Implement Phase 6R-AE provider settlement exception shell

2026-05-25 22:53:38 +02:00 · 2026-05-25 22:53:38 +02:00 · a7e69c7f4d
commit a7e69c7f4d
parent f488d2571f
14 changed files with 1727 additions and 35 deletions
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistBootstrap/HyperTwistContractLibrary.cpp
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistBootstrap/HyperTwistContractLibrary.cpp
@ -1148,6 +1148,69 @@ namespace HyperTwistContractLibraryInternal
 		return Profile;
 	}

+	FHyperTwistSpeechProviderSettlementExceptionShellProfile
+	MakeDefaultSpeechProviderSettlementExceptionShellProfile(const FString& ProfileId)
+	{
+		FHyperTwistSpeechProviderSettlementExceptionShellProfile Profile;
+		Profile.SettlementExceptionShellProfileId = ProfileId;
+		Profile.ShellKind = TEXT("operator-provider-settlement-exception");
+		Profile.ExceptionSurfaceMode = TEXT("settlement-exception-triage");
+		Profile.ExternalPortalHandoffMode = TEXT("reference-only-provider-portal-handoff");
+		Profile.RefreshActionId = TEXT("refresh-provider-settlement-exceptions");
+		Profile.ExceptionInspectActionId = TEXT("inspect-provider-settlement-exception");
+		Profile.ExternalPortalHandoffActionId =
+			TEXT("review-provider-external-portal-handoff");
+		Profile.RouteInspectActionId = TEXT("inspect-provider-route");
+		Profile.BudgetInspectActionId = TEXT("review-provider-budget");
+		Profile.RetainedExceptionEntryLimit = 12;
+		Profile.bSupportsExceptionTimeline = true;
+		Profile.bSupportsExternalPortalHandoff = true;
+		Profile.bSupportsSettlementExceptionReview = true;
+		Profile.bSupportsPendingChargeExceptions = true;
+		Profile.bPreservesFirstPartyHandoffOwnership = true;
+
+		auto AddPanel = [&Profile](
+			const TCHAR* PanelId,
+			const TCHAR* PanelKind,
+			const TCHAR* AnchorId,
+			const bool bVisibleByDefault
+		)
+		{
+			FHyperTwistSpeechShellPanelLayout Panel;
+			Panel.PanelId = PanelId;
+			Panel.PanelKind = PanelKind;
+			Panel.AnchorId = AnchorId;
+			Panel.bVisibleByDefault = bVisibleByDefault;
+			Profile.Panels.Add(Panel);
+		};
+
+		auto AddAction = [&Profile](
+			const TCHAR* ActionId,
+			const TCHAR* InputBinding,
+			const TCHAR* SurfaceId
+		)
+		{
+			FHyperTwistSpeechShellActionBinding ActionBinding;
+			ActionBinding.ActionId = ActionId;
+			ActionBinding.InputBinding = InputBinding;
+			ActionBinding.SurfaceId = SurfaceId;
+			Profile.ActionBindings.Add(ActionBinding);
+		};
+
+		AddPanel(TEXT("settlement-exception-timeline-card"), TEXT("settlement-exception-timeline-card"), TEXT("top-left"), true);
+		AddPanel(TEXT("external-portal-handoff-card"), TEXT("external-portal-handoff-card"), TEXT("top-right"), true);
+		AddPanel(TEXT("exception-summary-card"), TEXT("exception-summary-card"), TEXT("left-stack-below-settlement"), true);
+		AddPanel(TEXT("exception-readiness-card"), TEXT("exception-readiness-card"), TEXT("right-stack-below-handoff"), true);
+
+		AddAction(TEXT("refresh-provider-settlement-exceptions"), TEXT("F9"), TEXT("settlement-exception-timeline-card"));
+		AddAction(TEXT("inspect-provider-settlement-exception"), TEXT("E"), TEXT("settlement-exception-timeline-card"));
+		AddAction(TEXT("review-provider-external-portal-handoff"), TEXT("H"), TEXT("external-portal-handoff-card"));
+		AddAction(TEXT("inspect-provider-route"), TEXT("P"), TEXT("exception-summary-card"));
+		AddAction(TEXT("review-provider-budget"), TEXT("B"), TEXT("exception-readiness-card"));
+		AddAction(TEXT("close-speech-session"), TEXT("Escape"), TEXT("session-root"));
+		return Profile;
+	}
+
 	FHyperTwistSpeechModelPayloadDescriptor MakeSpeechModelPayloadDescriptor(
 		const TCHAR* PayloadId,
 		const TCHAR* PayloadKind,
@ -1238,7 +1301,10 @@ namespace HyperTwistContractLibraryInternal
 			TEXT("providerChargeVarianceReview"),
 			TEXT("providerBillingSettlementShell"),
 			TEXT("providerInvoiceReconciliation"),
-			TEXT("providerSettlementReadinessReview")
+			TEXT("providerSettlementReadinessReview"),
+			TEXT("providerSettlementExceptionShell"),
+			TEXT("providerExternalPortalHandoff"),
+			TEXT("providerSettlementExceptionReview")
 		};
 	}

@ -2482,6 +2548,12 @@ FHyperTwistSpeechSessionConfig UHyperTwistContractLibrary::MakeSampleSpeechSessi
 		HyperTwistContractLibraryInternal::MakeDefaultSpeechProviderBillingSettlementShellProfile(
 			Config.ProviderBillingSettlementShellProfileId
 		);
+	Config.ProviderSettlementExceptionShellProfileId =
+		TEXT("speech-provider-settlement-exception-shell-v1");
+	Config.ProviderSettlementExceptionShellProfileDefinition =
+		HyperTwistContractLibraryInternal::MakeDefaultSpeechProviderSettlementExceptionShellProfile(
+			Config.ProviderSettlementExceptionShellProfileId
+		);
 	Config.PayloadCustodyProfileId = TEXT("downloadable-model-payload-custody-v1");
 	Config.PayloadCustodyProfileDefinition =
 		HyperTwistContractLibraryInternal::MakeDefaultSpeechPayloadCustodyProfile(
@ -2601,7 +2673,10 @@ FHyperTwistSpeechServiceHealth UHyperTwistContractLibrary::MakeMockSpeechService
 		TEXT("providerChargeVarianceReview"),
 		TEXT("providerBillingSettlementShell"),
 		TEXT("providerInvoiceReconciliation"),
-		TEXT("providerSettlementReadinessReview")
+		TEXT("providerSettlementReadinessReview"),
+		TEXT("providerSettlementExceptionShell"),
+		TEXT("providerExternalPortalHandoff"),
+		TEXT("providerSettlementExceptionReview")
 	};
 	Health.SupportedOrchestrationProfiles = {
 		TEXT("python-batch-transcribe-v1")
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistRecognition/HyperTwistHttpSpeechClient.cpp
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistRecognition/HyperTwistHttpSpeechClient.cpp
@ -353,7 +353,10 @@ FHyperTwistSpeechServiceHealth UHyperTwistHttpSpeechClient::GetSpeechServiceHeal
 		TEXT("providerChargeVarianceReview"),
 		TEXT("providerBillingSettlementShell"),
 		TEXT("providerInvoiceReconciliation"),
-		TEXT("providerSettlementReadinessReview")
+		TEXT("providerSettlementReadinessReview"),
+		TEXT("providerSettlementExceptionShell"),
+		TEXT("providerExternalPortalHandoff"),
+		TEXT("providerSettlementExceptionReview")
 	};
 	Health.SupportedOrchestrationProfiles = {
 		TEXT("python-batch-transcribe-v1")
@ -439,7 +442,10 @@ FHyperTwistSpeechServiceHealth UHyperTwistHttpSpeechClient::GetSpeechServiceHeal
 			TEXT("providerChargeVarianceReview"),
 			TEXT("providerBillingSettlementShell"),
 			TEXT("providerInvoiceReconciliation"),
-			TEXT("providerSettlementReadinessReview")
+			TEXT("providerSettlementReadinessReview"),
+			TEXT("providerSettlementExceptionShell"),
+			TEXT("providerExternalPortalHandoff"),
+			TEXT("providerSettlementExceptionReview")
 		};
 		Health.SupportedOrchestrationProfiles = {
 			TEXT("python-batch-transcribe-v1")
@ -510,6 +516,9 @@ FHyperTwistSpeechServiceHealth UHyperTwistHttpSpeechClient::GetSpeechServiceHeal
 	Health.Capabilities.AddUnique(TEXT("providerBillingSettlementShell"));
 	Health.Capabilities.AddUnique(TEXT("providerInvoiceReconciliation"));
 	Health.Capabilities.AddUnique(TEXT("providerSettlementReadinessReview"));
+	Health.Capabilities.AddUnique(TEXT("providerSettlementExceptionShell"));
+	Health.Capabilities.AddUnique(TEXT("providerExternalPortalHandoff"));
+	Health.Capabilities.AddUnique(TEXT("providerSettlementExceptionReview"));
 	Health.SupportedOrchestrationProfiles.AddUnique(TEXT("python-batch-transcribe-v1"));
 	if (Health.ProviderProfileId.IsEmpty())
 	{
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistRecognition/HyperTwistMockSpeechClient.cpp
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistRecognition/HyperTwistMockSpeechClient.cpp
@ -158,6 +158,9 @@ FHyperTwistSpeechServiceHealth UHyperTwistMockSpeechClient::GetSpeechServiceHeal
 	Health.Capabilities.AddUnique(TEXT("providerBillingSettlementShell"));
 	Health.Capabilities.AddUnique(TEXT("providerInvoiceReconciliation"));
 	Health.Capabilities.AddUnique(TEXT("providerSettlementReadinessReview"));
+	Health.Capabilities.AddUnique(TEXT("providerSettlementExceptionShell"));
+	Health.Capabilities.AddUnique(TEXT("providerExternalPortalHandoff"));
+	Health.Capabilities.AddUnique(TEXT("providerSettlementExceptionReview"));
 	Health.SupportedOrchestrationProfiles.AddUnique(TEXT("python-batch-transcribe-v1"));
 	return Health;
 }
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistTraining/HyperTwistTrainingSubsystem.cpp
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Private/HyperTwistTraining/HyperTwistTrainingSubsystem.cpp
@ -2936,6 +2936,12 @@ namespace HyperTwistTrainingSubsystemInternal
 		const FHyperTwistTrainingCompanionSpeechSessionState* PriorState
 	);

+	FHyperTwistSpeechProviderSettlementExceptionShellState
+	BuildSpeechProviderSettlementExceptionShellState(
+		const FHyperTwistSpeechSessionConfig& SessionConfig,
+		const FHyperTwistTrainingCompanionSpeechSessionState* PriorState
+	);
+
 	FHyperTwistSpeechMicrophoneShellProfile BuildDefaultCoachCommandMicrophoneShellProfile(const FString& ProfileId)
 	{
 		FHyperTwistSpeechMicrophoneShellProfile Profile;
@ -3243,6 +3249,69 @@ namespace HyperTwistTrainingSubsystemInternal
 		return Profile;
 	}

