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/mms/mdr_template.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/mms/card_type.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/mms/mcc_mdr_rate.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/mms/merchant.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/mms/mdr_rate.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/mms/merchant_metadata.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/sftp_fetcher.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/csv_parser.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/scheduler.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/sftp_client.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/processor.ex#1-1), lines 1 to 500 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/core_transaction_sync.ex#1-1), lines 1 to 500 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/core_transaction_sync.ex#500-500), lines 500 to 546 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/eod_file_generator.ex#500-500), lines 500 to 548 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/processor.ex#500-500), lines 500 to 606 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/sync_log.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/merchant_adjustment.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/application.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_management.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/interchange_rate.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_mis_item.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/transaction_eod_generator.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/dump_file.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/core_transaction.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/context.ex#1-1), lines 1 to 700 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/schema.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/merchant_batch_number.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_file.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/jobs/sftp_file_retrieval.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/alipay_plus/jobs/settlement_file_processing.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/workers/eod_file_generation_worker.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/workers/transaction_sync_worker.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/context.ex#700-700), lines 700 to 871 Read [](file:///home/prem/.vscode-server/data/User/workspaceStorage/2cbb0c24ce3ac44610ba3a4bc8066c63/GitHub.copilot-chat/chat-session-resources/7fb0f60e-9ad1-42f2-9133-bce70b943e98/toolu_bdrk_01DZAjrWtpAHCoA38J8G1k1H__vscode-1772771857839/content.txt) Starting: *Check TID Master implementation* (4/7) Now let me check what web/API layer exists for settlement features and look for the risk_core integration, TID master, and any missing pieces. Check web/API and risk layers Searched for regex `settlement|reconciliation|payout|mis|adjustment|exception` (`**/apps/platform_web/lib/**`), 50 results Ran terminal command: find /home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/risk_core/lib/ -type f | head -100 Searched for regex `tid_master|TidMaster`, no results Searched for regex `merchant_bank|iban|registered_mobile|registered_email`, 30 results Searched for text `chargeback`, 30 results Searched for regex `bank_api|bank_sftp|payout_transmit|payment_instruction`, no results Searched for regex `email|notification|mailer|swoosh|mpr|vat_invoice|settlement_advice` (`**/apps/**/*.ex`), 50 results Ran terminal command: find /home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/priv/ -type f 2>/dev/null | head -50 Ran terminal command: find /home/prem/mercurypay/tms_new_version/tmsuat_apps/priv/repo/migrations/ -name "*settlement*" -o -name "*payout*" -o -name "*adjustment*" -o -name "*reconcil*" -o -name "*mis_*" -o -name "*exception*" -o -name "*core_transaction*" | sort Ran terminal command: find /home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/ -type f | sort Ran terminal command: find /home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/ -type f -name "*.ex" | sort Read [](file:///home/prem/.vscode-server/data/User/workspaceStorage/2cbb0c24ce3ac44610ba3a4bc8066c63/GitHub.copilot-chat/chat-session-resources/7fb0f60e-9ad1-42f2-9133-bce70b943e98/toolu_bdrk_01YHVSzhuDJwojafs7yrqBdX__vscode-1772771857905/content.txt) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/router.ex#1-1), lines 1 to 300 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/settlement_controller.ex#1-1), lines 1 to 200 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/risk_management_controller.ex#1-1), lines 1 to 200 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/dispute_controller.