Cobalt Auto Parts

{
  "deal": {
    "board_date": "2026-01-08",
    "margin_bps": 45,
    "waived_fees": [
      {
        "fee_type": "pci",
        "amount_cents": 38000
      }
    ],
    "merchant_name": "Cobalt Auto Parts",
    "priced_rate_bps": 216,
    "avg_ticket_cents": 49422,
    "external_deal_id": "DEAL-0308",
    "residual_split_bps": 4447,
    "equipment_cost_cents": 32521,
    "interchange_cost_bps": 171,
    "monthly_volume_cents": 37968217,
    "equipment_subsidy_cents": 29220
  },
  "asserts": "Under this policy version, evaluated at this time, this historical deal would have received the stated disposition. This is a retrospective determination, NOT an authorization.",
  "ruleResults": [
    {
      "source": "adapter",
      "rule_id": "waiver_over_cap"
    },
    {
      "source": "adapter",
      "rule_id": "approval_missing"
    }
  ],
  "core_verdict": {
    "decision": "approved",
    "risk_score": 0,
    "triggered_rules": [],
    "evaluated_against_policy_version_id": "mdr-boarding-v1"
  },
  "record_class": "retrospective_evaluation_record",
  "core_used_cpl": true,
  "final_reasons": [
    "waiver_over_cap",
    "approval_missing"
  ],
  "adapter_checks": {
    "reasons": [
      "waiver_over_cap",
      "approval_missing"
    ],
    "sections": [
      2,
      3,
      4
    ],
    "disposition": "escalate",
    "approval_status": "missing",
    "margin_floor_bps": 30,
    "margin_deficit_bps": 0,
    "waiver_overage_cents": 18000,
    "subsidy_overage_cents": 0,
    "margin_shortfall_cents": 0,
    "commission_distance_bps": 0
  },
  "schema_version": "1.0.0",
  "adapter_version": "mdr-adapter-1",
  "core_rules_hash": "2442c42936d2b72bac9d56270e813229de25cac690b5fdc9b09acb8fd4e8b551",
  "final_disposition": "escalate",
  "threshold_version": "v1",
  "core_policy_version_id": "c72bd566-2ad5-4385-a3d3-b53b2618c27a"
}