Per-route operational knobs carried on product_route_version.data. Open
jsonb so vendor-specific extensions can land here without a schema bump.
Known keys:
cutoffTimezone: IANA timezone the route's vendor operates in
(Metcap → CST, Dart → EST, etc.). Used by the route SQL to inject
per-route dayOfWeek / minuteOfDay matcher criteria, and
post-resolve for expires_at and minSettlementDate stamping.
quoteTtlSeconds: TTL in seconds applied to product_quote.expires_at
for quotes pinned to this route version. Defaults to 30 when unset.
settlementBusinessDays: Number of business days the rail itself
needs to clear funds end-to-end. Mon–Fri minus US Federal Reserve
bank holidays via addUsBankBusinessDays. Defaults to 0 (same-day)
when unset. Instant rails (RTP, FedNow, blockchain) leave this
at 0; deferred rails (ACH credit, US wire) set it to 1–2.
holdBusinessDays: Additional business days held after rail
settlement before funds are considered final. Models return-window
risk on debit-side rails — ACH debit, Quiltt-pulled cash deposits,
check deposits — where the originator can reverse the transaction
during the Nacha return window. Stacks additively on top of
settlementBusinessDays: minSettlementDate = now + settlementBusinessDays + holdBusinessDays. Defaults to 0 (no
hold) when unset. Credit-side rails (ACH credit, wire-in) leave
this at 0; ACH debit typically sets 3–5.
Per-route operational knobs carried on
product_route_version.data. Open jsonb so vendor-specific extensions can land here without a schema bump. Known keys:cutoffTimezone: IANA timezone the route's vendor operates in (Metcap → CST, Dart → EST, etc.). Used by the route SQL to inject per-routedayOfWeek/minuteOfDaymatcher criteria, and post-resolve forexpires_atandminSettlementDatestamping.quoteTtlSeconds: TTL in seconds applied toproduct_quote.expires_atfor quotes pinned to this route version. Defaults to 30 when unset.settlementBusinessDays: Number of business days the rail itself needs to clear funds end-to-end. Mon–Fri minus US Federal Reserve bank holidays viaaddUsBankBusinessDays. Defaults to 0 (same-day) when unset. Instant rails (RTP, FedNow, blockchain) leave this at 0; deferred rails (ACH credit, US wire) set it to 1–2.holdBusinessDays: Additional business days held after rail settlement before funds are considered final. Models return-window risk on debit-side rails — ACH debit, Quiltt-pulled cash deposits, check deposits — where the originator can reverse the transaction during the Nacha return window. Stacks additively on top ofsettlementBusinessDays:minSettlementDate = now + settlementBusinessDays + holdBusinessDays. Defaults to 0 (no hold) when unset. Credit-side rails (ACH credit, wire-in) leave this at 0; ACH debit typically sets 3–5.