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/emails.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/risk_core/lib/risk_core.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/risk_core/lib/risk_core/context.ex#1-1), lines 1 to 200 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/merchant_settlement_summary_controller.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/settlement_controller.ex#200-200), lines 200 to 400 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/settlement_webhook_controller.ex#1-1), lines 1 to 50 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/refund_settlement_controller.ex#1-1), lines 1 to 100 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/payout_batch.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/payout_item.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_mis.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/merchant_adjustment.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/reconciliation_exception.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_mis_item.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/core_transaction.ex#1-1), lines 1 to 100 Searched for regex `mpr|vat_invoice|settlement_advice|merchant_payment_report`, 20 results Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/live/risk_management_live/supervisor_dashboard.ex#1-1), lines 1 to 100 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/risk_core/lib/risk_core/workers/transaction_risk_evaluator.ex#1-1), lines 1 to 100 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/context.ex#1-1), lines 1 to 200 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/settlement_management.ex) Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/settlement_core/lib/settlement_core/eod_file_generator.ex#1-1), lines 1 to 80 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/risk_core/lib/risk_core/context.ex#200-200), lines 200 to 854 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/docs/settlement_recon/Settlement_reports_completion.txt#1-1), lines 1 to 100 Read [](file:///home/prem/mercurypay/tms_new_version/tmsuat_apps/apps/platform_web/lib/platform_web/controllers/settlement_controller.ex#400-400), lines 400 to 937 Read [](file:///home/prem/.vscode-server/data/User/workspaceStorage/2cbb0c24ce3ac44610ba3a4bc8066c63/GitHub.copilot-chat/chat-session-resources/7fb0f60e-9ad1-42f2-9133-bce70b943e98/toolu_bdrk_01DCZGES3xWp7cPgCgXnaWk7__vscode-1772771857894/content.txt) Starting: *Compile gap analysis* (7/7) Let me also check the reconciliation orchestration logic — the doc describes a "Reconciliation Engine" that runs as a daily pipeline. Searched for regex `reconcil|recon_engine|daily_recon|run_reconciliation|perform_reconciliation` (`**/*.ex`), 27 results Searched for regex `def reconcile|def run_daily|def match_dump|def process_dump|def generate_mis|def generate_settlement_mis` (`**/*.ex`), no results Completed: *Compile gap analysis* (7/7) Here is the full gap analysis of the `feature/settlement-recon-core` branch against the Settlement_reports_completion.txt requirements: --- ## Gap Analysis: Implementation vs Requirements ### Legend - **DONE** = Fully implemented - **PARTIAL** = Schema/scaffolding exists, business logic incomplete - **NOT BUILT** = No code exists --- ### A. TID Master (Requirement §1) | Requirement | Status | Detail | |---|---|---| | Unified TID Master table with all onboarding fields | **NOT BUILT** | No `tid_masters` schema. Merchant data is fragmented across `shukria_mms` tables (`merchants`, `merchant_metadata`, `mdr_templates`, `mdr_rates`). Fields like **Store ID, QRID, Merchant Bank Name, Bank A/c Number, IBAN, Virtual IBAN, Registered Mobile/Email, Onboarding Source/Date, Last Transaction Date/Amount** have no dedicated schema | | Additional blank fields for future use | **NOT BUILT** | — | --- ### B. Transaction Dump (Requirement §2) | Requirement | Status | Detail | |---|---|---| | Transaction