+	FHyperTwistSpeechProviderSettlementExceptionShellProfile
+	BuildDefaultSpeechProviderSettlementExceptionShellProfile(const FString& ProfileId)
+	{
+		FHyperTwistSpeechProviderSettlementExceptionShellProfile Profile;
+		Profile.SettlementExceptionShellProfileId = ProfileId;
+		Profile.ShellKind = TEXT("operator-provider-settlement-exception");
+		Profile.ExceptionSurfaceMode = TEXT("settlement-exception-triage");
+		Profile.ExternalPortalHandoffMode = TEXT("reference-only-provider-portal-handoff");
+		Profile.RefreshActionId = TEXT("refresh-provider-settlement-exceptions");
+		Profile.ExceptionInspectActionId = TEXT("inspect-provider-settlement-exception");
+		Profile.ExternalPortalHandoffActionId =
+			TEXT("review-provider-external-portal-handoff");
+		Profile.RouteInspectActionId = TEXT("inspect-provider-route");
+		Profile.BudgetInspectActionId = TEXT("review-provider-budget");
+		Profile.RetainedExceptionEntryLimit = 12;
+		Profile.bSupportsExceptionTimeline = true;
+		Profile.bSupportsExternalPortalHandoff = true;
+		Profile.bSupportsSettlementExceptionReview = true;
+		Profile.bSupportsPendingChargeExceptions = true;
+		Profile.bPreservesFirstPartyHandoffOwnership = true;
+
+		auto AddPanel = [&Profile](
+			const TCHAR* PanelId,
+			const TCHAR* PanelKind,
+			const TCHAR* AnchorId,
+			const bool bVisibleByDefault
+		)
+		{
+			FHyperTwistSpeechShellPanelLayout Panel;
+			Panel.PanelId = PanelId;
+			Panel.PanelKind = PanelKind;
+			Panel.AnchorId = AnchorId;
+			Panel.bVisibleByDefault = bVisibleByDefault;
+			Profile.Panels.Add(Panel);
+		};
+
+		auto AddAction = [&Profile](
+			const TCHAR* ActionId,
+			const TCHAR* InputBinding,
+			const TCHAR* SurfaceId
+		)
+		{
+			FHyperTwistSpeechShellActionBinding ActionBinding;
+			ActionBinding.ActionId = ActionId;
+			ActionBinding.InputBinding = InputBinding;
+			ActionBinding.SurfaceId = SurfaceId;
+			Profile.ActionBindings.Add(ActionBinding);
+		};
+
+		AddPanel(TEXT("settlement-exception-timeline-card"), TEXT("settlement-exception-timeline-card"), TEXT("top-left"), true);
+		AddPanel(TEXT("external-portal-handoff-card"), TEXT("external-portal-handoff-card"), TEXT("top-right"), true);
+		AddPanel(TEXT("exception-summary-card"), TEXT("exception-summary-card"), TEXT("left-stack-below-settlement"), true);
+		AddPanel(TEXT("exception-readiness-card"), TEXT("exception-readiness-card"), TEXT("right-stack-below-handoff"), true);
+
+		AddAction(TEXT("refresh-provider-settlement-exceptions"), TEXT("F9"), TEXT("settlement-exception-timeline-card"));
+		AddAction(TEXT("inspect-provider-settlement-exception"), TEXT("E"), TEXT("settlement-exception-timeline-card"));
+		AddAction(TEXT("review-provider-external-portal-handoff"), TEXT("H"), TEXT("external-portal-handoff-card"));
+		AddAction(TEXT("inspect-provider-route"), TEXT("P"), TEXT("exception-summary-card"));
+		AddAction(TEXT("review-provider-budget"), TEXT("B"), TEXT("exception-readiness-card"));
+		AddAction(TEXT("close-speech-session"), TEXT("Escape"), TEXT("session-root"));
+		return Profile;
+	}
+
 	FHyperTwistSpeechModelPayloadDescriptor MakeSpeechModelPayloadDescriptor(
 		const TCHAR* PayloadId,
 		const TCHAR* PayloadKind,
@ -3333,7 +3402,10 @@ namespace HyperTwistTrainingSubsystemInternal
 			TEXT("providerChargeVarianceReview"),
 			TEXT("providerBillingSettlementShell"),
 			TEXT("providerInvoiceReconciliation"),
-			TEXT("providerSettlementReadinessReview")
+			TEXT("providerSettlementReadinessReview"),
+			TEXT("providerSettlementExceptionShell"),
+			TEXT("providerExternalPortalHandoff"),
+			TEXT("providerSettlementExceptionReview")
 		};
 	}

@ -4048,6 +4120,28 @@ namespace HyperTwistTrainingSubsystemInternal
 		}
 		SessionConfig.ProviderBillingSettlementShellProfileId =
 			SessionConfig.ProviderBillingSettlementShellProfileDefinition.BillingSettlementShellProfileId;
+		if (SessionConfig.ProviderSettlementExceptionShellProfileId.IsEmpty()
+			&& SessionConfig.ProviderSettlementExceptionShellProfileDefinition.IsStructurallyValid())
+		{
+			SessionConfig.ProviderSettlementExceptionShellProfileId =
+				SessionConfig.ProviderSettlementExceptionShellProfileDefinition
+					.SettlementExceptionShellProfileId;
+		}
+		if (SessionConfig.ProviderSettlementExceptionShellProfileId.IsEmpty())
+		{
+			SessionConfig.ProviderSettlementExceptionShellProfileId =
+				TEXT("speech-provider-settlement-exception-shell-v1");
+		}
+		if (!SessionConfig.ProviderSettlementExceptionShellProfileDefinition.IsStructurallyValid())
+		{
+			SessionConfig.ProviderSettlementExceptionShellProfileDefinition =
+				BuildDefaultSpeechProviderSettlementExceptionShellProfile(
+					SessionConfig.ProviderSettlementExceptionShellProfileId
+				);
+		}
+		SessionConfig.ProviderSettlementExceptionShellProfileId =
+			SessionConfig.ProviderSettlementExceptionShellProfileDefinition
+				.SettlementExceptionShellProfileId;
 	}

 	void ApplySpeechProviderProfileHealthDefaults(
@ -4389,6 +4483,9 @@ namespace HyperTwistTrainingSubsystemInternal
 		Health.Capabilities.AddUnique(TEXT("providerBillingSettlementShell"));
 		Health.Capabilities.AddUnique(TEXT("providerInvoiceReconciliation"));
 		Health.Capabilities.AddUnique(TEXT("providerSettlementReadinessReview"));
+		Health.Capabilities.AddUnique(TEXT("providerSettlementExceptionShell"));
+		Health.Capabilities.AddUnique(TEXT("providerExternalPortalHandoff"));
+		Health.Capabilities.AddUnique(TEXT("providerSettlementExceptionReview"));
 	}

 	bool IsSpeechPermissionError(const FString& ErrorText)
@ -5917,6 +6014,402 @@ namespace HyperTwistTrainingSubsystemInternal
 		}
 	}

