Setlivapolicy 2026.3Demonstration tenant
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RCV-8819ReceivableNGNet 45via whatsapp

Onyeka Industrial Holdings

Manufacturing · INV-2026-03884

At stake
₦12,800,000.00
Expected recovery under this decision ₦8,192,000.00
Ageing
67 days past due
Fell due 26 June 2026
Engine decision
To a humanModerate confidence
Weighed score 79. 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 6 records
For acting now
  • Broken promises to payBROKEN_PROMISES

    2 promises to pay have been broken out of 3 mades; the most recent was ₦6,000,000.00 due 22 August 2026.

    Promises broken against your escalation threshold · traced to EV-8819-03

    +22
Against it
  • Relationship guard appliesRELATIONSHIP_GUARD

    Lifetime value of ₦240,000,000.00 across 67 months exceeds your ₦79,000,000.00 guard, and 9 orders are currently open.

    Lifetime value guard · traced to EV-8819-02

    -8
Context
  • Past duePAST_DUE

    Invoice INV-2026-03884 for ₦12,800,000.00 fell due on 26 June 2026, 67 days ago.

    Invoice ageing: over 60 days · traced to EV-8819-01

    +22
  • Propensity to settle unaidedPROPENSITYcited

    Payment behaviour scores 64 of 100 on 4 settled invoices, with a median pay lag of 39 days after terms and a spread of 3 days.

    Propensity to settle unaided, inverted into intervention pressure · traced to EV-8819-04

    -7
  • Contact headroom remainsCONTACT_HEADROOM

    2 of the permitted 7 contact attempts in the trailing seven days have been used.

    Contact frequency governance · traced to EV-8819-06

    +0
Step 2the position it takesnone

No action — INV-2026-03884

Why nothing is being sent

Propensity to settle unaided is 64 of 100 and the invoice is inside the window where contact costs more than it returns.

PROPENSITY

Exhibits attached
  1. EV-8819-02Account profile · Salesforce acct_ON-4412
  2. EV-8819-03Promises to pay · Setliva ptp_ON-4412

Step 3 — self-checkReleased

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

digest 803e564d86ef2fcf · the same case always produces this digest

The record6 items
  • InvoiceEV-8819-01
    Zoho Books · INV-2026-03884 · captured 12 May 2026
    amount_minor
    1280000000
    currency
    NGN
    terms
    Net 45
    po_reference
    PO-91002
  • Account profileEV-8819-02
    Salesforce · acct_ON-4412 · captured 01 Sept 2026
    lifetime_value_minor
    24000000000
    relationship_months
    67
    open_orders
    9
    timezone
    Africa/Lagos
    account_tier
    strategic
  • Promises to payEV-8819-03
    Setliva · ptp_ON-4412 · captured 25 Aug 2026
    promises_made
    3
    promises_kept
    1
    promises_broken
    2
    last_promise_at
    2026-08-08T00:00:00Z
    last_promise_amount_minor
    600000000
    + 2 more fields
  • Payment history, 24 monthsEV-8819-04
    Zoho Books · cust_ON-4412 · captured 01 Sept 2026
    rows
    2026-04-26|2026-06-10|980000000;2026-03-26|2026-05-04|1120000000;2026-…
    invoices_paid
    34
    invoices_written_off
    0
    partial_payments
    12
  • Channel consentEV-8819-05
    Setliva · consent_ON-4412 · captured 19 Feb 2024
    whatsapp
    true
    voice
    true
    sms
    true
    method
    signed_supply_agreement
  • Contact attempts, trailing 7 daysEV-8819-06
    Setliva · log_ON-4412 · captured 01 Sept 2026
    attempts_last_7_days
    2
    last_contact_at
    2026-08-28T15:20:00Z
    last_channel
    whatsapp
    responded
    true
Propensity to settle unaided64/100
Base rate
Starting position before any account evidence.
+50
Median pay lag
Settles a median 39 days after terms.
-6
Consistency
Pay timing varies by only 3 days across invoices.
+10
Promise keeping
1 of 3 promises to pay were kept.
-3
Responsiveness
The most recent contact attempt was answered.
+8
Tenure
67 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
Your verdict on the engine’s decision
Audit trail2 events
  • case.evaluated08:52:30
    5 signals extracted; digest 803e564d86ef2fcf
    7c69f094119a4ecf76a5d7b2
  • decision.scored08:52:31
    score 79 gives escalate_human
    8a42f87008c2b1349823bee0