{
  "version": "2026-07-08",
  "artifact": "v3-fee-schedule",
  "rows": [],
  "rowsPendingOpsConfirmation": [
    {
      "capabilityIds": ["ach_pooled", "ach_named"],
      "directions": ["payin", "payout"],
      "reason": "No authoritative v3 capability-scoped public fee row was found."
    },
    {
      "capabilityIds": ["fedwire_pooled", "fedwire_named"],
      "directions": ["payin", "payout"],
      "reason": "Existing prose mentions this method, but no matching service default entry or v3 capability-scoped public fee row was found."
    },
    {
      "capabilityIds": ["wire_pooled", "wire_named"],
      "directions": ["payin", "payout"],
      "reason": "Method-level defaults exist for wire, but no v3 capability-scoped public fee row was found."
    },
    {
      "capabilityIds": ["rtp_pooled", "rtp_named"],
      "directions": ["payin"],
      "reason": "Receive-only today; no v3 capability-scoped public fee row was found."
    },
    {
      "capabilityIds": ["sepa_pooled", "sepa_named"],
      "directions": ["payin", "payout"],
      "reason": "No authoritative v3 capability-scoped public fee row was found."
    },
    {
      "capabilityIds": ["swift_pooled", "swift_named"],
      "directions": ["payin", "payout"],
      "reason": "Method-level defaults exist for swift, but no v3 capability-scoped public fee row was found."
    },
    {
      "capabilityIds": ["pix_pooled", "pix_named"],
      "directions": ["payin"],
      "reason": "Quote-time service fees are provider-sourced; no fixed public schedule row was found."
    },
    {
      "capabilityIds": ["spei_pooled", "pse_pooled", "transfers_3_0_pooled"],
      "directions": ["payout"],
      "reason": "Quote-time service fees are provider-sourced; no fixed public schedule row was found."
    },
    {
      "capabilityIds": ["card"],
      "directions": ["payin"],
      "reason": "Quote-time service fees are resolved at quote creation; no fixed public schedule row was found."
    },
    {
      "capabilityIds": ["stablecoin_transfers"],
      "directions": ["payout"],
      "reason": "The stablecoin move path resolves through quote-time fees; no v3 capability-scoped public fee row was found."
    }
  ]
}