{
  "assetId": "withdrawal-delay-tree-v1",
  "title": "Withdrawal delay diagnostic tree",
  "scope": "Evidence-preserving triage for a withdrawal that is pending, rejected, returned, or marked completed without receipt",
  "disclaimer": "This flow does not decide whether a broker is safe, provide legal advice, or guarantee a payment outcome.",
  "entryNodeId": "WD-START",
  "evidenceToCapture": [
    "Operating entity and account domain",
    "Withdrawal request identifier",
    "Requested amount and account currency",
    "Funding method and requested withdrawal method",
    "Status text exactly as displayed",
    "Published processing window and the clause or page that states it",
    "Submission, status-change, and message timestamps in one timezone",
    "KYC or source-of-funds request shown through the authenticated account",
    "Bonus or turnover clause if the platform says it applies",
    "Broker transaction reference if the status is completed"
  ],
  "nodes": [
    {
      "id": "WD-START",
      "kind": "question",
      "prompt": "Is the request visible in the authenticated account history with an identifier and status?",
      "yes": "WD-STATUS",
      "no": "WD-MISSING",
      "citationId": "WD-001"
    },
    {
      "id": "WD-MISSING",
      "kind": "action",
      "action": "Do not submit repeated requests blindly. Capture the balance and history, check whether the request was actually confirmed, and contact the broker only through the authenticated help route.",
      "next": "WD-STATUS",
      "citationId": "WD-002"
    },
    {
      "id": "WD-STATUS",
      "kind": "question",
      "prompt": "Which status is shown?",
      "choices": [
        { "label": "Pending or processing", "next": "WD-WINDOW" },
        { "label": "Action or verification required", "next": "WD-KYC" },
        { "label": "Rejected, cancelled, or returned", "next": "WD-REJECTED" },
        { "label": "Completed or paid but not received", "next": "WD-PROVIDER" },
        { "label": "No clear status", "next": "WD-CLARIFY" }
      ],
      "citationId": "WD-003"
    },
    {
      "id": "WD-WINDOW",
      "kind": "question",
      "prompt": "Has the longest first-party processing window for this method, region, account status, and verification state elapsed?",
      "yes": "WD-ESCALATE",
      "no": "WD-WAIT",
      "unknown": "WD-CLARIFY",
      "citationId": "WD-004"
    },
    {
      "id": "WD-WAIT",
      "kind": "action",
      "action": "Preserve the request record and wait only until the cited window. Do not create turnover or increase trading merely to make the request progress.",
      "terminal": true,
      "citationId": "WD-005"
    },
    {
      "id": "WD-KYC",
      "kind": "question",
      "prompt": "Is the requested action visible through the official account or first-party support route, and does it identify the missing document or field?",
      "yes": "WD-KYC-ACTION",
      "no": "WD-SECURITY",
      "citationId": "WD-006"
    },
    {
      "id": "WD-KYC-ACTION",
      "kind": "action",
      "action": "Submit only the specifically requested material through the official secure route. Record the request, submission confirmation, and stated review window.",
      "next": "WD-WINDOW",
      "citationId": "WD-007"
    },
    {
      "id": "WD-SECURITY",
      "kind": "action",
      "action": "Do not send identity, card, wallet, or password material through an unverified message or recovery contact. Re-enter the official domain independently and verify the request through authenticated support.",
      "terminal": true,
      "citationId": "WD-008"
    },
    {
      "id": "WD-REJECTED",
      "kind": "question",
      "prompt": "Does the rejection identify a specific reason and a first-party clause?",
      "yes": "WD-CAUSE",
      "no": "WD-CLARIFY",
      "citationId": "WD-009"
    },
    {
      "id": "WD-CAUSE",
      "kind": "question",
      "prompt": "Which documented condition is cited?",
      "choices": [
        { "label": "Funding and withdrawal method mismatch", "next": "WD-METHOD" },
        { "label": "Currency, amount, fee, or provider limit", "next": "WD-LIMIT" },
        { "label": "KYC, account, or source-of-funds review", "next": "WD-KYC" },
        { "label": "Bonus, turnover, or locked-balance condition", "next": "WD-BONUS" },
        { "label": "Other stated account term", "next": "WD-CLARIFY" }
      ],
      "citationId": "WD-010"
    },
    {
      "id": "WD-METHOD",
      "kind": "action",
      "action": "Compare the original funding route, refund priority, account ownership, and destination details with the cited same-method rule. Ask support to identify the permitted route rather than guessing.",
      "next": "WD-RESUBMIT",
      "citationId": "WD-011"
    },
    {
      "id": "WD-LIMIT",
      "kind": "action",
      "action": "Record the exact minimum, maximum, fee, currency conversion, and provider limit that applies to this request. Recalculate the eligible amount before one corrected submission.",
      "next": "WD-RESUBMIT",
      "citationId": "WD-012"
    },
    {
      "id": "WD-BONUS",
      "kind": "action",
      "action": "Obtain the exact accepted bonus, qualifying-volume formula, cancellation rule, and withdrawal consequence. Separate cash balance, bonus balance, and stated eligible amount. Do not trade merely to unlock a disputed balance.",
      "next": "WD-CLARIFY",
      "citationId": "WD-013"
    },
    {
      "id": "WD-RESUBMIT",
      "kind": "action",
      "action": "Correct the documented issue and submit once. Save the new identifier and confirmation; repeated duplicate requests can obscure the event sequence.",
      "next": "WD-WINDOW",
      "citationId": "WD-014"
    },
    {
      "id": "WD-PROVIDER",
      "kind": "action",
      "action": "Request the broker transaction reference and completion timestamp, then ask the named bank, wallet, card network, or payment provider to trace that reference. Keep broker processing time separate from provider settlement time.",
      "next": "WD-ESCALATE",
      "citationId": "WD-015"
    },
    {
      "id": "WD-CLARIFY",
      "kind": "action",
      "action": "Ask first-party support for the exact status, applicable entity, reason, clause, required action, and response window in writing. Avoid conclusions until those fields are documented.",
      "next": "WD-ESCALATE",
      "citationId": "WD-016"
    },
    {
      "id": "WD-ESCALATE",
      "kind": "action",
      "action": "When the cited window has elapsed or the explanation remains incomplete, use the broker's formal complaint route. Preserve the complete timeline and consider applicable payment-provider, dispute, ombudsman, or regulator routes for the actual operating entity and jurisdiction. Reject anyone demanding an upfront recovery fee.",
      "terminal": true,
      "citationId": "WD-017"
    }
  ],
  "methodologySources": [
    {
      "path": "content/rankings/scoring-methodology.json",
      "covers": ["Processing record", "Rules and speed", "Fee and limit clarity", "Review quality"]
    },
    {
      "path": "content/brokers/current-reviews.json",
      "covers": ["First-party withdrawal sources", "Region and method caveats", "KYC and bonus conditions"]
    }
  ]
}