▣The Closed Loop Open the partner account
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The Closed Loop / The numbers
All the arithmetic

Every figure on this desk, and the sample it comes from

Nothing here is quoted from an operator. Six samples carry the arithmetic; everything on the other fifteen pages is derived from them, and this page collects the derivations so they can be checked in one pass.

Rail stub
Samples
six, all invented
S1 cap
200.00 + 240.00 = 440.00
The released tail
60.00, or 12.0%
The split
1.40 payments a request
the railA payment method that has carried a completed deposit - not a method saved on the account
the capWhat a rail paid in, less what it has already returned, and never below zero
released moneyThe part of a balance above every cap: payable, and travelling by the operator’s own route
Direct answerSix invented samples - a two-rail account, a partial withdrawal, a test deposit, a dead rail, a third-party payer and a book of 12,000 requests - produce every number here. The caps, the split, the released tail, the re-route fee and the frozen share are all one or two arithmetic steps from them.
440.00The total cap on S1: 200.00 by card plus 240.00 by bank, which is all the money that can travel the rails
60.00The released tail on S1: a 500.00 request above a 440.00 cap, or 12.0% of it
18.00What moves between two rails on S2 when the rule changes from a waterfall to a proportional split
7.5%The 15.00 re-route fee on S4 as a share of the 200.00 that cannot travel on its own
34.1%The share of a 440.00 account frozen by a 150.00 third-party deposit on S5
1.40Payments per request across the sample book: 16,800 payments for 12,000 requests

The samples, and what each one is for

S1 - the two-rail account

200.00 card + 240.00 bank = 440.00 of cap; balance 500.00; 500.00 requested. It carries the cap formula and the released tail.

S2 - the partial withdrawal

30.00 card + 70.00 wallet = 100.00; 40.00 requested. It carries the waterfall-against-proportional arithmetic.

S3 - the verification deposit

A 10.00 test deposit and a 400.00 request. It carries the difference between opening a rail and enlarging one.

S4 - the dead rail

200.00 behind a card that expired 14 months ago. It carries the re-route fee and the indemnity exposure.

S5 - the third-party payer

150.00 deposited from a card in another name. It carries the frozen share and the document count.

S6 - the desk’s book

12,000 requests across mixed rails. It carries the split rates and the averages.

The derivations, in one pass

S1 - the cap and the released tailcap, card 200.00 - 0.00 = 200.00 cap, bank 240.00 - 0.00 = 240.00 total cap 200.00 + 240.00 = 440.00 requested = 500.00 looped min(500.00, 440.00) = 440.00 88.0% of the request released 500.00 - 440.00 = 60.00 12.0% of the request payments 200.00 card + 300.00 bank = 2 payments
S2 - the split, under each rulewaterfall, oldest first 30.00 card + 10.00 wallet = 40.00 proportional 12.00 card + 28.00 wallet = 40.00 difference 30.00 - 12.00 = 18.00 between the rails caps left, waterfall card 0.00, wallet 60.00 caps left, proportional card 18.00, wallet 42.00
S3 - the test depositcap created 10.00 - 0.00 = 10.00 request 400.00 reach 10.00 / 400.00 = 2.5% of the request still needed 400.00 - 10.00 = 390.00 from other rails
S4 - the dead rail, and the three routescap behind the expired card 200.00 route 1, hold nothing moves; a replacement rail starts at 0.00 route 2, re-route fee 15.00 = 7.5% of 200.00; wait 11 working days exposure 200.00 + 20.00 = 220.00 = 110.0% route 3, a fresh rail 10.00 test -> 10.00 cap; 190.00 still stuck
S5 - the third-party depositfrozen 150.00 inside 440.00 150.00 / 440.00 = 34.1% frozen free to travel 440.00 - 150.00 = 290.00 documents asked 3 over 9 working days
S6 - the sample bookrequests 8,160 x 1 + 2,880 x 2 + 960 x 3 = 16,800 payments average 16,800 / 12,000 = 1.40 payments a request split rate 2,880 + 960 = 3,840 = 32.0% of requests rails gone 744 / 12,000 = 6.2% name mismatch 408 / 12,000 = 3.4% withdrawn 12,000 x 268.40 = 3,220,800.00 per payment 3,220,800.00 / 16,800 = 191.71

What is deliberately absent

The desk publishes no operator’s cap, fee, timeline or policy, because none of these samples is a company. It also publishes no figure for how often a loop is applied at all: that number lives with supervisors and operators, and inventing it here would be the one thing that would make the rest of this page untrustworthy.

Every figure is illustrative. A reader can replace a sample with their own payment history and re-run the arithmetic - which is what the page on reading your own payments is for. The samples exist to show the shape of the calculation, not to describe any account in particular.