Merchant Deal Replay

Twelve months of merchant deals, replayed through today’s rules

Every historical deal was evaluated in-process by Sentrik’s real decision engine and sealed as a hash-chained, Ed25519-signed Retrospective Evaluation Record — a retrospective determination of how each deal would be dispositioned, not an authorization.

Engine: CPL policy mdr-boarding-v1 · used_cpl trueThresholds v1Try the live Deal Desk →

Total deals

383

Total monthly volume

$1,218,388,242.55

Margin $ at risk (sections 1–2)

$413,415.58

approve

266

69.5% of deals

condition

9.4% of deals

flag

4.2% of deals

escalate

17.0% of deals

The four findings

OCC principle · Merchant-level profitability

Deals below the margin thresholds you provide

87 deals · $408,720.58 margin shortfall

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OCC principle · Consistent exceptions

Fee, equipment, commission and cost exceptions outside policy

30 deals · $4,695.00 cost leakage

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OCC principle · Defined authority

Exceptions without documented, authorized approval — and, where records exist, whether the approval was within authority

66 deals · $360,618.57 exposure lacking authorized approval

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The four findings

Deals below the margin thresholds you provide

Fee, equipment, commission and cost exceptions outside policy

Exceptions without documented, authorized approval — and, where records exist, whether the approval was within authority

How today's rules would approve, condition, flag or escalate each historical deal