Ack clock
1 hour
Owner acknowledges the payout and names the reviewer.
Irreversible payment with compensation
A payout that cannot be reversed. The receipt is issued before release and binds 1, 8, and 48-hour clocks and a compensation commitment.
{
"schema_version": "1.0.0",
"receipt_id": "RCP-2026-1362",
"issued_at": "2026-06-19T16:21:33Z",
"owner": { "name": "Payments Risk", "role": "System owner" },
"subject": { "id": "txn-22098", "type": "payment" },
"action": { "class": "TRANSFER", "description": "Release irreversible payout", "reversible": false },
"decision": { "decision_type": "payout_release", "reason_codes": ["RISK-LOW"] },
"clocks": { "ack": { "hours": 1 }, "review": { "hours": 8 }, "remedy": { "hours": 48 } },
"appeal_path": { "url": "/appeals/payout", "channel": "in-app form" }
}
Clocks
Short review windows for irreversible actions
Each clock states when review and remedy are due.
Review clock
8 hours
Human review checks for fraud, sanctions, or payout errors.
Remedy clock
48 hours
Compensation, reversal substitute, or dispute resolution begins.
Exceptions
Exceptions require immediate logging
An AML or legal hold leaves the receipt and the clocks in place.
- Legal holds can pause payout but must keep clocks active.
- Security escalations require steward sign-off and audit trace.
- Exception entries live in the Exceptions framework.
Remedy
Compensation is the default fallback
A payout that cannot be undone must have a compensation path.
- Issue credits or chargebacks within the remedy clock.
- Provide a human review escalation path within 24 hours.
- Notify impacted parties with evidence pack references.
Bindings
Bind the payout to enforceable artifacts
Release gates and evidence packs give an auditor the record of each payout.
- Add payout checks to release gates.
- Attach evidence packs to payout receipts.
- Reference decision log entries.
Glossary anchors
Glossary anchors used
Glossary terms that bind this example's clocks, artifacts, and ownership.