+	FString BuildSpeechProviderSettlementExceptionSourceKind(
+		const FHyperTwistSpeechProviderBillingSettlementEntry& SettlementEntry
+	)
+	{
+		if (SettlementEntry.SourceKind.Contains(TEXT("fallback"), ESearchCase::IgnoreCase))
+		{
+			return TEXT("settlement-fallback-health");
+		}
+
+		if (!SettlementEntry.bHasProviderPostedCharge)
+		{
+			return TEXT("settlement-derived-pending-charge");
+		}
+
+		if (SettlementEntry.bRequiresManualReview)
+		{
+			return TEXT("settlement-derived-variance-review");
+		}
+
+		if (SettlementEntry.bSettlementBlocked)
+		{
+			return TEXT("settlement-derived-blocked");
+		}
+
+		return TEXT("settlement-derived-ready");
+	}
+
+	FHyperTwistSpeechProviderSettlementExceptionEntry
+	BuildSpeechProviderSettlementExceptionEntry(
+		const FHyperTwistSpeechProviderBillingSettlementEntry& SettlementEntry,
+		const FString& SelectedSettlementWindowId
+	)
+	{
+		FHyperTwistSpeechProviderSettlementExceptionEntry Entry;
+		Entry.ExceptionEntryId = FString::Printf(
+			TEXT("speech-provider-settlement-exception/%s"),
+			*SettlementEntry.SettlementEntryId
+		);
+		Entry.SourceKind = BuildSpeechProviderSettlementExceptionSourceKind(SettlementEntry);
+		Entry.SettlementEntryId = SettlementEntry.SettlementEntryId;
+		Entry.ReceiptEntryId = SettlementEntry.ReceiptEntryId;
+		Entry.HistoryEntryId = SettlementEntry.HistoryEntryId;
+		Entry.ProviderProfileId = SettlementEntry.ProviderProfileId;
+		Entry.ServiceLaneId = SettlementEntry.ServiceLaneId;
+		Entry.CapturedAtUtc = SettlementEntry.CapturedAtUtc;
+		Entry.EstimatedCostUsd = SettlementEntry.EstimatedCostUsd;
+		Entry.ReportedCostUsd = SettlementEntry.ReportedCostUsd;
+		Entry.SettlementDeltaUsd = SettlementEntry.SettlementDeltaUsd;
+		Entry.bRequiresManualReview = SettlementEntry.bRequiresManualReview;
+		Entry.bSettlementBlocked = SettlementEntry.bSettlementBlocked;
+		Entry.HandoffStateId = TEXT("handoff-not-required");
+
+		if (Entry.SourceKind.Equals(TEXT("settlement-fallback-health"), ESearchCase::IgnoreCase))
+		{
+			Entry.ExceptionKindId = TEXT("route-degraded");
+			Entry.HandoffStateId = TEXT("handoff-ready-for-route-escalation");
+			Entry.bExternalPortalHandoffReady = true;
+			Entry.bRequiresOperatorAttention = true;
+		}
+		else if (!SettlementEntry.bHasProviderPostedCharge)
+		{
+			Entry.ExceptionKindId = TEXT("provider-charge-pending");
+			Entry.HandoffStateId = TEXT("handoff-deferred-until-provider-posted-charge");
+			Entry.bExternalPortalHandoffReady = false;
+			Entry.bRequiresOperatorAttention = false;
+		}
+		else if (SettlementEntry.bRequiresManualReview)
+		{
+			Entry.ExceptionKindId = TEXT("settlement-variance-review-required");
+			Entry.HandoffStateId = TEXT("handoff-ready-for-provider-reference");
+			Entry.bExternalPortalHandoffReady = true;
+			Entry.bRequiresOperatorAttention = true;
+		}
+		else
+		{
+			Entry.ExceptionKindId = TEXT("settlement-blocked");
+			Entry.HandoffStateId = TEXT("handoff-ready-for-first-party-review");
+			Entry.bExternalPortalHandoffReady = true;
+			Entry.bRequiresOperatorAttention = SettlementEntry.bSettlementBlocked;
+		}
+
+		if (!SelectedSettlementWindowId.IsEmpty())
+		{
+			Entry.HandoffTargetId = TEXT("external-provider-portal");
+		}
+
+		return Entry;
+	}
+
+	void AddSpeechProviderSettlementExceptionIssue(
+		FHyperTwistSpeechProviderSettlementExceptionShellState& ShellState,
+		const FHyperTwistSpeechProviderSettlementExceptionIssue& Issue
+	)
+	{
+		if (!Issue.IsStructurallyValid())
+		{
+			return;
+		}
+
+		ShellState.Issues.Add(Issue);
+		if (!ShellState.ActiveIssue.IsStructurallyValid())
+		{
+			ShellState.ActiveIssue = Issue;
+		}
+	}
+
+	void ApplySpeechProviderSettlementExceptionPosture(
+		const FHyperTwistSpeechProviderSettlementExceptionShellProfile& Profile,
+		const FHyperTwistTrainingCompanionSpeechSessionState& SessionState,
+		FHyperTwistSpeechProviderSettlementExceptionShellState& ShellState
+	)
+	{
+		ShellState.ActiveProviderProfileId =
+			!SessionState.ProviderBillingSettlementShellState.ActiveProviderProfileId.IsEmpty()
+				? SessionState.ProviderBillingSettlementShellState.ActiveProviderProfileId
+				: (!SessionState.SessionConfig.ProviderProfileDefinition.ProviderProfileId.IsEmpty()
+					? SessionState.SessionConfig.ProviderProfileDefinition.ProviderProfileId
+					: TEXT("speech-provider/local-http-sidecar-profile-v1"));
+		ShellState.ActiveProviderDisplayLabel =
+			!SessionState.ProviderBillingSettlementShellState.ActiveProviderDisplayLabel.IsEmpty()
+				? SessionState.ProviderBillingSettlementShellState.ActiveProviderDisplayLabel
+				: (!SessionState.SessionConfig.ProviderProfileDefinition.DisplayLabel.IsEmpty()
+					? SessionState.SessionConfig.ProviderProfileDefinition.DisplayLabel
+					: TEXT("Local HTTP Speech Sidecar"));
+		ShellState.ActiveServiceLaneId =
+			!SessionState.ProviderBillingSettlementShellState.ActiveServiceLaneId.IsEmpty()
+				? SessionState.ProviderBillingSettlementShellState.ActiveServiceLaneId
+				: (!SessionState.SessionConfig.OrchestrationProfile.ServiceLaneId.IsEmpty()
+					? SessionState.SessionConfig.OrchestrationProfile.ServiceLaneId
+					: TEXT("speech/python-service"));
+		ShellState.SelectedSettlementWindowId =
+			!SessionState.ProviderBillingSettlementShellState.SelectedSettlementWindowId.IsEmpty()
+				? SessionState.ProviderBillingSettlementShellState.SelectedSettlementWindowId
+				: TEXT("current-session");
+		ShellState.ExceptionSurfaceModeId = Profile.ExceptionSurfaceMode;
+		ShellState.ExternalPortalHandoffModeId = Profile.ExternalPortalHandoffMode;
+		ShellState.bExceptionTimelineVisible = Profile.bSupportsExceptionTimeline;
+		ShellState.bExternalPortalHandoffVisible = Profile.bSupportsExternalPortalHandoff;
+		ShellState.bExceptionReviewVisible = Profile.bSupportsSettlementExceptionReview;
+		ShellState.ExceptionEntries.Reset();
+		ShellState.Issues.Reset();
+		ShellState.ActiveIssue = FHyperTwistSpeechProviderSettlementExceptionIssue();
+		ShellState.ExceptionEntryCount = 0;
+		ShellState.ExternalPortalHandoffReadyEntryCount = 0;
+		ShellState.PendingChargeEntryCount = 0;
+		ShellState.ManualReviewEntryCount = 0;
+		ShellState.RouteDegradedEntryCount = 0;
+		ShellState.BlockedSettlementEntryCount = 0;
+		ShellState.TotalEstimatedCostUsd = 0.0f;
+		ShellState.TotalReportedCostUsd = 0.0f;
+		ShellState.TotalSettlementDeltaUsd = 0.0f;
+		ShellState.HighestSettlementDeltaUsd = 0.0f;
+		ShellState.LatestExceptionEntryId.Reset();
+		ShellState.bExceptionSummaryReady = false;
+		ShellState.bExternalPortalHandoffReady = false;
+		ShellState.bSettlementExceptionReviewReady = false;
+
+		const FHyperTwistSpeechProviderBillingSettlementShellState& SettlementState =
+			SessionState.ProviderBillingSettlementShellState;
+		if (!SettlementState.IsStructurallyValid() || SettlementState.SettlementEntries.Num() <= 0)
+		{
+			FHyperTwistSpeechProviderSettlementExceptionIssue Issue;
+			Issue.IssueId = TEXT("provider-settlement-exception-settlement-missing");
+			Issue.IssueKind = TEXT("no-settlement-review");
+			Issue.StatusLine = TEXT("Provider settlement exceptions are waiting for settlement review.");
+			Issue.DetailLine = TEXT("Refresh the retained provider billing-settlement shell before settlement-exception posture begins.");
+			Issue.RecommendedActionId = Profile.RefreshActionId;
+			Issue.bRequiresOperatorAttention = false;
+			AddSpeechProviderSettlementExceptionIssue(ShellState, Issue);
+			ShellState.StatusLine = Issue.StatusLine;
+			ShellState.DetailLine = Issue.DetailLine;
+			ShellState.ActiveIssueCount = ShellState.Issues.Num();
+			return;
+		}
+
+		const int32 ExceptionLimit = FMath::Max(1, Profile.RetainedExceptionEntryLimit);
+		const int32 StartIndex =
+			FMath::Max(0, SettlementState.SettlementEntries.Num() - ExceptionLimit);
+		for (int32 EntryIndex = StartIndex;
+			EntryIndex < SettlementState.SettlementEntries.Num();
+			++EntryIndex)
+		{
+			const FHyperTwistSpeechProviderBillingSettlementEntry& SettlementEntry =
+				SettlementState.SettlementEntries[EntryIndex];
+			if (!SettlementEntry.IsStructurallyValid())
+			{
+				continue;
+			}
+
+			const bool bHasException =
+				SettlementEntry.SourceKind.Contains(TEXT("fallback"), ESearchCase::IgnoreCase)
+				|| !SettlementEntry.bHasProviderPostedCharge
+				|| SettlementEntry.bRequiresManualReview
+				|| SettlementEntry.bSettlementBlocked;
+			if (!bHasException)
+			{
+				continue;
+			}
+
+			const FHyperTwistSpeechProviderSettlementExceptionEntry Entry =
+				BuildSpeechProviderSettlementExceptionEntry(
+					SettlementEntry,
+					ShellState.SelectedSettlementWindowId
+				);
+			ShellState.ExceptionEntries.Add(Entry);
+			ShellState.LatestExceptionEntryId = Entry.ExceptionEntryId;
+			ShellState.LatestSourceKind = Entry.SourceKind;
+			ShellState.TotalEstimatedCostUsd += Entry.EstimatedCostUsd;
+			ShellState.TotalReportedCostUsd += Entry.ReportedCostUsd;
+			ShellState.TotalSettlementDeltaUsd += Entry.SettlementDeltaUsd;
+			ShellState.HighestSettlementDeltaUsd =
