A precise contract between intent and status.

Conceptual adapter interface

interface ConceptualAdapter {
  // Check whether the synthetic statement has enough information for review.
  verify(statement: SyntheticStatement): Verification;

  // Represent a future attempt to send an approved mandate.
  submit(mandate: ApprovedMandate): SubmissionState;

  // Ask a future source for the strongest state it can confirm.
  reconcile(reference: SyntheticReference): ReconciliationState;
}

Events worth distinguishing

mandate.approved

The user approved the exact reviewed scope.

execution.submitted

A future adapter attempted submission.

execution.accepted

A future rail accepted the submission; this would not mean settlement or biller credit.

execution.settled

A future rail reported settlement; this would not by itself mean biller credit.

item.credited

A future reconciliation source confirmed that the item was credited.

mandate.expired

The proposal passed its deadline before submission.

mandate.cancelled

The user cancelled before submission.

What remains TBD

Schemas, authentication, authorization, providers, error contracts, retries, reconciliation sources, observability, security review, and operating ownership.