Dormancy & escheatment engine

ID	MOD-008
System	SD01
Repo	bank-core
Build status	Deployed
Deployed	Yes
Last commit	2b41724

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Identifies accounts with no customer-initiated transactions for the statutory period (7 years NZ/AU). Flags for customer contact, then processes transfer to unclaimed money register.

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Module dependencies

Depends on

Module	Title	Required?	Contract	Reason
MOD-002	Immutable transaction log	Required	—	Detects dormancy by querying the transaction log for last customer-initiated activity date.
MOD-007	Account state machine	Required	—	Transitions accounts to Dormant state and ultimately Closed via the account state machine.
MOD-001	Double-entry posting engine	Required	—	Posts the transfer-to-unclaimed-funds entry as a ledger posting when funds are escheated.
MOD-104	AWS shared infrastructure bootstrap	Required	—	AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103	Neon database platform bootstrap	Required	—	Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.

Required by

(No modules in this wiki currently declare a dependency on this module.)

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Policies satisfied

Policy	Title	Mode	How
CON-001	Customer Fairness & Conduct Policy	AUTO	Dormant customer contacted before funds transferred — fair conduct obligation met automatically
REP-001	Regulatory Reporting Policy	AUTO	Unclaimed money return filed with IRD (NZ) / ASIC (AU) automatically on schedule

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Capabilities satisfied

(No capabilities mapped)

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Part of SD01 — Core Banking Platform Compiled 2026-05-22 from source/entities/modules/MOD-008.yaml