{
  "schemaVersion": 1,
  "settlementId": "STL-2026-08",
  "period": {
    "from": "2026-08-01",
    "to": "2026-08-31"
  },
  "settlementCurrency": "USD",
  "payoutCurrency": "EUR",
  "fxRateUsdToEur": "0.91250",
  "fxConversionMethod": "single conversion of netPayableUsd",
  "grossSalesUsd": "922.00",
  "fees": {
    "referralUsd": "110.64",
    "processingUsd": "30.36",
    "monthlyUsd": "39.99",
    "totalUsd": "180.99"
  },
  "refundsUsd": "80.00",
  "netPayableUsd": "661.01",
  "depositAmountEur": "603.17",
  "depositDate": "2026-09-02",
  "lineCount": 41,
  "reconciliation": "grossSalesUsd - fees.totalUsd - refundsUsd = netPayableUsd; round_half_up(netPayableUsd * fxRateUsdToEur) = depositAmountEur"
}