{
  "example_id": "recurring-household-item",
  "title": "Reorder a household item under $40/month (recurring)",
  "description": "A home management agent automatically reorders paper towels from Amazon when stock runs low. The mandate allows up to $40 per month at Amazon with no expiry. The human approves the mandate once — after that, every credential request is auto-validated by the system. No per-transaction human approval.",
  "flow": {
    "step_1": "Agent calls POST /v1/mandates with cadence='monthly', per_transaction_max=4000, merchants=['Amazon'], expires_at=null. Mandate created with status='pending_approval'.",
    "step_2": "Human receives notification, reviews the recurring mandate (Amazon, max $40/month, no expiry), and approves. Mandate moves to status='active'.",
    "step_3": "Weeks later, agent detects stock is low and calls POST /v1/mandates/{id}/credential-requests for $28.99. System auto-validates: within monthly limit, merchant matches, cadence not exhausted.",
    "step_4": "Validation passes. Virtual card (PAN, expiry, CVV) returned. Agent enters card details at Amazon checkout. Mandate remains active for future reorders.",
    "step_5": "Next month the cadence resets. Agent can request up to $40 again."
  },
  "mandate": {
    "id": "mnd_example_household_001",
    "owner_id": "usr_example_consumer",
    "agent_id": "agent_household_reorder",
    "budget": {
      "cadence": "monthly",
      "per_transaction_max": 4000,
      "total_max": 4000,
      "currency": "USD",
      "merchants": ["Amazon"],
      "merchant_category_codes": ["5912"],
      "categories": ["household", "consumables"],
      "expires_at": null
    },
    "risk_controls": {
      "require_merchant_match": true,
      "block_international": true,
      "max_daily_spend": 4000,
      "velocity_limit_per_hour": 1
    },
    "status": "active",
    "approved_at": "2026-01-01T10:00:00Z",
    "created_at": "2026-01-01T09:58:00Z",
    "expires_at": null,
    "metadata": {
      "task": "reorder paper towels when stock is low",
      "product_asin": "B07N1THQ6Z",
      "product_name": "Bounty Select-A-Size Paper Towels, 8 Double Plus Rolls"
    }
  },
  "credential_request": {
    "id": "cr_example_household_001",
    "mandate_id": "mnd_example_household_001",
    "amount": 2899,
    "currency": "USD",
    "merchant": "Amazon",
    "merchant_category_code": "5912",
    "context": "Reordering Bounty paper towels (ASIN B07N1THQ6Z) — stock detected below 2 rolls. Standard 8-pack, $28.99.",
    "idempotency_key": "household-reorder-paper-towels-2026-02",
    "metadata": {
      "product_asin": "B07N1THQ6Z",
      "quantity": "1",
      "stock_level_at_trigger": "1_roll_remaining",
      "order_month": "2026-02"
    },
    "validation": {
      "passed": true,
      "constraints": {
        "within_amount_limit": { "passed": true, "detail": "2899 <= 4000 (per_transaction_max)" },
        "merchant_match": { "passed": true, "detail": "Amazon is in merchants allowlist" },
        "mcc_match": { "passed": true, "detail": "5912 matches merchant_category_codes" },
        "within_time_period": { "passed": true, "detail": "Mandate has no expiry" },
        "cadence_not_exhausted": { "passed": true, "detail": "monthly cadence — 0 of 4000 cents total_max used this month" },
        "velocity_check": { "passed": true, "detail": "0 requests in past hour; limit is 1/hour" }
      },
      "reasons": [
        "Amount $28.99 is within the $40.00 monthly per-transaction limit",
        "Merchant Amazon is in the approved list",
        "MCC 5912 matches allowed category codes",
        "Mandate has no expiry and is active",
        "All constraints passed — virtual card issued automatically, no human approval needed"
      ]
    },
    "virtual_card": {
      "pan": "5500000000000004",
      "expiry_month": "02",
      "expiry_year": "2026",
      "cvv": "813",
      "billing_zip": "94105",
      "network": "mastercard",
      "expires_at": "2026-02-17T09:15:00Z",
      "single_use": true,
      "amount_limit": 2899,
      "merchant_lock": "Amazon"
    },
    "status": "approved",
    "created_at": "2026-02-17T09:00:00Z"
  },
  "amount_note": "amount: 2899 = $28.99. total_max: 4000 with cadence: 'monthly' enforces a $40 ceiling per calendar month across all credential requests. per_transaction_max: 4000 additionally caps each individual transaction at $40. Both reset monthly.",
  "recurring_note": "The mandate stays active after this credential is issued. The agent can request another credential next month when stock runs low again."
}