simulation:
  seed: 42
  start: 2026-01-01T00:00:00Z
  duration_days: 1
  speed: batch

population:
  customers: 10
  institutions: 3
  accounts: 15
  cards: 12
  merchants: 3
  devices: 12
  pix_keys: 8

payments:
  daily_target: 100
  rails:
    CARD: 0.55
    PIX: 0.30
    ACCOUNT_TRANSFER: 0.15

behavior:
  amount_min: 1.00
  amount_max: 5000.00
  active_hours:
    [
      0,
      1,
      2,
      3,
      4,
      5,
      6,
      7,
      8,
      9,
      10,
      11,
      12,
      13,
      14,
      15,
      16,
      17,
      18,
      19,
      20,
      21,
      22,
      23,
    ]
  weekday_weights: [1.0, 1.0, 1.0, 1.0, 1.0, 0.85, 0.70]
  merchant_preference_count: 3
  preferred_device_limit: 3

card_lifecycle:
  authorization_approval_probability: 0.90
  reversal_probability: 0.05
  refund_probability: 0.10
  authorization_delay_seconds: 1
  capture_delay_seconds: 5
  clearing_delay_seconds: 30
  settlement_delay_seconds: 60
  reversal_delay_seconds: 10
  refund_delay_seconds: 60

pix_lifecycle:
  authorization_approval_probability: 0.98
  rejection_probability: 0.02
  return_probability: 0.05
  validation_delay_seconds: 1
  authorization_delay_seconds: 1
  submission_delay_seconds: 1
  settlement_delay_seconds: 1
  receipt_delay_seconds: 1
  return_request_delay_seconds: 60
  return_delay_seconds: 60

fraud:
  enabled: false
  target_rate: 0.002
  scenario_count: 5
  hard_negative_rate: 1.0

fraud_workflow:
  enabled: true
  alert_probability: 1.0
  case_open_probability: 1.0
  confirmation_probability: 1.0
  customer_dispute_probability: 1.0
  alert_delay_seconds: 60
  case_open_delay_seconds: 300
  confirmation_delay_seconds: 86400
  customer_dispute_delay_seconds: 172800
  label_delay_seconds: 3600

quality:
  profile: clean

dataset:
  enabled: true
  unresolved_labels: include

outputs:
  parquet: true
  postgres: false
  kafka: false
  iceberg: false

calibration:
  enabled: false