+				FMath::Max(ShellState.HighestSettlementDeltaUsd, Entry.SettlementDeltaUsd);
+			if (Entry.bExternalPortalHandoffReady)
+			{
+				++ShellState.ExternalPortalHandoffReadyEntryCount;
+			}
+			if (Entry.ExceptionKindId.Equals(TEXT("provider-charge-pending"), ESearchCase::IgnoreCase))
+			{
+				++ShellState.PendingChargeEntryCount;
+			}
+			if (Entry.bRequiresManualReview)
+			{
+				++ShellState.ManualReviewEntryCount;
+			}
+			if (Entry.ExceptionKindId.Equals(TEXT("route-degraded"), ESearchCase::IgnoreCase))
+			{
+				++ShellState.RouteDegradedEntryCount;
+			}
+			if (Entry.bSettlementBlocked)
+			{
+				++ShellState.BlockedSettlementEntryCount;
+			}
+		}
+
+		ShellState.ExceptionEntryCount = ShellState.ExceptionEntries.Num();
+		ShellState.bExceptionSummaryReady = ShellState.ExceptionEntryCount > 0;
+		ShellState.bExternalPortalHandoffReady =
+			Profile.bSupportsExternalPortalHandoff
+			&& ShellState.ExternalPortalHandoffReadyEntryCount > 0;
+		ShellState.bSettlementExceptionReviewReady =
+			Profile.bSupportsSettlementExceptionReview
+			&& ShellState.ExceptionEntryCount > 0;
+
+		if (SettlementState.ActiveIssue.IsStructurallyValid()
+			&& (SettlementState.ActiveIssue.IssueKind.Equals(TEXT("route-degraded"), ESearchCase::IgnoreCase)
+				|| SettlementState.ActiveIssue.IssueKind.Equals(TEXT("hard-blocked"), ESearchCase::IgnoreCase)
+				|| SettlementState.ActiveIssue.IssueKind.Equals(TEXT("rate-limited"), ESearchCase::IgnoreCase)
+				|| SettlementState.ActiveIssue.IssueKind.Equals(TEXT("no-history"), ESearchCase::IgnoreCase)
+				|| SettlementState.ActiveIssue.IssueKind.Equals(TEXT("no-receipt-review"), ESearchCase::IgnoreCase)))
+		{
+			FHyperTwistSpeechProviderSettlementExceptionIssue Issue;
+			Issue.IssueId = FString::Printf(
+				TEXT("provider-settlement-exception-%s"),
+				*SettlementState.ActiveIssue.IssueKind
+			);
+			Issue.IssueKind = SettlementState.ActiveIssue.IssueKind;
+			Issue.StatusLine = SettlementState.ActiveIssue.StatusLine;
+			Issue.DetailLine = SettlementState.ActiveIssue.DetailLine;
+			Issue.RecommendedActionId =
+				SettlementState.ActiveIssue.IssueKind.Equals(TEXT("route-degraded"), ESearchCase::IgnoreCase)
+				|| SettlementState.ActiveIssue.IssueKind.Equals(TEXT("hard-blocked"), ESearchCase::IgnoreCase)
+				|| SettlementState.ActiveIssue.IssueKind.Equals(TEXT("rate-limited"), ESearchCase::IgnoreCase)
+					? Profile.ExternalPortalHandoffActionId
+					: Profile.RefreshActionId;
+			Issue.bRequiresOperatorAttention =
+				SettlementState.ActiveIssue.bRequiresOperatorAttention;
+			AddSpeechProviderSettlementExceptionIssue(ShellState, Issue);
+		}
+		else if (ShellState.ManualReviewEntryCount > 0)
+		{
+			FHyperTwistSpeechProviderSettlementExceptionIssue Issue;
+			Issue.IssueId = TEXT("provider-settlement-exception-external-handoff-review");
+			Issue.IssueKind = TEXT("external-handoff-review-recommended");
+			Issue.StatusLine =
+				TEXT("Settlement exception review is ready for bounded external handoff.");
+			Issue.DetailLine = TEXT("At least one retained provider charge still diverges from the first-party settlement expectation, so the next bounded step is reference-only external portal review rather than payment execution.");
+			Issue.RecommendedActionId = Profile.ExternalPortalHandoffActionId;
+			Issue.bRequiresOperatorAttention = true;
+			AddSpeechProviderSettlementExceptionIssue(ShellState, Issue);
+		}
+		else if (ShellState.PendingChargeEntryCount > 0)
+		{
+			FHyperTwistSpeechProviderSettlementExceptionIssue Issue;
+			Issue.IssueId = TEXT("provider-settlement-exception-charge-pending");
+			Issue.IssueKind = TEXT("provider-charge-pending");
+			Issue.StatusLine =
+				TEXT("Provider settlement exceptions are waiting for posted charges.");
+			Issue.DetailLine = TEXT("Settlement-exception posture is bounded and ready, but the retained settlement entries still show estimate-only provider cost posture rather than a posted charge.");
+			Issue.RecommendedActionId = Profile.ExceptionInspectActionId;
+			Issue.bRequiresOperatorAttention = false;
+			AddSpeechProviderSettlementExceptionIssue(ShellState, Issue);
+		}
+
+		if (ShellState.ActiveIssue.IsStructurallyValid())
+		{
+			ShellState.StatusLine = ShellState.ActiveIssue.StatusLine;
+			ShellState.DetailLine = ShellState.ActiveIssue.DetailLine;
+		}
+		else if (ShellState.ExternalPortalHandoffReadyEntryCount > 0)
+		{
+			ShellState.StatusLine =
+				TEXT("Provider settlement exceptions are ready for bounded external handoff review.");
+			ShellState.DetailLine = FString::Printf(
+				TEXT("%d retained settlement exceptions for %s are ready for reference-only provider portal review without widening into payment execution."),
+				ShellState.ExternalPortalHandoffReadyEntryCount,
+				*ShellState.ActiveProviderDisplayLabel
+			);
+		}
+		else
+		{
+			ShellState.StatusLine =
+				TEXT("Provider settlement exceptions remain bounded above reconciliation.");
+			ShellState.DetailLine = FString::Printf(
+				TEXT("%d retained settlement exceptions are available for %s, but external handoff is not ready yet."),
+				ShellState.ExceptionEntryCount,
+				*ShellState.ActiveProviderDisplayLabel
+			);
+		}
+
+		ShellState.ExceptionSummaryText = FString::Printf(
+			TEXT("providerProfileId=%s\nserviceLaneId=%s\nexceptionEntryCount=%d\n")
+			TEXT("externalPortalHandoffReadyEntryCount=%d\npendingChargeEntryCount=%d\n")
+			TEXT("manualReviewEntryCount=%d\nrouteDegradedEntryCount=%d\n")
+			TEXT("blockedSettlementEntryCount=%d\ntotalEstimatedCostUsd=%.2f\n")
+			TEXT("totalReportedCostUsd=%.2f\ntotalSettlementDeltaUsd=%.2f\n")
+			TEXT("highestSettlementDeltaUsd=%.2f\nlatestExceptionEntryId=%s\n")
+			TEXT("latestSourceKind=%s\nlastError=%s"),
+			*ShellState.ActiveProviderProfileId,
+			*ShellState.ActiveServiceLaneId,
+			ShellState.ExceptionEntryCount,
+			ShellState.ExternalPortalHandoffReadyEntryCount,
+			ShellState.PendingChargeEntryCount,
+			ShellState.ManualReviewEntryCount,
+			ShellState.RouteDegradedEntryCount,
+			ShellState.BlockedSettlementEntryCount,
+			ShellState.TotalEstimatedCostUsd,
+			ShellState.TotalReportedCostUsd,
+			ShellState.TotalSettlementDeltaUsd,
+			ShellState.HighestSettlementDeltaUsd,
+			*ShellState.LatestExceptionEntryId,
+			*ShellState.LatestSourceKind,
+			*SessionState.LastError
+		);
+		ShellState.ActiveIssueCount = ShellState.Issues.Num();
+	}
+
+	void SynchronizeSpeechProviderSettlementExceptionState(
+		FHyperTwistTrainingCompanionSpeechSessionState& SessionState
+	)
+	{
+		FHyperTwistSpeechSessionConfig EffectiveConfig = SessionState.SessionConfig;
+		ApplySpeechUsageCostDefaults(EffectiveConfig);
+		if (!SessionState.ProviderBillingSettlementShellState.IsStructurallyValid())
+		{
+			SessionState.ProviderBillingSettlementShellState =
+				BuildSpeechProviderBillingSettlementShellState(EffectiveConfig, &SessionState);
+		}
+
+		const FHyperTwistSpeechProviderSettlementExceptionShellProfile Profile =
+			EffectiveConfig.ProviderSettlementExceptionShellProfileDefinition.IsStructurallyValid()
+				? EffectiveConfig.ProviderSettlementExceptionShellProfileDefinition
+				: BuildDefaultSpeechProviderSettlementExceptionShellProfile(
+					!EffectiveConfig.ProviderSettlementExceptionShellProfileId.IsEmpty()
+						? EffectiveConfig.ProviderSettlementExceptionShellProfileId
+						: TEXT("speech-provider-settlement-exception-shell-v1")
+				);
+
+		if (!SessionState.ProviderSettlementExceptionShellState.IsStructurallyValid())
+		{
+			SessionState.ProviderSettlementExceptionShellState =
+				BuildSpeechProviderSettlementExceptionShellState(EffectiveConfig, &SessionState);
+		}
+
+		FHyperTwistSpeechProviderSettlementExceptionShellState& ShellState =
+			SessionState.ProviderSettlementExceptionShellState;
+		ShellState.SettlementExceptionShellProfileId =
+			Profile.SettlementExceptionShellProfileId;
+		ShellState.AvailableActionIds.Reset();
+		for (const FHyperTwistSpeechShellActionBinding& ActionBinding : Profile.ActionBindings)
+		{
+			ShellState.AvailableActionIds.AddUnique(ActionBinding.ActionId);
+		}
+
+		ApplySpeechProviderSettlementExceptionPosture(Profile, SessionState, ShellState);
+
+		ShellState.AvailableActionIds.AddUnique(Profile.RefreshActionId);
+		ShellState.AvailableActionIds.AddUnique(Profile.ExceptionInspectActionId);
+		ShellState.AvailableActionIds.AddUnique(Profile.ExternalPortalHandoffActionId);
+		ShellState.AvailableActionIds.AddUnique(Profile.RouteInspectActionId);
+		ShellState.AvailableActionIds.AddUnique(Profile.BudgetInspectActionId);
+		if (ShellState.ActiveIssue.IsStructurallyValid())
+		{
+			ShellState.AvailableActionIds.AddUnique(ShellState.ActiveIssue.RecommendedActionId);
+		}
+	}
+
 	FHyperTwistSpeechMicrophoneShellState BuildCoachCommandMicrophoneShellState(
 		const FHyperTwistSpeechSessionConfig& SessionConfig,
 		const FHyperTwistTrainingCompanionSpeechSessionState* PriorState,
@ -6221,6 +6714,63 @@ namespace HyperTwistTrainingSubsystemInternal
 		return ShellState;
 	}

