RCV-8801ReceivableNGNet 30via whatsapp

Adeyemi Logistics Ltd

Freight & logistics · INV-2026-04417

At stake

₦425,000.00

Expected recovery under this decision ₦361,250.00

Ageing

18 days past due

Fell due 14 August 2026

Engine decision

Hold and waitHigh confidence

Weighed score 42. Receivables have no single floor — the ladder is driven by propensity, ageing and consent.

The engine’s working

Streamed as it happens. Real timings are scaled down so the run is watchable.

·Idle. The decision below is already computed; running replays how it was reached.

Step 1 — the facts it extracted3 signals from 5 records

Against it

Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 85 of 100 on 6 settled invoices, with a median pay lag of 13 days after terms and a spread of 3 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8801-02
-17

Context

Past duePAST_DUE
Invoice INV-2026-04417 for ₦425,000.00 fell due on 14 August 2026, 18 days ago.
Invoice ageing: 15-30 days · traced to EV-8801-01
+10
Contact headroom remainsCONTACT_HEADROOM
1 of the permitted 7 contact attempt in the trailing seven days has been used.
Contact frequency governance · traced to EV-8801-04
+0

Step 2 — the position it takesnone

Why nothing is being sent

Propensity to settle unaided is 85 of 100 and the invoice is inside the window where contact costs more than it returns.

PROPENSITY

Exhibits attached

Step 3 — self-checkReleased

Every assertion in this artifact resolves to a record on the case. Nothing withheld.

digest 266952a7741c63a4 · the same case always produces this digest

The record5 items

InvoiceEV-8801-01
Zoho Books · INV-2026-04417 · captured 15 Jul 2026
amount_minor
42500000
currency
NGN
terms
Net 30
po_reference
PO-88213
Payment history, 24 monthsEV-8801-02
Zoho Books · cust_AD-1182 · captured 01 Sept 2026
rows
2026-07-14|2026-07-27|380000000;2026-06-14|2026-06-25|412000000;2026-0…
invoices_paid
22
invoices_written_off
0
partial_payments
1
Channel consentEV-8801-03
Setliva · consent_AD-1182 · captured 02 Nov 2025
whatsapp
true
voice
true
sms
true
captured_at
2025-11-02T00:00:00Z
method
signed_supply_agreement
Contact attempts, trailing 7 daysEV-8801-04
Setliva · log_AD-1182 · captured 01 Sept 2026
attempts_last_7_days
1
last_contact_at
2026-08-27T10:12:00Z
last_channel
whatsapp
responded
true
Account profileEV-8801-05
Salesforce · acct_AD-1182 · captured 01 Sept 2026
lifetime_value_minor
840000000
relationship_months
41
open_orders
3
timezone
Africa/Lagos

Propensity to settle unaided85/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles a median 13 days after terms.	+12
Consistency Pay timing varies by only 3 days across invoices.	+10
Responsiveness The most recent contact attempt was answered.	+8
Tenure 41 months of trading history.	+5

Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.

Your decision

Audit trail2 events

case.evaluated08:39:00
3 signals extracted; digest 266952a7741c63a4
a1f020f8b0d73f84be7a22aa…
decision.scored08:39:01
score 42 gives await
b73cc035fe0a8e7a86b4f12e…