RCV-8807ReceivableKENet 30via whatsapp

Kilimo Fresh Exporters

Agriculture · INV-2026-04455

At stake

Ksh 1,240,000.00

Expected recovery under this decision Ksh 825,344.00

Ageing

38 days past due

Fell due 25 July 2026

Engine decision

Email reminderLow confidence

Weighed score 51. 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 extracted5 signals from 5 records

Against it

No consent for the working channelCONSENT_MISSING_PRIMARY_CHANNEL
Kilimo Fresh Exporters is worked over WhatsApp, but no consent for that channel is recorded. Consent for messaging channels was never captured at onboarding.
Consent governance — restricts which channels may be used, rather than the outcome · traced to EV-8807-02
+0
Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of Ksh 14,200,000.00 across 19 months exceeds your Ksh 6,450,000.00 guard, and 1 order is currently open.
Lifetime value guard · traced to EV-8807-05
-8

Context

Past duePAST_DUE
Invoice INV-2026-04455 for Ksh 1,240,000.00 fell due on 25 July 2026, 38 days ago.
Invoice ageing: 31-60 days · traced to EV-8807-01
+16
Propensity to settle unaidedPROPENSITY
Payment behaviour scores 64 of 100 on 4 settled invoices, with a median pay lag of 19 days after terms and a spread of 3 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8807-03
-7
Contact headroom remainsCONTACT_HEADROOM
0 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8807-04
+0

Step 2 — what it producedwould go out over email

Outreach — INV-2026-04455

Message

Invoice INV-2026-04455 for Ksh 1,240,000.00 fell due on 25 July 2026 and is currently outstanding. If it is already scheduled for payment, a date is all we need. If something is holding it up, tell us what and we will sort it out.

Exhibits attached

EV-8807-02 — Channel consent · Setliva consent_KF-9012
EV-8807-05 — Account profile · Salesforce acct_KF-9012

Step 3 — self-checkReleased

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

digest 97a49b2f156eecf0 · the same case always produces this digest

The record5 items

InvoiceEV-8807-01
Zoho Books · INV-2026-04455 · captured 25 Jun 2026
amount_minor
124000000
currency
KES
terms
Net 30
Channel consentEV-8807-02
Setliva · consent_KF-9012 · captured 10 Jan 2026
whatsapp
false
voice
false
sms
false
email
true
note
Consent for messaging channels was never captured at onboarding.
Payment history, 18 monthsEV-8807-03
Zoho Books · cust_KF-9012 · captured 01 Sept 2026
rows
2026-06-25|2026-07-14|98000000;2026-05-25|2026-06-11|112000000;2026-04…
invoices_paid
11
invoices_written_off
0
partial_payments
3
Contact attempts, trailing 7 daysEV-8807-04
Setliva · log_KF-9012 · captured 01 Sept 2026
attempts_last_7_days
0
last_contact_at
2026-08-11T08:30:00Z
last_channel
email
responded
false
Account profileEV-8807-05
Salesforce · acct_KF-9012 · captured 01 Sept 2026
lifetime_value_minor
1420000000
relationship_months
19
open_orders
1
timezone
Africa/Nairobi

Propensity to settle unaided64/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles a median 19 days after terms.	+4
Consistency Pay timing varies by only 3 days across invoices.	+10

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.evaluated08:43:30
5 signals extracted; digest 97a49b2f156eecf0
adc854eaf8e9145531204cd4…
decision.scored08:43:31
score 51 gives reminder_email
d4f7939a7710b071f026efd0…