+	FHyperTwistSpeechProviderSettlementExceptionShellState
+	BuildSpeechProviderSettlementExceptionShellState(
+		const FHyperTwistSpeechSessionConfig& SessionConfig,
+		const FHyperTwistTrainingCompanionSpeechSessionState* PriorState
+	)
+	{
+		const FHyperTwistSpeechProviderSettlementExceptionShellProfile Profile =
+			SessionConfig.ProviderSettlementExceptionShellProfileDefinition.IsStructurallyValid()
+				? SessionConfig.ProviderSettlementExceptionShellProfileDefinition
+				: BuildDefaultSpeechProviderSettlementExceptionShellProfile(
+					!SessionConfig.ProviderSettlementExceptionShellProfileId.IsEmpty()
+						? SessionConfig.ProviderSettlementExceptionShellProfileId
+						: TEXT("speech-provider-settlement-exception-shell-v1")
+				);
+
+		FHyperTwistSpeechProviderSettlementExceptionShellState ShellState;
+		ShellState.SettlementExceptionShellProfileId =
+			Profile.SettlementExceptionShellProfileId;
+		ShellState.ActiveProviderProfileId =
+			SessionConfig.ProviderProfileDefinition.IsStructurallyValid()
+				? SessionConfig.ProviderProfileDefinition.ProviderProfileId
+				: TEXT("speech-provider/local-http-sidecar-profile-v1");
+		ShellState.ActiveProviderDisplayLabel =
+			SessionConfig.ProviderProfileDefinition.IsStructurallyValid()
+				? SessionConfig.ProviderProfileDefinition.DisplayLabel
+				: TEXT("Local HTTP Speech Sidecar");
+		ShellState.ActiveServiceLaneId = !SessionConfig.OrchestrationProfile.ServiceLaneId.IsEmpty()
+			? SessionConfig.OrchestrationProfile.ServiceLaneId
+			: TEXT("speech/python-service");
+		ShellState.SelectedSettlementWindowId = !SessionConfig.CostEventTemplate.AggregationWindowId.IsEmpty()
+			? SessionConfig.CostEventTemplate.AggregationWindowId
+			: TEXT("current-session");
+		ShellState.ExceptionSurfaceModeId = Profile.ExceptionSurfaceMode;
+		ShellState.ExternalPortalHandoffModeId = Profile.ExternalPortalHandoffMode;
+		ShellState.bExceptionTimelineVisible = Profile.bSupportsExceptionTimeline;
+		ShellState.bExternalPortalHandoffVisible = Profile.bSupportsExternalPortalHandoff;
+		ShellState.bExceptionReviewVisible = Profile.bSupportsSettlementExceptionReview;
+		for (const FHyperTwistSpeechShellActionBinding& ActionBinding : Profile.ActionBindings)
+		{
+			ShellState.AvailableActionIds.AddUnique(ActionBinding.ActionId);
+		}
+
+		if (PriorState != nullptr
+			&& PriorState->ProviderSettlementExceptionShellState
+				.SettlementExceptionShellProfileId
+				== Profile.SettlementExceptionShellProfileId)
+		{
+			ShellState = PriorState->ProviderSettlementExceptionShellState;
+			ShellState.SettlementExceptionShellProfileId =
+				Profile.SettlementExceptionShellProfileId;
+			ShellState.ExceptionSurfaceModeId = Profile.ExceptionSurfaceMode;
+			ShellState.ExternalPortalHandoffModeId = Profile.ExternalPortalHandoffMode;
+		}
+
+		return ShellState;
+	}
+
 	FHyperTwistVisionCorrectionState BuildClassicCubeCorrectionState(
 		const FHyperTwistVisionSessionConfig& SessionConfig,
 		const FHyperTwistVisionReconstructionSession& ReconstructionSession,
@ -11605,6 +12155,11 @@ bool UHyperTwistTrainingSubsystem::OpenActiveCompanionSpeechSession(FString& Out
 			SessionConfig,
 			nullptr
 		);
+	ActiveCompanionSpeechSessionState.ProviderSettlementExceptionShellState =
+		HyperTwistTrainingSubsystemInternal::BuildSpeechProviderSettlementExceptionShellState(
+			SessionConfig,
+			nullptr
+		);

 	if (ActiveCompanionSpeechSessionState.bSessionOpen
 		&& ActiveCompanionSpeechSessionState.ActiveSessionId != SessionConfig.SessionId)
@ -11688,6 +12243,9 @@ FHyperTwistSpeechTranscriptResult UHyperTwistTrainingSubsystem::SubmitActiveComp
 		HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderBillingSettlementState(
 			ActiveCompanionSpeechSessionState
 		);
+		HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderSettlementExceptionState(
+			ActiveCompanionSpeechSessionState
+		);
 		return Result;
 	}

@ -11871,6 +12429,9 @@ FHyperTwistSpeechTranscriptResult UHyperTwistTrainingSubsystem::SubmitActiveComp
 	HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderBillingSettlementState(
 		ActiveCompanionSpeechSessionState
 	);
+	HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderSettlementExceptionState(
+		ActiveCompanionSpeechSessionState
+	);

 	return Result;
 }
@ -12626,6 +13187,9 @@ void UHyperTwistTrainingSubsystem::RefreshCompanionSpeechServiceHealth()
 		HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderBillingSettlementState(
 			ActiveCompanionSpeechSessionState
 		);
+		HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderSettlementExceptionState(
+			ActiveCompanionSpeechSessionState
+		);
 		return;
 	}

@ -12663,6 +13227,9 @@ void UHyperTwistTrainingSubsystem::RefreshCompanionSpeechServiceHealth()
 	HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderBillingSettlementState(
 		ActiveCompanionSpeechSessionState
 	);
+	HyperTwistTrainingSubsystemInternal::SynchronizeSpeechProviderSettlementExceptionState(
+		ActiveCompanionSpeechSessionState
+	);
 }

 void UHyperTwistTrainingSubsystem::AppendRecognitionReplayEvent(
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Public/HyperTwistRecognition/HyperTwistRecognitionTypes.h
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Public/HyperTwistRecognition/HyperTwistRecognitionTypes.h
@ -4036,6 +4036,403 @@ struct FHyperTwistSpeechProviderBillingSettlementShellState
 	}
 };

