EM-FIN-03 · Reviewable research profile · 0.1.0

Enterprise Invoice-Payment Allocation

A declarative Enterprise adoption profile over WM-ECO-009, WM-ECO-008. It creates no new model or runtime identity.

Verdict: PROFILE

Claude and Grok independently reviewed the boundary. One frozen no-tools audit and deterministic remediation are preserved. The profile contains 15 portable constraints and keeps base-model mastership external.

profile.json · fixtures.json · README.md

Independent evidence

Claude study · Grok study · Grok manifest · Provider comparison · Frozen audit

Limits

WM-ECO-008 and WM-ECO-009 are non-canonical reviewable drafts and the profile cannot promote ahead of them.
Account or Holding ownership for credit balances is unresolved; on-account cash and overpayment remain payment-side residual only.
Receivables assignment and collection authority are external and unallocated in this contour; factoring fails closed without an authority reference.
Contractual appropriation priority and rail-specific return or revocability rules require regime profiles.
ISO 20022, UBL RemittanceAdvice and EN 16931 BT-83 crosswalks remain unpinned alignment targets.
WM-ECO-016 remains the external accounting-posting authority.

This profile is not canonical, installable or a standards-conformance claim.