Setlivapolicy 2026.3Demonstration tenant
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RCV-8809ReceivableUSNet 30via email

Cascade Interiors LLC

Construction · INV-2026-03980

At stake
$62,400.00
Expected recovery under this decision $21,216.00
Ageing
89 days past due
Fell due 4 June 2026
Engine decision
Hold and waitHigh confidence
Decided by gate G-CONTACT-CAP, bypassing the score of 73.
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 extracted4 signals from 5 records
Against it
  • Contact frequency cap reachedCONTACT_CAP_REACHED

    7 contact attempts have been made in the trailing seven days, at your cap of 7.

    Routed by a hard gate; excluded from the score · traced to EV-8809-02

    +0
  • Relationship guard appliesRELATIONSHIP_GUARD

    Lifetime value of $310,000.00 across 22 months exceeds your $50,000.00 guard, and 0 orders are currently open.

    Lifetime value guard · traced to EV-8809-05

    -8
Context
  • Past duePAST_DUE

    Invoice INV-2026-03980 for $62,400.00 fell due on 4 June 2026, 89 days ago.

    Invoice ageing: over 60 days · traced to EV-8809-01

    +22
  • Propensity to settle unaidedPROPENSITYcited

    Payment behaviour scores 34 of 100 on 3 settled invoices, with a median pay lag of 46 days after terms and a spread of 4 days.

    Propensity to settle unaided, inverted into intervention pressure · traced to EV-8809-03

    +8
Step 2 — hard gatesThese bypass the score entirely
  • Contact frequency cap reachedG-CONTACT-CAPdecided this case

    Your cap of 7 attempts in seven days is exhausted. No further outreach is permitted on this account until the window rolls.

Step 3the position it takesnone

No action — INV-2026-03980

Why nothing is being sent

Your cap of 7 attempts in seven days is exhausted. No further outreach is permitted on this account until the window rolls.

PROPENSITY

Exhibits attached
  1. EV-8809-02Contact attempts, trailing 7 days · Setliva log_CA-3301
  2. EV-8809-05Account profile · Salesforce acct_CA-3301

Step 4 — self-checkReleased

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

digest 1af4622861dacefc · the same case always produces this digest

The record5 items
  • InvoiceEV-8809-01
    QuickBooks · INV-2026-03980 · captured 05 May 2026
    amount_minor
    6240000
    currency
    USD
    terms
    Net 30
  • Contact attempts, trailing 7 daysEV-8809-02
    Setliva · log_CA-3301 · captured 01 Sept 2026
    attempts_last_7_days
    7
    last_contact_at
    2026-08-31T16:40:00Z
    last_channel
    voice
    responded
    false
    channels_used
    email,email,voice,email,sms,voice,email
  • Payment history, 24 monthsEV-8809-03
    QuickBooks · cust_CA-3301 · captured 01 Sept 2026
    rows
    2026-04-04|2026-05-28|4180000;2026-03-04|2026-04-19|3920000;2026-02-04…
    invoices_paid
    8
    invoices_written_off
    1
    partial_payments
    4
  • Channel consentEV-8809-04
    Setliva · consent_CA-3301 · captured 14 Jun 2025
    whatsapp
    false
    voice
    true
    sms
    true
    email
    true
  • Account profileEV-8809-05
    Salesforce · acct_CA-3301 · captured 01 Sept 2026
    lifetime_value_minor
    31000000
    relationship_months
    22
    open_orders
    0
    timezone
    America/Los_Angeles
Propensity to settle unaided34/100
Base rate
Starting position before any account evidence.
+50
Median pay lag
Settles a median 46 days after terms.
-14
Consistency
Pay timing varies by only 4 days across invoices.
+10
Write-offs
1 prior invoices were written off on this account.
-8
Part-payment pattern
Settles in instalments more often than in full — expect a plan, not a payment.
-4

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

Your decision
Your verdict on the engine’s decision
Audit trail2 events
  • case.evaluated08:45:00
    4 signals extracted; digest 1af4622861dacefc
    d71f4695c7e7bd377eb93868
  • decision.gated08:45:01
    G-CONTACT-CAP fired, giving await
    d00ec760d9fd5f8dedf05bf5