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This Pack is the smallest realistic surface that exercises every Decision outcome the kernel can return.\n\n## Three intent kinds\n\n| Intent | Taint | LLM-proposable | Description |\n|---|---|---|---|\n| `pix.charge.create` | UNTRUSTED | yes | Customer (or LLM on its behalf) proposes a charge. Kernel typically DEFERS awaiting webhook confirmation. |\n| `pix.charge.confirm` | TRUSTED | **no** | Payment provider's webhook signals payment received. UNTRUSTED proposals are refused at the taint gate. |\n| `pix.charge.refund` | UNTRUSTED | yes (when there's a confirmed charge) | Merchant proposes a full or partial refund. Subject to REWRITE-clamp, ESCALATE/REQUEST_CONFIRMATION thresholds, and several REFUSE paths. |\n\n## What the policy does (six outcomes in one Pack)\n\n| Outcome | Trigger |\n|---|---|\n| `EXECUTE` | Refund within thresholds on a confirmed charge; or TRUSTED confirm of a pending charge. |\n| `REFUSE` | Charge not found · charge not confirmed · already refunded · invalid amount · UNTRUSTED webhook attempt. |\n| `REWRITE` | Refund > original charge amount → clamped to original. |\n| `REQUEST_CONFIRMATION` | Refund ≥ R$ 500 (default `CONFIRM_REFUND_THRESHOLD_CENTAVOS`). |\n| `ESCALATE` | Refund ≥ R$ 1,000 (default `ESCALATE_REFUND_THRESHOLD_CENTAVOS`) → routes to `\"supervisor\"`; OR a confirm event landing on a charge already marked `failed` → routes to `\"human\"` for manual review. |\n| `DEFER` | `pix.charge.create` parks awaiting `payment.confirmed` signal (15-min timeout). |\n\nRead [`src/policies.ts`](./src/policies.ts) for the guard-by-guard contract.\n\n## Quick start\n\n```ts\nimport { adjudicate } from \"@adjudicate/core/kernel\";\nimport { buildEnvelope } from \"@adjudicate/core\";\nimport { paymentsPixPack } from \"@adjudicate/pack-payments-pix\";\n\nconst state = { charges: new Map() };\n\nconst envelope = buildEnvelope({\n  kind: \"pix.charge.create\",\n  payload: {\n    amountCentavos: 5_000,\n    payerDocument: \"12345678900\",\n    description: \"iced coffee\",\n  },\n  actor: { principal: \"llm\", sessionId: \"s-1\" },\n  taint: \"UNTRUSTED\",\n});\n\nconst decision = adjudicate(envelope, state, paymentsPixPack.policy);\n// decision.kind === \"DEFER\"\n// decision.signal === \"payment.confirmed\"\n```\n\nThe full DEFER round-trip (park → webhook → resume) lives in [`@adjudicate/runtime`](../runtime/README.md)'s `resumeDeferredIntent`. This Pack only declares the DEFER outcome; persistence is the adopter's choice (Redis / Postgres / etc.). See [`tests/defer-round-trip.test.ts`](./tests/defer-round-trip.test.ts) for the integration-level contract.\n\n## Adoption patterns\n\nThis Pack supports two distinct adoption shapes. Pick whichever maps onto your existing intent vocabulary:\n\n### 1. Greenfield (canonical Pack-intent)\n\nYour application's wire vocabulary uses `pix.charge.{create,confirm,refund}` directly. Dispatch envelopes against `paymentsPixPack.policy`. Webhook adapters build TRUSTED `pix.charge.confirm` envelopes and call [`resumeDeferredIntent`](../runtime/README.md) when the provider settles. This is the cleanest path for new applications.\n\n### 2. Existing intent kind (factory pattern)\n\nYour application already proposes higher-level intents (e.g. `order.confirm` with `paymentMethod=pix`) and you don't want to rewrite the LLM prompt to emit `pix.charge.confirm` directly. Compose `createPixPendingDeferGuard` into your own `PolicyBundle`:\n\n```ts\nimport { createPixPendingDeferGuard } from \"@adjudicate/pack-payments-pix\";\nimport type { PolicyBundle, Guard } from \"@adjudicate/core/kernel\";\n\ninterface OrderState {\n  readonly ctx: {\n    readonly paymentMethod: string | null;\n    readonly paymentStatus: string | null;\n  };\n}\n\nconst orderPixDefer: Guard<string, unknown, OrderState> =\n  createPixPendingDeferGuard<OrderState>({\n    readPaymentMethod: (s) => s.ctx.paymentMethod,\n    readPaymentStatus: (s) => s.ctx.paymentStatus,\n    matchesIntent: (kind) => kind === \"order.confirm\",\n  });\n\nconst orderPolicyBundle: PolicyBundle<string, unknown, OrderState> = {\n  stateGuards: [orderPixDefer /* ...other guards... */],\n  authGuards: [],\n  taint: { minimumFor: () => \"UNTRUSTED\" },\n  business: [],\n  default: \"REFUSE\",\n};\n```\n\nThe factory's `signal`, `timeoutMs`, `confirmedStatuses`, and `pixMethodLabel` are all overridable per call. Canonical adopter: IbateXas's `@ibatexas/pack-orders` composes the factory against `order.confirm` in `packages/pack-orders/src/policies.ts`. See [`tests/adopter-guard.test.ts`](./tests/adopter-guard.test.ts) for the contract.\n\n## Composition into your `PackV0` consumer\n\nThe Pack is a `PackV0`-conformant value, ready for any registry or runtime that consumes the contract:\n\n```ts\nimport type { PackV0 } from \"@adjudicate/core\";\nimport { paymentsPixPack } from \"@adjudicate/pack-payments-pix\";\n\n// Compile-time conformance — fails the build if the Pack drifts from PackV0.\nconst _check = paymentsPixPack satisfies PackV0;\n\n// Use the Pack's policy + planner directly:\nadjudicate(envelope, state, paymentsPixPack.policy);\npaymentsPixPack.planner.plan(state, context);\n```\n\n## Customizing thresholds\n\nWrap the bundled `pixPolicyBundle` and replace just the threshold guards:\n\n```ts\nimport { pixPolicyBundle } from \"@adjudicate/pack-payments-pix\";\n// build a derived bundle with your own threshold guards in place of the defaults\n```\n\nA worked example lives in [`docs/runbook.md`](./docs/runbook.md) under \"Stage 2: tightening for staging.\"\n\n## Adoption — the 4-stage shadow → enforce runbook\n\n[`docs/runbook.md`](./docs/runbook.md) walks through the staged rollout:\n\n1. **Shadow read** — adjudicate runs alongside your existing PIX flow, recording divergences but never blocking.\n2. **Shadow on cart-tier mutations** — broaden shadow to the easy intents (`refund` happy path).\n3. **Enforce on read-likes** — flip to authoritative for low-risk intents.\n4. **Enforce on financial mutations** — full enforcement, including `create` DEFER + `refund` REWRITE.\n\nEach stage has explicit go / no-go criteria.\n\n## Architectural notes\n\n- See [`docs/ADR-001-payments-pix.md`](./docs/ADR-001-payments-pix.md) for *why* these three intent kinds and not others.\n- The `PackV0` contract this Pack satisfies is documented in [`@adjudicate/core/src/pack.ts`](../core/src/pack.ts).\n- Tests covering all six outcomes + the DEFER round-trip live in [`tests/six-outcomes.test.ts`](./tests/six-outcomes.test.ts).\n\n## License\n\n[MIT](../../LICENSE)\n","readmeFilename":"README.md"}