# EM-FIN-03 provider comparison

Claude and Grok independently select **PROFILE** over WM-ECO-009 with reciprocal constraints on WM-ECO-008 and no new catalogue or runtime identifier. Payment Allocation is an append-only, addressable payment-owned tuple; reconciliation is a run-keyed payment-owned result. Neither proves identity or lifecycle independent of the payment and commercial-document aggregates.

Both providers keep document identity, correction, dispute and admissible claim in WM-ECO-008 while payment instruction, settlement, finality, returns, allocation, remittance and reconciliation stay in WM-ECO-009. The profile derives residual as-of from accepted allocations and the complete correction chain, preserves payer-advised, payee-applied and accepted voices, and keeps settlement, document allocation, FX, rounding, rate evidence and unallocated residual distinct.

Grok strengthens the profile for factoring, on-account cash, charge-bearer deductions, short-pay reasons and the separation of cash application, bank/statement reconciliation and invoice/order/receipt matching. A correction or cancellation never becomes a payment reversal; post-finality recovery appends an opposite payment and counter-allocation.

Both providers hold canonical publication behind the non-canonical parents, unresolved Account/Holding ownership, regime-specific appropriation and return rules, unpinned standards crosswalks and external WM-ECO-016 posting authority.