{ "schema_version": "1.0.0", "updated_at": "2026-08-26T20:22:00Z", "states": [ "live", "local sandbox", "gated", "maintenance", "unavailable" ], "services": [ { "id": "partner-api-catalog", "name": "Partner API catalog", "category": "developer", "description": "A curated contract containing only reviewed partner-facing operations.", "state": "gated", "environment": "public", "audience": "public", "surface": "/developers/api/", "evidence_level": "locally tested", "evidence": "The filtered OpenAPI and Postman artifacts are generated and tested locally.", "next_gate": "Publish the exact generated artifacts and verify the hosted release.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "sdk-packages", "name": "Node and Python SDKs", "category": "developer", "description": "Typed client source for the reviewed partner contract.", "state": "gated", "environment": "local sandbox", "audience": "public", "surface": "SDK source and setup guides", "evidence_level": "locally tested", "evidence": "Node and Python client sources and CI jobs exist in the repository.", "next_gate": "Prove package-registry ownership, publish signed versions, and freeze the supported contract.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "recipient-records", "name": "Recipient records", "category": "recipients", "description": "Tenant-scoped recipient reads and lifecycle management for local integration work.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "GET, PUT, and DELETE /v1/recipients", "evidence_level": "locally tested", "evidence": "Authenticated tenant-scoped recipient routes and tests are present.", "next_gate": "Complete provider-backed beneficiary validation and prove hosted tenant isolation.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "recipient-creation", "name": "Recipient creation", "category": "recipients", "description": "Create a tenant-owned beneficiary record for a supported payout method.", "state": "gated", "environment": "local sandbox", "audience": "authenticated partner", "surface": "Not included in the partner artifact", "evidence_level": "documented", "evidence": "Recipient creation is intentionally excluded from the reviewed partner contract while its tenant-safe request design is finalized.", "next_gate": "Remove the redundant organization field from the creation request and regenerate the reviewed partner contract.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "kyb-kyc-orchestration", "name": "KYC and KYB orchestration", "category": "identity", "description": "Identity and business-verification workflow boundaries for recipients and partners.", "state": "gated", "environment": "remote sandbox", "audience": "authenticated partner", "surface": "Not included in the partner artifact", "evidence_level": "documented", "evidence": "Signed provider boundaries and local verification states exist, but production activation and complete evidence reconciliation are unproven.", "next_gate": "Contract the provider, approve the program, and prove ongoing requirements and RFI operations.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "quote-estimates", "name": "Quote estimates", "category": "quotes", "description": "Synthetic fee, rate, and recipient-amount estimates with a bounded quote lifetime.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "POST /v2/estimate", "evidence_level": "locally tested", "evidence": "Fresh-rate validation and exact 30-second quote evidence are covered locally.", "next_gate": "Bind every quoted fee and FX leg to an executable licensed provider and live corridor.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "payment-method-discovery", "name": "Payment-method discovery", "category": "payins", "description": "Machine-readable input-adapter posture for local integration planning.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "GET /v2/payment-methods", "evidence_level": "locally tested", "evidence": "The endpoint reports configured adapter capabilities without asserting provider readiness.", "next_gate": "Add provider-authority, funding-finality, return, and hosted-readiness evidence per method.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "ach-card-wire-collection", "name": "ACH, card, and wire collection", "category": "payins", "description": "Provider adapter boundaries for collecting a settlement input.", "state": "gated", "environment": "remote sandbox", "audience": "authenticated partner", "surface": "Adapter boundary only", "evidence_level": "locally tested", "evidence": "Provider-call adapters exist, but an admitted end-to-end remote settlement cannot be formed.", "next_gate": "Prove acquiring or bank authority, collection finality, returns, reconciliation, and one admitted corridor.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "settlement-simulation", "name": "Settlement simulation", "category": "payouts", "description": "A deterministic no-value settlement state machine for local development.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "POST /v2/settle", "evidence_level": "locally tested", "evidence": "The route is admitted only in the local sandbox and fails closed remotely.", "next_gate": "Complete durable pre-collection, licensed payout execution, liquidity, reconciliation, and production release gates.