record per card/QR transaction | **DONE** | `core_transactions` table is the unified operational record with `source_type` (POS/QR) | | Key fields (MID, TID, RRN, Auth, STAN, etc.) | **DONE** | All recon keys present | | Switch Settled Dump Date field | **DONE** | `switch_settled_date` field on `core_transactions` | | Reversal Status, Void, Refund tracking | **PARTIAL** | `refund_status`/`refund_date` exist; **no explicit `reversal_status` (Y/N) or Void status field** - the `transaction_type` field can hold "VOID" but there's no dedicated tracking | | PAN, Card Holder Name, Customer Mobile, Country | **PARTIAL** | `masked_pan` exists; **no `card_holder_name`, `customer_mobile_number`, or `country` fields** | --- ### C. Switch Settled Dump / QR Schemes Dump Ingestion (Requirement §3) | Requirement | Status | Detail | |---|---|---| | Daily dump file ingestion from SFTP/email | **PARTIAL** | `DumpFile` schema tracks uploads; `SwitchDumpRecord` and `QrSchemeDumpRecord` schemas model individual records. **But no SFTP client/poller to automatically retrieve YSP switch files** — only AlipayPlus SFTP is implemented | | File parsing and import into DB | **NOT BUILT** | No CSV/file parser for YSP switch dump files (only AlipayPlus CSV parser exists) | --- ### D. Reconciliation Engine (Requirement §4) — Target: 6:00 AM daily | Requirement | Status | Detail | |---|---|---| | **4.1** Consume daily switch/QR dump files | **PARTIAL** | Schemas exist (`DumpFile`, `SwitchDumpRecord`, `QrSchemeDumpRecord`) but **no orchestrator module** (`ReconciliationEngine.run_daily/1` or similar) that drives the end-to-end daily pipeline | | **4.2** 1:1 RRN matching (RRN + TID + Amount + Date + Auth) | **PARTIAL** | Match fields defined in schemas with `match_changeset/2`, unique constraints on recon keys. **No actual matching logic implemented** — no function iterates switch dump records and queries `core_transactions` to perform the 1:1 match | | **4.3** Update `switch_settled_date` on `core_transactions` | **PARTIAL** | Field exists, `status_changeset/2` can update it. **No code orchestrates this update after a match** | | **4.4** Refund transaction handling (update refund status on original txn) | **PARTIAL** | `refund_status`/`refund_date` fields on `core_transactions`. Refund CSV processor exists but **doesn't update `core_transactions` refund fields** — it only creates settlement records | | **5.1** Exception: In switch dump but not in Mercury | **PARTIAL** | `ReconciliationException` schema with `exception_type` supports this. **No code generates these exception records** | | **5.2** Exception: Outstanding in Mercury (blank switch_settled_date) | **PARTIAL** | Same — schema ready, **no query/report generator** | | **5.3** Exception: Void transaction matched in switch dump | **PARTIAL** | Same | | **5.4** Exception: Duplicate transaction in switch dump | **PARTIAL** | Same | | Exception reports on interface + cumulative MIS | **NOT BUILT** | No web UI or API for viewing exception reports | | Finance team email notification for exceptions | **NOT BUILT** | No email module | | "Hold" marking on exception transactions | **PARTIAL** | `core_transactions.exception_type` field exists, **no code sets it** | --- ### E. Settlement Engine (Requirement §5) — Target: 7:00 AM daily | Requirement | Status | Detail | |---|---|---| | **5.1** Consume switch dump + apply Transaction Monitoring Rules | **PARTIAL** | `core_transactions` has `risk_hold`, `risk_rule_name`. Risk rules are fully implemented in `risk_core`. **No code applies risk rules during settlement MIS generation** | | **5.1b** Check outstanding chargeback recovery per MID | **NOT BUILT** | No chargeback tracking module; only a `chargeback_hold` boolean field | | **5.1c** Check LACR (Loan against card receivables) | **NOT BUILT** | Explicitly stated "Phase 2" in requirements | | **5.2** Mark "Risk Hold" on flagged transactions | **PARTIAL** | Field exists; risk evaluator worker can flag. **No integration during batch settlement processing** | | **5.3** Adjustment interface (single + bulk) | **PARTIAL** | `MerchantAdjustment` schema with approval workflow. **No web UI, no API endpoint, no bulk upload** | | **5.4** MDR + Transaction Fee + VAT calculation | **DONE** | `CoreTransactionSync.apply_mdr_to_batch_rows/5` calculates MDR, VAT (5%), and net amount. MDR resolution chain (merchant → MCC