{
  "auditAuthority": "Adhunik Bharat Party Sovereign NPCI Gateway",
  "statutoryCompliance": "DPDP Act 2023 · RBI Master Directions on PPIs & Credit Cards",
  "exportedAt": "2026-10-19T04:01:24.220Z",
  "accounts": {
    "user": {
      "name": "Arvind Sen",
      "phone": "+91 98765 43210",
      "primaryVpa": "arvind.sen@janpay",
      "electorId": "DL-2026-X94821",
      "avatar": "https://images.unsplash.com/photo-1535713875002-d1d0cf377fde?w=200&auto=format&fit=crop&q=80"
    },
    "linkedBanks": [
      {
        "id": "bank_sbi_01",
        "bankName": "State Bank of India",
        "branch": "Parliament Street, New Delhi",
        "accountNumber": "•••• 9482",
        "fullAccountNumber": "30492819482",
        "ifsc": "SBIN0000691",
        "accountType": "Savings",
        "balance": 35401,
        "isPrimary": true,
        "upiPin": "123456",
        "bankLogo": "🏛️"
      },
      {
        "id": "bank_hdfc_02",
        "bankName": "HDFC Bank",
        "branch": "Connaught Place, New Delhi",
        "accountNumber": "•••• 3108",
        "fullAccountNumber": "5010048193108",
        "ifsc": "HDFC0000452",
        "accountType": "Salary",
        "balance": 115200,
        "isPrimary": false,
        "upiPin": "123456",
        "bankLogo": "🏦"
      }
    ]
  },
  "creditCard": {
    "card": {
      "cardId": "RUPAY_PLAT_2026",
      "cardholder": "ARVIND SEN",
      "cardNumber": "4532 8920 1145 8821",
      "maskedNumber": "4532 •••• •••• 8821",
      "validThru": "09/31",
      "cvv": "482",
      "cardType": "Adhunik Bharat Sovereign RuPay Platinum",
      "tier": "Platinum Sovereign",
      "totalLimit": 300000,
      "availableLimit": 257450,
      "currentOutstanding": 0,
      "dueDate": "15 Nov 2026",
      "minDue": "1,245.00",
      "rewardPoints": 4850,
      "rewardValueRupees": 485,
      "isLocked": false,
      "onlineEnabled": true,
      "contactlessEnabled": true,
      "internationalEnabled": false,
      "monthlySpendLimit": 100000
    },
    "statements": [
      {
        "id": "STMT-OCT26",
        "month": "October 2026",
        "billAmount": 12450,
        "minDue": 1245,
        "dueDate": "15 Nov 2026",
        "status": "Paid in Full",
        "paidDate": "2026-10-19"
      },
      {
        "id": "STMT-SEP26",
        "month": "September 2026",
        "billAmount": 24320,
        "paidDate": "12 Oct 2026",
        "status": "Paid in Full"
      }
    ],
    "cardTransactions": [
      {
        "id": "CC_TXN_1091",
        "merchant": "Indian Oil Petrol Pump (Delhi)",
        "date": "18 Oct 2026",
        "amount": 2500,
        "category": "Fuel",
        "cashback": "₹50 (2% Fuel Surcharge Waiver)"
      },
      {
        "id": "CC_TXN_1090",
        "merchant": "FabIndia ONDC Khadi Store",
        "date": "16 Oct 2026",
        "amount": 4200,
        "category": "Shopping",
        "cashback": "210 Points (5% RuPay Sovereign Tier)"
      },
      {
        "id": "CC_TXN_1089",
        "merchant": "IRCTC Tejas Express Booking",
        "date": "14 Oct 2026",
        "amount": 3150,
        "category": "Travel",
        "cashback": "150 Points"
      }
    ],
    "applications": []
  },
  "ledgerTransactions": [
    {
      "id": "TXN_UPI_1792370726138",
      "utr": "629166209150",
      "type": "debit",
      "category": "Mobile Prepaid",
      "title": "Mobile Prepaid (Jio Prepaid)",
      "counterparty": "Jio Prepaid",
      "vpa": "service@billdesk",
      "amount": 299,
      "timestamp": "2026-10-19T00:45:26.138Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "Ref: 9876543210 · Receipt RCP-BHARAT-70726138",
      "icon": "📱"
    },
    {
      "id": "TXN_UPI_1792370717441",
      "utr": "629131182118",
      "type": "debit",
      "category": "Credit Card Bill",
      "title": "Paid Sovereign RuPay Card Bill",
      "counterparty": "Adhunik Bharat Credit Card Gateway",
      "vpa": "rupay.sovereign@sbi",
      "amount": 12450,
      "timestamp": "2026-10-19T00:45:17.441Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "RuPay Platinum Statement Settlement",
      "icon": "💳"
    },
    {
      "id": "TXN_UPI_1792370706953",
      "utr": "629128541367",
      "type": "debit",
      "category": "UPI Direct Transfer",
      "title": "Paid to 9876543210",
      "counterparty": "9876543210",
      "vpa": "9876543210@upi",
      "amount": 500,
      "timestamp": "2026-10-19T00:45:06.953Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "Civic Seed Support",
      "icon": "💸"
    },
    {
      "id": "TXN_UPI_984210",
      "utr": "629104882194",
      "type": "debit",
      "category": "ONDC Kisan Produce",
      "title": "Paid to Ramesh Kisan Mandi",
      "counterparty": "Ramesh Kisan Cooperative (Ludhiana)",
      "vpa": "kisan.ramesh@upi",
      "amount": 2850,
      "timestamp": "2026-10-18T19:42:00Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "Desi Wheat & Cold-Pressed Mustard Oil",
      "icon": "🌾"
    },
    {
      "id": "TXN_UPI_984209",
      "utr": "629104881052",
      "type": "credit",
      "category": "Citizen Transfer",
      "title": "Received from Dr. Sunita Deshmukh",
      "counterparty": "Dr. Sunita Deshmukh (Pune)",
      "vpa": "sunita.edu@okhdfcbank",
      "amount": 5000,
      "timestamp": "2026-10-17T11:20:00Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "Apprentice Skills Curriculum Consultation",
      "icon": "🎓"
    },
    {
      "id": "TXN_UPI_984208",
      "utr": "629104879201",
      "type": "debit",
      "category": "Electricity Bill",
      "title": "Paid to Tata Power Delhi",
      "counterparty": "Tata Power Delhi Distribution Ltd",
      "vpa": "tatapower.delhi@billdesk",
      "amount": 1640,
      "timestamp": "2026-10-15T09:15:00Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "CA No: 102948201 · Oct Billing",
      "icon": "⚡"
    },
    {
      "id": "TXN_UPI_984207",
      "utr": "629104875410",
      "type": "debit",
      "category": "FASTag Recharge",
      "title": "Recharged NHAI FASTag",
      "counterparty": "National Highways Authority of India",
      "vpa": "fastag.delhi@sbi",
      "amount": 1000,
      "timestamp": "2026-10-14T14:30:00Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "Vehicle: DL-01-AB-4820",
      "icon": "🚗"
    },
    {
      "id": "TXN_UPI_984206",
      "utr": "629104872199",
      "type": "credit",
      "category": "RuPay Cashback",
      "title": "Cashback from Sovereign Rewards",
      "counterparty": "Adhunik RuPay Rewards Gateway",
      "vpa": "rewards.cashback@npci",
      "amount": 250,
      "timestamp": "2026-10-12T16:00:00Z",
      "status": "SUCCESS",
      "bank": "State Bank of India (•••• 9482)",
      "note": "Khadi & Handloom Festival Incentive",
      "icon": "🎁"
    }
  ]
}