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "settlement-reads", "name": "Settlement reads", "category": "payouts", "description": "Poll and inspect the state of a tenant-owned local-sandbox settlement.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "GET /v2/settle/{settlement_id} and Caribbean settlement reads", "evidence_level": "locally tested", "evidence": "Tenant-scoped read routes and state rendering are tested locally.", "next_gate": "Prove hosted object ownership, provider references, local-rail finality, and reconciliation states.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "caribbean-corridor-metadata", "name": "Caribbean corridor metadata", "category": "payouts", "description": "Local configuration describing modeled countries, currencies, fees, and rails.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "GET /v1/caribbean/corridors", "evidence_level": "locally tested", "evidence": "The route returns modeled corridor configuration; it does not prove current local-rail availability.", "next_gate": "Replace static configuration with provider-authoritative eligibility, requirements, limits, cutoffs, holidays, price, ETA, and health.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "jmd-local-payout", "name": "JMD local payout", "category": "payouts", "description": "Credit JMD to a verified Jamaican beneficiary through an authorized local rail.", "state": "unavailable", "environment": "production", "audience": "authenticated partner", "surface": "No supported executable partner path", "evidence_level": "documented", "evidence": "Output-rail implementations are simulations and reject remote use.", "next_gate": "Contract an authorized Jamaica partner, fund liquidity, complete rail certification, and prove payout plus reconciliation.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "partner-balances", "name": "Partner balances", "category": "balances", "description": "Partner-facing available, pending, reserved, and blocked balances.", "state": "unavailable", "environment": "production", "audience": "authenticated partner", "surface": "No supported financial-balance API", "evidence_level": "documented", "evidence": "Current treasury views are internal local simulation and the ledger is an operational projection, not an audited financial book.", "next_gate": "Implement the canonical double-entry subledger, safeguarding model, provider balance feeds, and daily reconciliation.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "compliance-evidence", "name": "Compliance evidence", "category": "compliance", "description": "Fail-closed sanctions, issuer-address-list, AML, and risk evidence for local simulations.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "Embedded settlement control", "evidence_level": "locally tested", "evidence": "Deterministic evidence and fail-closed remote screening behavior are tested locally.", "next_gate": "Approve versioned policies, complete ownership coverage, productize RFIs and filings, and independently test the program.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "evidence-certificates", "name": "Evidence certificates", "category": "evidence", "description": "Deterministic per-settlement evidence artifacts for local simulations.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "Caribbean certificate read and verify routes", "evidence_level": "locally tested", "evidence": "Deterministic PDF and private-replica checks are covered locally; local artifacts are unanchored.", "next_gate": "Deploy a reviewed anchor, publish minimum-data verification, and obtain independent assurance of the evidence process.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "public-certificate-verification", "name": "Public certificate verification", "category": "evidence", "description": "Check a digest against reviewed published settlement evidence without revealing private transaction data.", "state": "gated", "environment": "public", "audience": "public", "surface": "No reviewed website proxy", "evidence_level": "documented", "evidence": "A backend verification boundary exists, but the public site has no reviewed minimum-data same-origin contract.", "next_gate": "Specify, secure, and test a digest-only public proxy and publish a reviewed anchor.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "webhook-subscriptions", "name": "Webhook subscriptions", "category": "events", "description": "Tenant-scoped endpoints for settlement and system event delivery.", "state": "gated", "environment": "remote sandbox", "audience": "authenticated partner", "surface": "Webhook reads and lifecycle operations; creation excluded", "evidence_level": "locally tested", "evidence": "Signed delivery and lifecycle reads are locally tested; subscription creation is intentionally excluded from the reviewed partner contract.", "next_gate": "Publish the tenant-safe creation contract and prove the hosted delivery lifecycle.