fallback) is implemented | | **5.5** Chargeback recovery deduction from payout | **NOT BUILT** | No code checks/deducts chargeback during payout | | **5.6** Settlement MIS (Payment Output MIS) generation | **PARTIAL** | `SettlementMis` and `SettlementMisItem` schemas with 2-level approval workflow. **No code actually generates/populates MIS records from `core_transactions`** | | **5.7a** Finance 2-level approval on interface | **PARTIAL** | `l1_approve_changeset`, `l2_approve_changeset`, `reject_changeset` exist in schema. **No web UI or API endpoint** to trigger approvals | | **5.7c** Download Settlement MIS | **PARTIAL** | CSV download exists for legacy settlement data. **No MIS-specific download** | | **5.8** Aggregated Payout File generation + bank transmission | **PARTIAL** | `PayoutBatch` + `PayoutItem` schemas exist with `transmit_changeset`. **No code generates payout files, encrypts them, or transmits via SFTP/API** | | **5.9** Auto MPR email to merchants | **NOT BUILT** | No MPR template, no mailer module | | **5.10** Encrypted payout file to bank | **NOT BUILT** | No encryption module | | **5.11** Bank confirmation receipt | **NOT BUILT** | `bank_confirm_changeset` exists in `PayoutItem` but **no webhook/SFTP receiver** for bank ACK | | **5.12** Settlement Advice email to merchants | **NOT BUILT** | No Settlement Advice template or mailer | | **5.13** VAT invoice + VAT MIS auto-generation | **NOT BUILT** | No VAT invoice schema, template, or mailer | | **5.14** Risk/Chargeback release → next-day settlement | **PARTIAL** | Schema supports status transitions. **No code adds released transactions to next day's MIS** | | **5.15** Exception report release → next-day settlement | **PARTIAL** | `ReconciliationException.release_changeset` exists. **No code feeds released exceptions into settlement** | | **5.16** Payment rejection re-initiation | **NOT BUILT** | No rejection handling or re-payout workflow | --- ### F. Reference Data | Item | Status | Detail | |---|---|---| | BIN Table | **PARTIAL** | Schema exists with `bin_from_pan/1`. **No data loaded** — TODO in code: "awaiting data file from YSP" | | Interchange Rate Table | **PARTIAL** | Schema exists with `rate_query/3`. **No data loaded** — TODO in code: "awaiting data file from YSP" | --- ### Summary Scorecard | Component | Completion | Critical Gaps | |---|---|---| | **TID Master** | ~10% | No unified schema | | **Transaction Dump** | ~85% | Missing card_holder_name, customer_mobile, country, explicit reversal_status | | **Dump File Ingestion** | ~30% | No SFTP poller for YSP; no switch file parser | | **Reconciliation Engine** | ~25% | Schemas ready; **no matching logic, no daily orchestrator, no exception generation** | | **Settlement Engine (MDR/Fees)** | ~80% | MDR calculation done; VAT at 5% done | | **Settlement MIS + Approval** | ~30% | Schema + approval workflow done; **no MIS generation logic, no UI/API** | | **Merchant Adjustments** | ~25% | Schema done; **no UI, no API, no bulk upload** | | **Payout Pipeline** | ~15% | Schema done; **no generation, encryption, transmission, or bank confirmation** | | **Risk ↔ Settlement Integration** | ~40% | Risk rules implemented; **not wired into settlement batch processing** | | **Chargeback Management** | ~10% | Only boolean flags; no lifecycle, no recovery tracking | | **Notifications (MPR/Advice/VAT)** | ~5% | Only Swoosh dependency exists; no settlement email modules | | **Bank Integration** | ~10% | Schema only; no actual bank SFTP/API | ### Top Priority Gaps (blocking end-to-end flow) 1. **Reconciliation Engine orchestrator** — the daily pipeline that matches switch dump records against `core_transactions` and generates exceptions (Requirement §4.2–5.4) 2. **Settlement MIS generation** — code to aggregate approved `core_transactions` into `settlement_mis` / `settlement_mis_items` (Requirement §5.6) 3. **Finance Approval UI/API** — controllers + LiveView for 2-level MIS approval (Requirement §5.7) 4. **Payout file generation + bank transmission** — end-to-end payout pipeline (Requirement §5.8–5.11) 5. **YSP Switch dump file SFTP fetch + parser** — automated daily ingestion (Requirement §3) 6. **Merchant Adjustment UI/API** — interface for debit/credit adjustments with dropdown categories (Requirement §5.3) 7. **Notification modules** — MPR, Settlement Advice, VAT Invoice emails (Requirements §5.9, 5.12, 5.13)