RCV-8823ReceivableBRNet 30via whatsapp

Serra Agropecuária Ltda

Agriculture · INV-2026-04301

At stake

R$ 128.400,00

Expected recovery under this decision R$ 96.351,36

Ageing

33 days past due

Fell due 30 July 2026

Engine decision

WhatsApp nudgeLow confidence

Weighed score 39. 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

Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of R$ 2.900.000,00 across 52 months exceeds your R$ 271.000,00 guard, and 2 orders are currently open.
Lifetime value guard · traced to EV-8823-05
-8
Seasonal settlement patternSEASONAL_PATTERN
Settles reliably around the harvest receipts cycle.
Documented seasonal settlement cycle · traced to EV-8823-02
-10

Context

Past duePAST_DUE
Invoice INV-2026-04301 for R$ 128.400,00 fell due on 30 July 2026, 33 days ago.
Invoice ageing: 31-60 days · traced to EV-8823-01
+16
Propensity to settle unaidedPROPENSITY
Payment behaviour scores 67 of 100 on 5 settled invoices, with a median pay lag of 33 days after terms and a spread of 3 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8823-02
-8
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-8823-04
+0

Step 2 — what it producedwould go out over whatsapp

Outreach — INV-2026-04301

Message

Hello — a quick note on invoice INV-2026-04301 for R$ 128.400,00, which was due on 30 July 2026. Could you let us know when the balance will be settled? If it is easier to send it in parts, tell us and we will set that up.

Exhibits attached

EV-8823-02 — Payment history, 36 months · Omie cust_SE-5510
EV-8823-05 — Account profile · Salesforce acct_SE-5510

Step 3 — self-checkReleased

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

digest 45c3fba2cf6e9b6e · the same case always produces this digest

The record5 items

InvoiceEV-8823-01
Omie · INV-2026-04301 · captured 30 Jun 2026
amount_minor
12840000
currency
BRL
terms
Net 30
Payment history, 36 monthsEV-8823-02
Omie · cust_SE-5510 · captured 01 Sept 2026
rows
2026-05-30|2026-07-04|1180000;2026-04-30|2026-06-02|1440000;2025-08-30…
invoices_paid
26
invoices_written_off
0
partial_payments
2
note
Settles reliably around the harvest receipts cycle.
Channel consentEV-8823-03
Setliva · consent_SE-5510 · captured 11 Sept 2024
whatsapp
true
voice
true
sms
true
method
signed_supply_agreement
Contact attempts, trailing 7 daysEV-8823-04
Setliva · log_SE-5510 · captured 01 Sept 2026
attempts_last_7_days
1
last_contact_at
2026-08-26T13:40:00Z
last_channel
whatsapp
responded
true
Account profileEV-8823-05
Salesforce · acct_SE-5510 · captured 01 Sept 2026
lifetime_value_minor
290000000
relationship_months
52
open_orders
2
timezone
America/Sao_Paulo

Propensity to settle unaided67/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles a median 33 days after terms.	-6
Consistency Pay timing varies by only 3 days across invoices.	+10
Responsiveness The most recent contact attempt was answered.	+8
Tenure 52 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.evaluated08:55:30
5 signals extracted; digest 45c3fba2cf6e9b6e
0dccaf752bdeeafdddfd2f82…
decision.scored08:55:31
score 39 gives whatsapp_nudge
4ff4cf5eedf1f63c85b5c77c…