+USTRUCT(BlueprintType)
+struct FHyperTwistSpeechProviderSettlementExceptionShellProfile
+{
+	GENERATED_BODY()
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString SettlementExceptionShellProfileId =
+		TEXT("speech-provider-settlement-exception-shell-v1");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ShellKind = TEXT("operator-provider-settlement-exception");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExceptionSurfaceMode = TEXT("settlement-exception-triage");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExternalPortalHandoffMode = TEXT("reference-only-provider-portal-handoff");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString RefreshActionId = TEXT("refresh-provider-settlement-exceptions");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExceptionInspectActionId = TEXT("inspect-provider-settlement-exception");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExternalPortalHandoffActionId =
+		TEXT("review-provider-external-portal-handoff");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString RouteInspectActionId = TEXT("inspect-provider-route");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString BudgetInspectActionId = TEXT("review-provider-budget");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 RetainedExceptionEntryLimit = 12;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bSupportsExceptionTimeline = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bSupportsExternalPortalHandoff = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bSupportsSettlementExceptionReview = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bSupportsPendingChargeExceptions = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bPreservesFirstPartyHandoffOwnership = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	TArray<FHyperTwistSpeechShellPanelLayout> Panels;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	TArray<FHyperTwistSpeechShellActionBinding> ActionBindings;
+
+	bool IsStructurallyValid() const
+	{
+		if (SettlementExceptionShellProfileId.IsEmpty()
+			|| ShellKind.IsEmpty()
+			|| ExceptionSurfaceMode.IsEmpty()
+			|| ExternalPortalHandoffMode.IsEmpty()
+			|| RefreshActionId.IsEmpty()
+			|| ExceptionInspectActionId.IsEmpty()
+			|| ExternalPortalHandoffActionId.IsEmpty()
+			|| RouteInspectActionId.IsEmpty()
+			|| BudgetInspectActionId.IsEmpty()
+			|| RetainedExceptionEntryLimit <= 0
+			|| Panels.Num() <= 0
+			|| ActionBindings.Num() <= 0)
+		{
+			return false;
+		}
+
+		for (const FHyperTwistSpeechShellPanelLayout& Panel : Panels)
+		{
+			if (!Panel.IsStructurallyValid())
+			{
+				return false;
+			}
+		}
+
+		for (const FHyperTwistSpeechShellActionBinding& ActionBinding : ActionBindings)
+		{
+			if (!ActionBinding.IsStructurallyValid())
+			{
+				return false;
+			}
+		}
+
+		return true;
+	}
+};
+
+USTRUCT(BlueprintType)
+struct FHyperTwistSpeechProviderSettlementExceptionEntry
+{
+	GENERATED_BODY()
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExceptionEntryId;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString SourceKind = TEXT("settlement-derived-pending-charge");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString SettlementEntryId = TEXT("speech-provider-settlement-entry/current-session");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ReceiptEntryId = TEXT("speech-provider-receipt-entry/current-session");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString HistoryEntryId = TEXT("speech-history-entry/current-session");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ProviderProfileId = TEXT("speech-provider/local-http-sidecar-profile-v1");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ServiceLaneId = TEXT("speech/python-service");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExceptionKindId = TEXT("provider-charge-pending");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString HandoffTargetId = TEXT("external-provider-portal");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString HandoffStateId = TEXT("handoff-deferred-until-provider-posted-charge");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString CapturedAtUtc = TEXT("2026-05-25T00:00:00Z");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float EstimatedCostUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float ReportedCostUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float SettlementDeltaUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bRequiresManualReview = false;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bExternalPortalHandoffReady = false;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bSettlementBlocked = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bRequiresOperatorAttention = false;
+
+	bool IsStructurallyValid() const
+	{
+		return !ExceptionEntryId.IsEmpty()
+			&& !SourceKind.IsEmpty()
+			&& !SettlementEntryId.IsEmpty()
+			&& !ReceiptEntryId.IsEmpty()
+			&& !HistoryEntryId.IsEmpty()
+			&& !ProviderProfileId.IsEmpty()
+			&& !ServiceLaneId.IsEmpty()
+			&& !ExceptionKindId.IsEmpty()
+			&& !HandoffTargetId.IsEmpty()
+			&& !HandoffStateId.IsEmpty()
+			&& !CapturedAtUtc.IsEmpty()
+			&& EstimatedCostUsd >= 0.0f
+			&& ReportedCostUsd >= 0.0f
+			&& SettlementDeltaUsd >= 0.0f;
+	}
+};
+
+USTRUCT(BlueprintType)
+struct FHyperTwistSpeechProviderSettlementExceptionIssue
+{
+	GENERATED_BODY()
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString IssueId;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString IssueKind;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString StatusLine;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString DetailLine;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString RecommendedActionId;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bRequiresOperatorAttention = true;
+
+	bool IsStructurallyValid() const
+	{
+		return !IssueId.IsEmpty()
+			&& !IssueKind.IsEmpty()
+			&& !StatusLine.IsEmpty()
+			&& !DetailLine.IsEmpty()
+			&& !RecommendedActionId.IsEmpty();
+	}
+};
+
+USTRUCT(BlueprintType)
+struct FHyperTwistSpeechProviderSettlementExceptionShellState
+{
+	GENERATED_BODY()
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString SettlementExceptionShellProfileId;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ActiveProviderProfileId = TEXT("speech-provider/local-http-sidecar-profile-v1");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ActiveProviderDisplayLabel = TEXT("Local HTTP Speech Sidecar");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ActiveServiceLaneId = TEXT("speech/python-service");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString SelectedSettlementWindowId = TEXT("current-session");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExceptionSurfaceModeId = TEXT("settlement-exception-triage");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExternalPortalHandoffModeId = TEXT("reference-only-provider-portal-handoff");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString LatestExceptionEntryId;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString LatestSourceKind = TEXT("settlement-derived-pending-charge");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString StatusLine = TEXT("Provider settlement exceptions are ready for bounded inspection.");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString DetailLine = TEXT("First-party settlement exception posture remains bounded above retained settlement review and only exposes reference handoff surfaces.");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ExceptionSummaryText;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 ExceptionEntryCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 ExternalPortalHandoffReadyEntryCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 PendingChargeEntryCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 ManualReviewEntryCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 RouteDegradedEntryCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 BlockedSettlementEntryCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float TotalEstimatedCostUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float TotalReportedCostUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float TotalSettlementDeltaUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	float HighestSettlementDeltaUsd = 0.0f;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bExceptionTimelineVisible = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bExternalPortalHandoffVisible = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bExceptionReviewVisible = true;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bExceptionSummaryReady = false;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bExternalPortalHandoffReady = false;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	bool bSettlementExceptionReviewReady = false;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	int32 ActiveIssueCount = 0;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FHyperTwistSpeechProviderSettlementExceptionIssue ActiveIssue;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	TArray<FHyperTwistSpeechProviderSettlementExceptionIssue> Issues;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	TArray<FHyperTwistSpeechProviderSettlementExceptionEntry> ExceptionEntries;
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	TArray<FString> AvailableActionIds;
+
+	bool IsStructurallyValid() const
+	{
+		if (SettlementExceptionShellProfileId.IsEmpty()
+			|| ActiveProviderProfileId.IsEmpty()
+			|| ActiveProviderDisplayLabel.IsEmpty()
+			|| ActiveServiceLaneId.IsEmpty()
+			|| SelectedSettlementWindowId.IsEmpty()
+			|| ExceptionSurfaceModeId.IsEmpty()
+			|| ExternalPortalHandoffModeId.IsEmpty()
+			|| LatestSourceKind.IsEmpty()
+			|| StatusLine.IsEmpty()
+			|| DetailLine.IsEmpty()
+			|| ExceptionEntryCount < 0
+			|| ExternalPortalHandoffReadyEntryCount < 0
+			|| PendingChargeEntryCount < 0
+			|| ManualReviewEntryCount < 0
+			|| RouteDegradedEntryCount < 0
+			|| BlockedSettlementEntryCount < 0
+			|| TotalEstimatedCostUsd < 0.0f
+			|| TotalReportedCostUsd < 0.0f
+			|| TotalSettlementDeltaUsd < 0.0f
+			|| HighestSettlementDeltaUsd < 0.0f
+			|| ActiveIssueCount < 0
+			|| AvailableActionIds.Num() <= 0)
+		{
+			return false;
+		}
+
+		if (ExceptionEntryCount != ExceptionEntries.Num()
+			|| ExternalPortalHandoffReadyEntryCount > ExceptionEntryCount
+			|| PendingChargeEntryCount > ExceptionEntryCount
+			|| ManualReviewEntryCount > ExceptionEntryCount
+			|| RouteDegradedEntryCount > ExceptionEntryCount
+			|| BlockedSettlementEntryCount > ExceptionEntryCount)
+		{
+			return false;
+		}
+
+		if (ExceptionEntryCount > 0 && LatestExceptionEntryId.IsEmpty())
+		{
+			return false;
+		}
+
+		if (bExceptionSummaryReady && ExceptionSummaryText.IsEmpty())
+		{
+			return false;
+		}
+
+		if (ActiveIssueCount != Issues.Num())
+		{
+			return false;
+		}
+
+		if (ActiveIssueCount > 0 && !ActiveIssue.IsStructurallyValid())
+		{
+			return false;
+		}
+
+		for (const FHyperTwistSpeechProviderSettlementExceptionIssue& Issue : Issues)
+		{
+			if (!Issue.IsStructurallyValid())
+			{
+				return false;
+			}
+		}
+
+		for (const FHyperTwistSpeechProviderSettlementExceptionEntry& Entry : ExceptionEntries)
+		{
+			if (!Entry.IsStructurallyValid())
+			{
+				return false;
+			}
+		}
+
+		for (const FString& ActionId : AvailableActionIds)
+		{
+			if (ActionId.IsEmpty())
+			{
+				return false;
+			}
+		}
+
+		return true;
+	}
+};
+
 USTRUCT(BlueprintType)
 struct FHyperTwistSpeechSessionConfig
 {
@ -4137,6 +4534,14 @@ struct FHyperTwistSpeechSessionConfig
 	FHyperTwistSpeechProviderBillingSettlementShellProfile
 		ProviderBillingSettlementShellProfileDefinition;

+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FString ProviderSettlementExceptionShellProfileId =
+		TEXT("speech-provider-settlement-exception-shell-v1");
+
+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FHyperTwistSpeechProviderSettlementExceptionShellProfile
+		ProviderSettlementExceptionShellProfileDefinition;
+
 	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
 	FString PayloadCustodyProfileId = TEXT("downloadable-model-payload-custody-v1");

@ -4191,6 +4596,8 @@ struct FHyperTwistSpeechSessionConfig
 			|| !ProviderReceiptReviewShellProfileDefinition.IsStructurallyValid()
 			|| ProviderBillingSettlementShellProfileId.IsEmpty()
 			|| !ProviderBillingSettlementShellProfileDefinition.IsStructurallyValid()
+			|| ProviderSettlementExceptionShellProfileId.IsEmpty()
+			|| !ProviderSettlementExceptionShellProfileDefinition.IsStructurallyValid()
 			|| PayloadCustodyProfileId.IsEmpty()
 			|| !PayloadCustodyProfileDefinition.IsStructurallyValid()
 			|| RequiredModelPayloads.Num() <= 0
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Public/HyperTwistTraining/HyperTwistTrainingTypes.h
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Public/HyperTwistTraining/HyperTwistTrainingTypes.h
@ -1952,6 +1952,9 @@ struct FHyperTwistTrainingCompanionSpeechSessionState
 	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
 	FHyperTwistSpeechProviderBillingSettlementShellState ProviderBillingSettlementShellState;

