# References — Balance-Proof Algorithm

Sources accessed 2026-10-25. All monetary examples and control histories are synthetic.

## SWIFT CGI-MP bank-to-customer reporting

Source: [CGI-MP WG2 ISO 20022 camt.05x.001.08 best practices](https://www.swift.com/sites/default/files/files/swift_cgi-mp-wg2-iso-20022-camt.05x.001.08-best-practices-version1.1-2023-08.pdf).  
Version: v1.1, August 2023; printed page 27 (PDF page index 26).  
Accessed: 2026-10-25.  
Supports: whole-statement opening/closing booked controls differ from interim page controls; page bridges link interim balances and booked items.  
Limitations: market-practice profile, not this normalized UTC API or a claim that every message/provider uses our boundary choices. The tutorial does not parse XML or reproduce its example transaction tables.

## Adyen reconcile balances

Source: [Reconcile balances](https://docs.adyen.com/issuing/reconcile-balances/), sections Reports and Final balance reconciliation.  
Version: live official documentation checked on access date.  
Accessed: 2026-10-25.  
Supports: opening/incoming/outgoing/ending bridge and report-specific booking/value-date and timezone distinctions.  
Limitations: Adyen-specific. Our booked UTC profile is not an adapter for its value-date report or CET/CEST reporting boundaries. Provider rows are not copied.

## BIL credit/debit and reversal context

Source: [BIL camt.053.001.02 Implementation Guidelines](https://www.bil.com/BIL-digital/assets/doc/BIL_CAMT053_V2_final.pdf).  
Version: v2.1, 2023-08-08; pages 58–59.  
Accessed: 2026-10-25.  
Supports: separate booked entry direction and reversal indicator; selected account-owner mapping retains the already-directed reversal movement.  
Limitations: provider/version-specific, not a universal sign normalizer or full parser.

## Local independent specification

Source: [Proof contract](DATA-CONTRACT.md), [source contract](SOURCE-CONTRACT.md), [claim ledger](CLAIM-LEDGER.md), [independent calculations](INDEPENDENT-CALCULATIONS.md), [proof fixtures](../datasets/proof-cases.json).  
Version: d30-balance-proof-v1, frozen 2026-10-25.  
Accessed: 2026-10-25.  
Supports: strict wire choices, independent declared expected amounts/statuses, source/control provenance and pass/fail/indeterminate precedence.  
Limitations: synthetic bounded implementation evidence. Cross-language agreement is not external financial validation or source authentication.