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "webhook-delivery-history", "name": "Webhook delivery history", "category": "events", "description": "Inspect tenant-scoped webhook attempts and delivery outcomes.", "state": "local sandbox", "environment": "local sandbox", "audience": "authenticated partner", "surface": "GET /v1/webhooks/{webhook_id}/deliveries", "evidence_level": "locally tested", "evidence": "The authenticated tenant-scoped delivery-history route exists and is covered locally.", "next_gate": "Approve the retention policy and prove the redacted response contract in a hosted environment.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "usage-reporting", "name": "Usage reporting", "category": "reports", "description": "Traceable partner usage and transaction-level commercial records.", "state": "gated", "environment": "local sandbox", "audience": "authenticated partner", "surface": "Not included in the partner artifact", "evidence_level": "locally tested", "evidence": "Usage snapshots and draft-invoice records exist locally, but delivery, pricing authority, and hosted proof are incomplete.", "next_gate": "Approve pricing, bind usage to booked transactions, add adjustments and credit notes, and prove hosted access controls.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "three-way-reconciliation", "name": "Three-way reconciliation", "category": "reconciliation", "description": "Match the YembiPay subledger, custodian or chain, and bank or local rail with an owned break queue.", "state": "unavailable", "environment": "production", "audience": "authenticated partner", "surface": "No supported partner reconciliation product", "evidence_level": "documented", "evidence": "Operational evidence schemas exist, but live observer feeds, financial books, and provider-bound reconciliation are unproven.", "next_gate": "Implement the double-entry subledger, provider feeds, daily close, exception ownership, and independent accuracy proof.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "returns-refunds-disputes", "name": "Returns, refunds, and disputes", "category": "exceptions", "description": "Partner-visible exception lifecycles with ownership, finality, evidence, and financial treatment.", "state": "unavailable", "environment": "production", "audience": "authenticated partner", "surface": "No supported partner exception workflow", "evidence_level": "documented", "evidence": "Individual adapter events exist, but no complete product lifecycle or governed case queue is available.", "next_gate": "Build canonical states, cases, reserves, ledger postings, reconciliation, communications, and appeal/escalation rules.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "batch-payables", "name": "Batch and payables", "category": "batch", "description": "Invoice, bill, or batch settlement orchestration for partner workflows.", "state": "unavailable", "environment": "production", "audience": "authenticated partner", "surface": "Retired or non-executable partner paths", "evidence_level": "documented", "evidence": "Legacy direct-transfer and batch write routes are retired; no admitted payables workflow exists.", "next_gate": "Validate anchor demand after one live corridor, then design an idempotent approval and exception model.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "base-settlement-execution", "name": "Base settlement execution", "category": "onchain", "description": "Submit a screened settlement to a reviewed YembiPay contract on Base.", "state": "gated", "environment": "production", "audience": "authenticated partner", "surface": "No admitted remote execution path", "evidence_level": "locally tested", "evidence": "Smart-contract controls and local tests exist; deployment identities and remote admission are empty by construction.", "next_gate": "Complete custody and token design, deploy and verify contracts, bind owner/oracle configuration, and pass the real-money release gates.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "published-certificate-anchor", "name": "Published certificate anchor", "category": "onchain", "description": "Publish a reviewed evidence digest with a verifiable chain reference.", "state": "unavailable", "environment": "production", "audience": "public", "surface": "Local artifacts are explicitly unanchored", "evidence_level": "documented", "evidence": "Anchoring code is gated and local certificates do not claim a public anchor.", "next_gate": "Deploy the reviewed anchor contract, publish identities, prove ownership and finality, and expose minimum-data verification.", "reviewed_at": "2026-08-26T20:22:00Z" }, { "id": "production-certification", "name": "Production certification", "category": "developer", "description": "Evidence-based partner approval across authority, compliance, funds, books, security, resilience, integration, and support.", "state": "unavailable", "environment": "production", "audience": "authenticated partner", "surface": "/developers/production/ provides guidance only", "evidence_level": "documented", "evidence": "The readiness dimensions are specified, but no named approval workflow or production corridor authority exists.", "next_gate": "Assign approval owners, define required evidence, complete partner contracts, and certify one end-to-end corridor.", "reviewed_at": "2026-08-26T20:22:00Z" } ] }