+	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
+	FHyperTwistSpeechProviderSettlementExceptionShellState ProviderSettlementExceptionShellState;
+
 	UPROPERTY(EditAnywhere, BlueprintReadWrite, Category = "HyperTwist")
 	FHyperTwistSpeechTranscriptResult LastTranscriptResult;
 };
--- a/UnrealHyperTwist/Source/UnrealHyperTwist/Tests/HyperTwistWhisperCppPhase6RAEProviderSettlementExceptionShellContractTest.cpp
+++ b/UnrealHyperTwist/Source/UnrealHyperTwist/Tests/HyperTwistWhisperCppPhase6RAEProviderSettlementExceptionShellContractTest.cpp
@ -0,0 +1,295 @@
+// Copyright HyperTwist, Inc. All Rights Reserved.
+
+#include "Misc/AutomationTest.h"
+
+#include "Engine/GameInstance.h"
+#include "HyperTwistRecognition/HyperTwistSpeechClient.h"
+#include "HyperTwistTraining/HyperTwistTrainingSubsystem.h"
+#include "UObject/UnrealType.h"
+
+#if WITH_AUTOMATION_TESTS
+
+namespace HyperTwistWhisperCppPhase6RAETestInternal
+{
+	FHyperTwistTrainingDeck MakeSpeechDeck()
+	{
+		FHyperTwistTrainingDeck Deck;
+		Deck.DeckId = TEXT("phase6r-ae/provider-settlement-exception");
+		Deck.Title = TEXT("Phase 6R-AE Provider Settlement Exception");
+		Deck.DeliveryModes = {
+			EHyperTwistTrainingDeliveryMode::CoachReviewed
+		};
+
+		FHyperTwistTrainingCase TrainingCase;
+		TrainingCase.CaseId = TEXT("phase6r-ae-case");
+		TrainingCase.PuzzleId = TEXT("cube/3x3x3");
+		TrainingCase.PromptKind = EHyperTwistTrainingPromptKind::Sequence;
+		TrainingCase.PromptLabel = TEXT("Phase 6R-AE Coach Speech");
+		TrainingCase.AllowedDeliveryModes = {
+			EHyperTwistTrainingDeliveryMode::CoachReviewed
+		};
+		Deck.Cases = {TrainingCase};
+		return Deck;
+	}
+
+	void ForceSpeechClientKind(UHyperTwistTrainingSubsystem* TrainingSubsystem, const FString& ClientKind)
+	{
+		if (TrainingSubsystem == nullptr)
+		{
+			return;
+		}
+
+		if (FStrProperty* SpeechClientKindProperty = FindFProperty<FStrProperty>(
+			UHyperTwistTrainingSubsystem::StaticClass(),
+			TEXT("CompanionSpeechClientKind")
+		))
+		{
+			SpeechClientKindProperty->SetPropertyValue_InContainer(TrainingSubsystem, ClientKind);
+		}
+	}
+
+	UHyperTwistTrainingSubsystem* MakeSpeechSubsystem(const FString& SessionId, const FString& ClientKind)
+	{
+		UGameInstance* GameInstance = NewObject<UGameInstance>(GetTransientPackage());
+		if (GameInstance == nullptr)
+		{
+			return nullptr;
+		}
+
+		UHyperTwistTrainingSubsystem* TrainingSubsystem = NewObject<UHyperTwistTrainingSubsystem>(GameInstance);
+		if (TrainingSubsystem == nullptr)
+		{
+			return nullptr;
+		}
+
+		ForceSpeechClientKind(TrainingSubsystem, ClientKind);
+		const FHyperTwistTrainingRunState RunState = TrainingSubsystem->StartTrainingRunFromDeck(
+			MakeSpeechDeck(),
+			TEXT("phase6r-ae-user"),
+			SessionId,
+			EHyperTwistTrainingDeliveryMode::CoachReviewed
+		);
+		return RunState.IsStructurallyValid() ? TrainingSubsystem : nullptr;
+	}
+
+	UHyperTwistHttpSpeechClient* ResolveHttpSpeechClient(UHyperTwistTrainingSubsystem* TrainingSubsystem)
+	{
+		if (TrainingSubsystem == nullptr)
+		{
+			return nullptr;
+		}
+
+		FString CloseError;
+		TrainingSubsystem->CloseActiveCompanionSpeechSession(CloseError);
+
+		if (FObjectPropertyBase* ClientProperty = FindFProperty<FObjectPropertyBase>(
+			UHyperTwistTrainingSubsystem::StaticClass(),
+			TEXT("ActiveCompanionSpeechClientObject")
+		))
+		{
+			return Cast<UHyperTwistHttpSpeechClient>(
+				ClientProperty->GetObjectPropertyValue_InContainer(TrainingSubsystem)
+			);
+		}
+
+		return nullptr;
+	}
+
+	FHyperTwistSpeechUtteranceEnvelope MakeUtterance()
+	{
+		FHyperTwistSpeechUtteranceEnvelope Utterance;
+		Utterance.AudioRef = TEXT("exception-coach");
+		Utterance.SpeechStartMs = 120;
+		Utterance.SpeechEndMs = 840;
+		Utterance.SilenceGapMs = 240;
+		return Utterance;
+	}
+
+	bool ContainsPanelId(
+		const TArray<FHyperTwistSpeechShellPanelLayout>& Panels,
+		const FString& ExpectedPanelId
+	)
+	{
+		for (const FHyperTwistSpeechShellPanelLayout& Panel : Panels)
+		{
+			if (Panel.PanelId == ExpectedPanelId)
+			{
+				return true;
+			}
+		}
+
+		return false;
+	}
+
+	bool ContainsActionId(
+		const TArray<FHyperTwistSpeechShellActionBinding>& ActionBindings,
+		const FString& ExpectedActionId
+	)
+	{
+		for (const FHyperTwistSpeechShellActionBinding& ActionBinding : ActionBindings)
+		{
+			if (ActionBinding.ActionId == ExpectedActionId)
+			{
+				return true;
+			}
+		}
+
+		return false;
+	}
+}
+
+IMPLEMENT_SIMPLE_AUTOMATION_TEST(
+	FHyperTwistWhisperCppPhase6RAEProviderSettlementExceptionSessionConfigTest,
+	"HyperTwist.Permissive.WhisperCpp.Phase6R.AE.ProviderSettlementExceptionSessionConfig",
+	EAutomationTestFlags::EditorContext | EAutomationTestFlags::EngineFilter
+)
+
+bool FHyperTwistWhisperCppPhase6RAEProviderSettlementExceptionSessionConfigTest::RunTest(
+	const FString& Parameters
+)
+{
+	UHyperTwistTrainingSubsystem* TrainingSubsystem =
+		HyperTwistWhisperCppPhase6RAETestInternal::MakeSpeechSubsystem(
+			TEXT("phase6r-ae-config-session"),
+			TEXT("mock")
+		);
+	TestNotNull(TEXT("The speech subsystem must be constructed for Phase 6R-AE."), TrainingSubsystem);
+	if (TrainingSubsystem == nullptr)
+	{
+		return false;
+	}
+
+	FString OpenError;
+	TestTrue(TEXT("The mock settlement-exception route must open a speech session."), TrainingSubsystem->OpenActiveCompanionSpeechSession(OpenError));
+	TestTrue(TEXT("Opening the mock settlement-exception speech session must not report an error."), OpenError.IsEmpty());
+
+	const FHyperTwistSpeechSessionConfig& Config =
+		TrainingSubsystem->GetActiveCompanionSpeechSessionState().SessionConfig;
+
+	TestTrue(TEXT("The settlement-exception session config must remain structurally valid."), Config.IsStructurallyValid());
+	TestEqual(TEXT("The settlement-exception shell profile id must be present."), Config.ProviderSettlementExceptionShellProfileId, TEXT("speech-provider-settlement-exception-shell-v1"));
+	TestTrue(TEXT("The settlement-exception shell profile must remain structurally valid."), Config.ProviderSettlementExceptionShellProfileDefinition.IsStructurallyValid());
+	TestEqual(TEXT("The settlement-exception shell must preserve the operator-facing shell kind."), Config.ProviderSettlementExceptionShellProfileDefinition.ShellKind, TEXT("operator-provider-settlement-exception"));
+	TestEqual(TEXT("The settlement-exception shell must preserve the exception inspect action id."), Config.ProviderSettlementExceptionShellProfileDefinition.ExceptionInspectActionId, TEXT("inspect-provider-settlement-exception"));
+	TestEqual(TEXT("The settlement-exception shell must preserve the external handoff action id."), Config.ProviderSettlementExceptionShellProfileDefinition.ExternalPortalHandoffActionId, TEXT("review-provider-external-portal-handoff"));
+	TestTrue(TEXT("The settlement-exception shell must include the external handoff panel."), HyperTwistWhisperCppPhase6RAETestInternal::ContainsPanelId(Config.ProviderSettlementExceptionShellProfileDefinition.Panels, TEXT("external-portal-handoff-card")));
+	TestTrue(TEXT("The settlement-exception shell must include the exception inspect action."), HyperTwistWhisperCppPhase6RAETestInternal::ContainsActionId(Config.ProviderSettlementExceptionShellProfileDefinition.ActionBindings, TEXT("inspect-provider-settlement-exception")));
+	return true;
+}
+
+IMPLEMENT_SIMPLE_AUTOMATION_TEST(
+	FHyperTwistWhisperCppPhase6RAEProviderSettlementExceptionShellStateTest,
+	"HyperTwist.Permissive.WhisperCpp.Phase6R.AE.ProviderSettlementExceptionShellState",
+	EAutomationTestFlags::EditorContext | EAutomationTestFlags::EngineFilter
+)
+
+bool FHyperTwistWhisperCppPhase6RAEProviderSettlementExceptionShellStateTest::RunTest(
+	const FString& Parameters
+)
+{
+	UHyperTwistTrainingSubsystem* TrainingSubsystem =
+		HyperTwistWhisperCppPhase6RAETestInternal::MakeSpeechSubsystem(
+			TEXT("phase6r-ae-shell-session"),
+			TEXT("mock")
+		);
+	TestNotNull(TEXT("The speech subsystem must be constructed for Phase 6R-AE."), TrainingSubsystem);
+	if (TrainingSubsystem == nullptr)
+	{
+		return false;
+	}
+
+	FString OpenError;
+	TestTrue(TEXT("The mock settlement-exception route must open a speech session."), TrainingSubsystem->OpenActiveCompanionSpeechSession(OpenError));
+	TestTrue(TEXT("Opening the mock settlement-exception speech session must not report an error."), OpenError.IsEmpty());
+
+	const FHyperTwistSpeechTranscriptResult Result =
+		TrainingSubsystem->SubmitActiveCompanionSpeechUtterance(
+			HyperTwistWhisperCppPhase6RAETestInternal::MakeUtterance()
+		);
+	TestTrue(TEXT("The mock settlement-exception utterance must produce a final transcript."), Result.bIsFinal);
+	TestTrue(TEXT("The mock settlement-exception utterance must remain structurally valid."), Result.IsStructurallyValid());
+
+	const FHyperTwistTrainingCompanionSpeechSessionState SessionState =
+		TrainingSubsystem->GetActiveCompanionSpeechSessionState();
+	const FHyperTwistSpeechServiceHealth& Health = SessionState.ServiceHealth;
+	const FHyperTwistSpeechProviderSettlementExceptionShellState& ExceptionState =
+		SessionState.ProviderSettlementExceptionShellState;
+
+	TestTrue(TEXT("The service health must expose the settlement-exception shell."), Health.Capabilities.Contains(TEXT("providerSettlementExceptionShell")));
+	TestTrue(TEXT("The service health must expose external portal handoff."), Health.Capabilities.Contains(TEXT("providerExternalPortalHandoff")));
+	TestTrue(TEXT("The service health must expose settlement-exception review."), Health.Capabilities.Contains(TEXT("providerSettlementExceptionReview")));
+
+	TestTrue(TEXT("The settlement-exception shell state must remain structurally valid."), ExceptionState.IsStructurallyValid());
+	TestEqual(TEXT("The settlement-exception shell must preserve the mock provider profile."), ExceptionState.ActiveProviderProfileId, TEXT("speech-provider/mock-offline-profile-v1"));
+	TestEqual(TEXT("The settlement-exception shell must retain exactly two bounded exception entries after open and submit."), ExceptionState.ExceptionEntryCount, 2);
+	TestEqual(TEXT("The settlement-exception shell must preserve the latest source kind."), ExceptionState.LatestSourceKind, TEXT("settlement-derived-pending-charge"));
+	TestTrue(TEXT("The settlement-exception shell must preserve summary readiness."), ExceptionState.bExceptionSummaryReady);
+	TestFalse(TEXT("The settlement-exception shell must not mark external handoff ready before provider-posted charges or route exceptions appear."), ExceptionState.bExternalPortalHandoffReady);
+	TestTrue(TEXT("The settlement-exception shell must preserve exception-review visibility."), ExceptionState.bSettlementExceptionReviewReady);
+	TestTrue(TEXT("The settlement-exception shell must preserve the external handoff action."), ExceptionState.AvailableActionIds.Contains(TEXT("review-provider-external-portal-handoff")));
+	TestTrue(TEXT("The settlement-exception shell must preserve the exception inspect action."), ExceptionState.AvailableActionIds.Contains(TEXT("inspect-provider-settlement-exception")));
+	TestEqual(TEXT("The settlement-exception shell must preserve zero external-handoff-ready entries in the mock route."), ExceptionState.ExternalPortalHandoffReadyEntryCount, 0);
+	TestEqual(TEXT("The settlement-exception shell must preserve the pending-charge entry count."), ExceptionState.PendingChargeEntryCount, 2);
+	TestEqual(TEXT("The settlement-exception shell must preserve the manual-review entry count."), ExceptionState.ManualReviewEntryCount, 0);
+	TestEqual(TEXT("The settlement-exception shell must preserve the blocked-settlement entry count."), ExceptionState.BlockedSettlementEntryCount, 2);
+	TestTrue(TEXT("The settlement-exception shell must accumulate the mock estimated cost."), FMath::IsNearlyEqual(ExceptionState.TotalEstimatedCostUsd, 0.02f));
+	TestTrue(TEXT("The settlement-exception shell must preserve zero settlement delta while provider charges are still pending."), FMath::IsNearlyEqual(ExceptionState.TotalSettlementDeltaUsd, 0.0f));
+	TestEqual(TEXT("The settlement-exception shell must surface the pending provider-charge issue."), ExceptionState.ActiveIssue.IssueKind, TEXT("provider-charge-pending"));
+	TestTrue(TEXT("The settlement-exception summary text must preserve the bounded pending-charge count."), ExceptionState.ExceptionSummaryText.Contains(TEXT("pendingChargeEntryCount=2")));
+	return true;
+}
+
+IMPLEMENT_SIMPLE_AUTOMATION_TEST(
+	FHyperTwistWhisperCppPhase6RAEProviderBackedSettlementExceptionFallbackTest,
+	"HyperTwist.Permissive.WhisperCpp.Phase6R.AE.ProviderBackedSettlementExceptionFallback",
+	EAutomationTestFlags::EditorContext | EAutomationTestFlags::EngineFilter
+)
+
+bool FHyperTwistWhisperCppPhase6RAEProviderBackedSettlementExceptionFallbackTest::RunTest(
+	const FString& Parameters
+)
+{
+	UHyperTwistTrainingSubsystem* TrainingSubsystem =
+		HyperTwistWhisperCppPhase6RAETestInternal::MakeSpeechSubsystem(
+			TEXT("phase6r-ae-provider-session"),
+			TEXT("http-sidecar")
+		);
+	TestNotNull(TEXT("The speech subsystem must be constructed for Phase 6R-AE."), TrainingSubsystem);
+	if (TrainingSubsystem == nullptr)
+	{
+		return false;
+	}
+
+	UHyperTwistHttpSpeechClient* HttpSpeechClient =
+		HyperTwistWhisperCppPhase6RAETestInternal::ResolveHttpSpeechClient(TrainingSubsystem);
+	TestNotNull(TEXT("The provider-backed speech client must be available for the settlement-exception fallback test."), HttpSpeechClient);
+	if (HttpSpeechClient == nullptr)
+	{
+		return false;
+	}
+
+	HttpSpeechClient->ServiceBaseUrl.Reset();
+
+	FString OpenError;
+	TestFalse(TEXT("The provider-backed settlement-exception path must fail cleanly when no provider endpoint is configured."), TrainingSubsystem->OpenActiveCompanionSpeechSession(OpenError));
+	TestEqual(TEXT("The provider-backed settlement-exception path must report the missing service base URL."), OpenError, TEXT("service-base-url-missing"));
+
+	const FHyperTwistTrainingCompanionSpeechSessionState SessionState =
+		TrainingSubsystem->GetActiveCompanionSpeechSessionState();
+	const FHyperTwistSpeechProviderSettlementExceptionShellState& ExceptionState =
+		SessionState.ProviderSettlementExceptionShellState;
+
+	TestTrue(TEXT("The provider-backed settlement-exception fallback must remain structurally valid."), ExceptionState.IsStructurallyValid());
+	TestEqual(TEXT("The fallback settlement-exception shell must preserve the sidecar profile id."), ExceptionState.ActiveProviderProfileId, TEXT("speech-provider/local-http-sidecar-profile-v1"));
+	TestEqual(TEXT("The fallback settlement-exception shell must preserve the fallback source kind."), ExceptionState.LatestSourceKind, TEXT("settlement-fallback-health"));
+	TestEqual(TEXT("The fallback settlement-exception shell must preserve one exception entry."), ExceptionState.ExceptionEntryCount, 1);
+	TestEqual(TEXT("The fallback settlement-exception shell must surface one active issue."), ExceptionState.ActiveIssueCount, 1);
+	TestEqual(TEXT("The fallback settlement-exception shell must surface the route-degraded issue kind."), ExceptionState.ActiveIssue.IssueKind, TEXT("route-degraded"));
+	TestTrue(TEXT("The fallback settlement-exception shell must still expose summary readiness for bounded inspection output."), ExceptionState.bExceptionSummaryReady);
+	TestTrue(TEXT("The fallback settlement-exception shell must mark external handoff ready for route escalation posture."), ExceptionState.bExternalPortalHandoffReady);
+	TestEqual(TEXT("The fallback settlement-exception shell must preserve one external-handoff-ready entry."), ExceptionState.ExternalPortalHandoffReadyEntryCount, 1);
+	TestTrue(TEXT("The fallback settlement-exception summary text must preserve the missing-endpoint reason."), ExceptionState.ExceptionSummaryText.Contains(TEXT("service-base-url-missing")));
+	return true;
+}
+
+#endif
--- a/docs/REPO_LICENSE_TRACKING.md
+++ b/docs/REPO_LICENSE_TRACKING.md
@ -207,9 +207,12 @@ Status update on `2026-05-21`:
  reconciliation control pass is now consumed
 - the bounded first-party `Phase 6R-AD` provider billing settlement and invoice reconciliation
  packet is now landed in current code
- the current next bounded move is a source-backed `Phase 6R-AE` first-party provider settlement
-  exception and external-portal handoff preparation/control pass, not a new restrictive packet by
-  default
+- the generic source-backed `Phase 6R-AE` first-party provider settlement exception and
+  external-portal handoff control pass is now consumed
+- the bounded first-party `Phase 6R-AE` provider settlement exception and external-portal handoff
+  packet is now landed in current code
+- the current next bounded move is a source-backed `Phase 6R-AF` first-party real
+  device-permission workflow preparation/control pass, not a new restrictive packet by default
 - use the repo-row README census, the portfolio standing refresh backfill, and the `2R-A`
  ownership contract for the current queue after that correction

@ -1629,11 +1632,15 @@ Approved working posture:
  and invoice reconciliation shell metadata above the existing transcript-session, shell,
  payload-custody, provider-custody, provider-routing, usage/cost, history/export, and
  receipt-review seams
+- the next bounded first-party implementation slice is now landed as provider settlement
+  exception and external-portal handoff shell metadata above the existing transcript-session,
+  shell, payload-custody, provider-custody, provider-routing, usage/cost, history/export,
+  receipt-review, and settlement seams
 - the top-level provider/session contract remains first-party HyperTwist-owned and
  provider-neutral; this row does not own that lane
- keep provider settlement exception/handoff, real device-permission workflow, native
-  capture-route ownership, actual payment execution, provider-portal ownership, actual payload
-  shipping, and future voice-asset review separate from the code-license judgment
+- keep real device-permission workflow, native capture-route ownership, actual payment
+  execution, provider-portal ownership, actual payload shipping, and future voice-asset review
+  separate from the code-license judgment
 - treat `SYSTRAN/faster-whisper` as the landed complementary Python-orchestration donor rather
  than widening `whisper.cpp` into the runtime core

--- a/docs/arch/HYPERTWIST_PHASE6R_AE_FIRST_PARTY_PROVIDER_SETTLEMENT_EXCEPTION_AND_EXTERNAL_PORTAL_HANDOFF_IMPLEMENTATION_PACKET_2026-05-25.md
+++ b/docs/arch/HYPERTWIST_PHASE6R_AE_FIRST_PARTY_PROVIDER_SETTLEMENT_EXCEPTION_AND_EXTERNAL_PORTAL_HANDOFF_IMPLEMENTATION_PACKET_2026-05-25.md
@ -0,0 +1,175 @@
+# HyperTwist Phase 6R-AE first-party provider settlement exception and external-portal handoff implementation packet
+
+Created on `2026-05-25`
+
+## Status
+
+- first-party HyperTwist packet
+- bounded `Phase 6R-AE` implementation slice
+
+## Purpose
+
+This packet lands the next bounded first-party slice above the landed speech
+session, microphone-shell, payload-custody, provider-custody,
+provider-routing, normalized usage/cost event, operator-facing
+usage/cost dashboard, provider usage/cost history/export, provider
+receipt-review, and provider billing-settlement seams.
+
+The landed slice is:
+
+- first-party provider settlement exception and external-portal handoff shell
+
+It is not:
+
+- an actual payment execution packet
+- a provider-portal ownership packet
+- an external billing settlement packet
+- an external invoice remittance packet
+- an actual payload-shipping packet
+- a real device-permission workflow packet
+- a native audio-device route ownership packet
+- a broad assistant-platform packet
+
+## Current authority basis
+
+This implementation packet stands on:
+
+- `docs/ops/HYPERTWIST_PROVIDER_NEUTRALITY_AND_BYOK_DOCTRINE_2026-05-21.md`
+- `docs/arch/HYPERTWIST_PHASE6R_AE_FIRST_PARTY_PROVIDER_SETTLEMENT_EXCEPTION_AND_EXTERNAL_PORTAL_HANDOFF_PREPARATION_PACKET_2026-05-25.md`
+- `docs/arch/HYPERTWIST_PHASE6R_AD_FIRST_PARTY_PROVIDER_BILLING_SETTLEMENT_AND_INVOICE_RECONCILIATION_IMPLEMENTATION_PACKET_2026-05-25.md`
+
+The preserved owners do not change:
+
+- first-party HyperTwist remains the top-level provider/session owner
+- first-party HyperTwist remains the usage/cost governance owner
+- first-party HyperTwist remains the settlement exception and handoff shell owner
+- `ggml-org/whisper.cpp` remains bounded to offline STT donor seams
+- `SYSTRAN/faster-whisper` remains bounded to complementary Python
+  orchestration/service-lane seams
+
+## Landed scope
+
+The current code now owns a bounded settlement-exception seam through:
+
+- retained recognition contract types for:
+  - `FHyperTwistSpeechProviderSettlementExceptionShellProfile`
+  - `FHyperTwistSpeechProviderSettlementExceptionEntry`
+  - `FHyperTwistSpeechProviderSettlementExceptionIssue`
+  - `FHyperTwistSpeechProviderSettlementExceptionShellState`
+  - expanded `FHyperTwistSpeechSessionConfig`
+  - expanded `FHyperTwistTrainingCompanionSpeechSessionState`
+- contract-library defaults for:
+  - exception shell profile ids and definitions
+  - exception panel ids and action bindings
+  - service-health capability exposure
+- active companion session-config, service-health, and derived settlement-exception
+  shell composition in:
+  - `UHyperTwistTrainingSubsystem`
+- direct speech-client health capability exposure in:
+  - `UHyperTwistHttpSpeechClient`
+  - `UHyperTwistMockSpeechClient`
+- focused automation coverage in:
+  - `HyperTwistWhisperCppPhase6RAEProviderSettlementExceptionShellContractTest.cpp`
+
+## Why this is still intentionally bounded
+
+This packet lands the settlement-exception and external-portal handoff shell
+family only.
+
+Still deferred:
+
+- actual payment execution or provider-portal ownership
+- real device-permission workflow
+- native audio-device route ownership beyond bounded shell posture
+- actual downloadable model/payload shipping
+- broad assistant-platform scope
+
+## Validation
+
+Build validation:
+
+- `UnrealHyperTwistEditor Win64 Development`
+
+Focused automation validation:
+
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.AE` `3/3`
+
+Regression automation validation:
+
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.AD` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.AC` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.AB` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.AA` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.Z` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.Y` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.X` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.W` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.V` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.U` `3/3`
+- `HyperTwist.Permissive.WhisperCpp.Phase6R.E` `3/3`
+- `HyperTwist.Permissive.FasterWhisper.Phase6R.F` `3/3`
+- `HyperTwist.Permissive.Piper.Phase6R.G` `3/3`
+- `HyperTwist.Permissive.Coqui.Phase6R.H` `3/3`
+- `HyperTwist.CleanRoom.CubeDesk` `14/14`
+
+Non-blocking warnings stayed limited to the existing Unreal headless/editor
+noise, the pre-existing plugin dependency warning on `UnrealMCP`, and the
+known `http:/speech/health` and `http:/vision/health` hostname-resolution
+warnings in provider-backed automation.
+
+## Queue effect
+
+This packet consumes the current `Phase 6R-AE` implementation slice.
+
+`ggml-org/whisper.cpp` remains only partially incorporated:
+
+- landed now:
+  - speech transcript session boundary
+  - live microphone shell boundary
+  - device-permission and capture-route readiness shell posture
+  - downloadable model and payload custody boundary
+  - first-party provider-profile and BYOK custody boundary
+  - first-party provider routing and workflow-policy boundary
+  - first-party normalized usage/cost event-model boundary
+  - first-party operator-facing provider usage/cost dashboard shell boundary
+  - first-party provider usage/cost history/export shell boundary
+  - first-party provider receipt review and posted-charge inspection shell
+    boundary
+  - first-party provider billing settlement and invoice reconciliation shell
+    boundary
+  - first-party provider settlement exception and external-portal handoff shell
+    boundary for:
+    - exception shell profile ids and definitions
+    - derived exception entry and issue/state posture
+    - reference-only external-portal handoff readiness
+    - capability exposure for:
+      - `providerSettlementExceptionShell`
+      - `providerExternalPortalHandoff`
+      - `providerSettlementExceptionReview`
+- still deferred:
+  - actual payment execution or provider-portal ownership
+  - real device-permission workflow
+  - native audio-device route ownership beyond bounded shell posture
+  - actual downloadable model/payload shipping
+  - broad assistant-platform scope
+
+The next clean move is:
+
+- a source-backed `Phase 6R-AF` first-party real device-permission workflow
+  preparation/control pass
+
+Keep the future sequencing guards visible:
+
+- first-party HyperTwist
+  - keep the top-level provider/session contract, routing/policy lane,
+    usage/cost governance lane, dashboard shell lane, history/export shell
+    lane, receipt-review shell lane, settlement shell lane, and
+    exception/handoff shell lane first-party
+- `ggml-org/whisper.cpp`
+  - keep code-license judgments separate from actual model or payload shipping
+    review in any follow-on packet
+- `SYSTRAN/faster-whisper`
+  - keep the row complementary to the landed provider/session, custody,
+    routing, usage/cost, dashboard, history/export, receipt-review,
+    settlement, and exception/handoff seams rather than widening it into
+    payment execution or provider-portal ownership
--- a/docs/arch/HYPERTWIST_PHASE6R_AE_FIRST_PARTY_PROVIDER_SETTLEMENT_EXCEPTION_AND_EXTERNAL_PORTAL_HANDOFF_PREPARATION_PACKET_2026-05-25.md
+++ b/docs/arch/HYPERTWIST_PHASE6R_AE_FIRST_PARTY_PROVIDER_SETTLEMENT_EXCEPTION_AND_EXTERNAL_PORTAL_HANDOFF_PREPARATION_PACKET_2026-05-25.md
@ -0,0 +1,138 @@
+# HyperTwist Phase 6R-AE first-party provider settlement exception and external-portal handoff preparation packet
+
+Created on `2026-05-25`
+
+## Status
+
+- first-party HyperTwist packet
+- source-backed `Phase 6R-AE` preparation/control slice
+
+## Purpose
+
+This packet scopes the next bounded first-party slice above the landed speech
+session, microphone-shell, payload-custody, provider-custody,
+provider-routing, normalized usage/cost event, operator-facing
+usage/cost dashboard, provider usage/cost history/export, provider
+receipt-review, and provider billing-settlement seams.
+
+The granted slice is:
+
+- first-party provider settlement exception and external-portal handoff shell only
+
+It is not:
+
+- an actual payment execution packet
+- a provider-portal ownership packet
+- an external billing settlement packet
+- an external invoice remittance packet
+- an actual payload-shipping packet
+- a real device-permission workflow packet
+- a native audio-device route ownership packet
+- a broad assistant-platform packet
+
+## Current authority basis
+
+This control pass stands on:
+
+- `docs/ops/HYPERTWIST_PROVIDER_NEUTRALITY_AND_BYOK_DOCTRINE_2026-05-21.md`
+- `docs/arch/HYPERTWIST_PHASE6R_AD_FIRST_PARTY_PROVIDER_BILLING_SETTLEMENT_AND_INVOICE_RECONCILIATION_IMPLEMENTATION_PACKET_2026-05-25.md`
+- `docs/v6_5_deep_manual_pack/HyperTwist/ROADMAP.md`
+
+The preserved owners do not change here:
+
+- first-party HyperTwist remains the top-level provider/session owner
+- first-party HyperTwist remains the usage/cost governance owner
+- first-party HyperTwist remains the settlement exception and handoff shell owner
+- `ggml-org/whisper.cpp` remains bounded to offline STT donor seams
+- `SYSTRAN/faster-whisper` remains bounded to complementary Python
+  orchestration/service-lane seams
+
+## Granted family
+
+The bounded `Phase 6R-AE` slice may land:
+
+1. first-party settlement-exception shell profile ids and definitions
+2. derived exception entry, issue, and shell-state record shapes
+3. session-config and companion-session-state expansion for those shapes
+4. bounded capability exposure for:
+   - `providerSettlementExceptionShell`
+   - `providerExternalPortalHandoff`
+   - `providerSettlementExceptionReview`
+5. focused automation for pending-charge exception posture and provider-backed
+   route-degraded handoff posture
+
+The packet must stay out of:
+
+- actual payment execution
+- provider-portal ownership
+- external settlement ownership
+- external invoice-remittance ownership
+- actual payload download or redistribution ownership
+- real device-permission workflow ownership
+- native audio-device route ownership
+
+## Proposed implementation shape
+
+Land the narrower first-party boundary through:
+
+- retained recognition contract types for:
+  - provider settlement-exception shell profile
+  - provider settlement-exception entry
+  - provider settlement-exception issue
+  - provider settlement-exception shell state
+  - expanded speech session config
+  - expanded companion speech session state
+- contract-library defaults for:
+  - exception shell profile ids and definitions
+  - exception action bindings and panel ids
+  - service-health capability exposure
+- training-subsystem composition for:
+  - bounded exception posture derived from retained settlement snapshots
+  - reference-only external-portal handoff readiness posture
+  - pending-charge and route-degraded exception posture
+  - explicit separation between first-party handoff surfaces and actual
+    payment execution
+- direct speech-client health capability exposure for:
+  - `providerSettlementExceptionShell`
+  - `providerExternalPortalHandoff`
+  - `providerSettlementExceptionReview`
+
+## Validation target
+
+Validate with:
+
+- Unreal build for `UnrealHyperTwistEditor Win64 Development`
+- focused automation:
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.AE`
+- regressions:
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.AD`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.AC`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.AB`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.AA`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.Z`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.Y`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.X`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.W`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.V`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.U`
+  - `HyperTwist.Permissive.WhisperCpp.Phase6R.E`
+  - `HyperTwist.Permissive.FasterWhisper.Phase6R.F`
+  - `HyperTwist.Permissive.Piper.Phase6R.G`
+  - `HyperTwist.Permissive.Coqui.Phase6R.H`
+  - `HyperTwist.CleanRoom.CubeDesk`
+
+## Queue effect
+
+If this packet lands cleanly, the next bounded move becomes:
+
+- a source-backed `Phase 6R-AF` first-party real device-permission workflow
+  preparation/control pass
+
+Keep the narrow sequencing guards visible:
+
+- keep real device-permission workflow separate from native capture-route
+  ownership
+- keep actual payment execution and provider-portal ownership separate from
+  this packet
+- keep actual payload shipping separate from usage/cost governance
+- keep broad assistant-platform widening outside this packet
--- a/docs/ops/HYPERTWIST_IMPLEMENTATION_PHASE_1_KICKOFF.md
+++ b/docs/ops/HYPERTWIST_IMPLEMENTATION_PHASE_1_KICKOFF.md
@ -184,15 +184,19 @@ The next bounded move is now:
    invoice reconciliation control pass is now consumed
 34. the bounded first-party `Phase 6R-AD` provider billing settlement and invoice
    reconciliation packet is now landed in current code
-35. the next bounded move is a source-backed `Phase 6R-AE` first-party provider settlement
-    exception and external-portal handoff preparation/control pass
-36. keep the speech-lane guard visible:
+35. the generic source-backed `Phase 6R-AE` first-party provider settlement exception and
+    external-portal handoff control pass is now consumed
+36. the bounded first-party `Phase 6R-AE` provider settlement exception and external-portal
+    handoff packet is now landed in current code
+37. the next bounded move is a source-backed `Phase 6R-AF` first-party real
+    device-permission workflow preparation/control pass
+38. keep the speech-lane guard visible:
    - keep code-license judgments separate from model, voice, and payload-license review
-37. keep the provider-neutral speech-lane guard visible:
+39. keep the provider-neutral speech-lane guard visible:
    - first-party HyperTwist owns the top-level provider/session contract
    - `whisper.cpp` and `faster-whisper` may win narrower donor slices without inheriting that
      lane, the provider routing/policy lane, or the usage/cost governance lane
-38. keep the `MagicTile` guard visible:
+40. keep the `MagicTile` guard visible:
    - keep broad non-Euclidean interaction or WinForms/OpenTK host-shell ownership closed by
      default unless a narrower first-party gap is proven above the landed macro-remapping seam

--- a/docs/ops/HYPERTWIST_PROVIDER_NEUTRALITY_AND_BYOK_DOCTRINE_2026-05-21.md
+++ b/docs/ops/HYPERTWIST_PROVIDER_NEUTRALITY_AND_BYOK_DOCTRINE_2026-05-21.md
@ -222,8 +222,10 @@ Current landed ordering status:
  first-party implementation anchor
 - provider billing settlement and invoice reconciliation now also have a
  bounded first-party implementation anchor
- provider settlement exception and external-portal handoff remain the next
-  bounded first-party gap above the landed settlement shell
+- provider settlement exception and external-portal handoff now also have a
+  bounded first-party implementation anchor
+- real device-permission workflow is now the next bounded first-party gap
+  above the landed permission/readiness shell posture
 - actual payment execution or provider-portal ownership remains later
  first-party work
 - provider-specific adapters remain later work
--- a/docs/v6_5_deep_manual_pack/HyperTwist/FEATURE_REGISTRY.md
+++ b/docs/v6_5_deep_manual_pack/HyperTwist/FEATURE_REGISTRY.md
@ -130,6 +130,7 @@ Do not collapse those three tiers into one undifferentiated "features" voice.
 | First-party provider usage/cost history/export shell | Implemented now | landed first-party `Phase 6R-AB` | First-party rolling history entries, export issue/state objects, summary export preview/copy posture, and operator-facing panel/action contracts are now live above the landed provider usage/cost dashboard seam. |
 | First-party provider receipt review and posted-charge inspection shell | Implemented now | landed first-party `Phase 6R-AC` | First-party receipt-review shell profiles, derived receipt-review entries, charge-pending and variance issue posture, and bounded inspection capability exposure are now live above the landed provider usage/cost history/export seam. |
 | First-party provider billing settlement and invoice reconciliation shell | Implemented now | landed first-party `Phase 6R-AD` | First-party settlement shell profiles, derived settlement entries, invoice-reconciliation posture, settlement-readiness issue state, and bounded settlement capability exposure are now live above the landed provider receipt-review seam. |
+| First-party provider settlement exception and external-portal handoff shell | Implemented now | landed first-party `Phase 6R-AE` | First-party settlement-exception shell profiles, derived exception entries, reference-only external-portal handoff posture, and bounded exception capability exposure are now live above the landed provider settlement seam. |
 | Analytics/reporting surfaces | Implemented now | landed analytics/reporting packets | Reporting is real, but bounded to accepted retained slices. |
 | Browser/spatial/media adjunct surfaces | Implemented now | landed `three.js`, `react-three-fiber`, `xr`, `model-viewer`, `remotion` packets | These are implemented bounded families, not proof of unlimited browser-shell parity. |

@ -229,6 +230,7 @@ repo.
 | First-party provider usage/cost history/export shell | Implemented now | landed first-party `Phase 6R-AB` packet | Current bounded history/export shell profile ids/definitions, rolling history entry and export issue/state posture, summary export preview/copy behavior, and capability exposure above the landed provider usage/cost dashboard seam. |
 | First-party provider receipt review and posted-charge inspection shell | Implemented now | landed first-party `Phase 6R-AC` packet | Current bounded receipt-review shell profile ids/definitions, derived receipt-review entry and issue/state posture, and capability exposure above the landed provider usage/cost history/export seam. |
 | First-party provider billing settlement and invoice reconciliation shell | Implemented now | landed first-party `Phase 6R-AD` packet | Current bounded settlement shell profile ids/definitions, derived settlement entry and issue/state posture, invoice-reconciliation readiness, and capability exposure above the landed provider receipt-review seam. |
+| First-party provider settlement exception and external-portal handoff shell | Implemented now | landed first-party `Phase 6R-AE` packet | Current bounded settlement-exception shell profile ids/definitions, derived exception entry and issue/state posture, reference-only external-portal handoff readiness, and capability exposure above the landed provider settlement seam. |
 | OpenAI-compatible custom endpoint support | Deep-source grounded retained | doctrine-defined first-party target | First-class target is now represented in the landed custody model, but full routing/runtime support is still deferred. |
 | Provider-specific overlays | Shallow placeholder | future provider-family work only | Keep internal until source-grounded and normalized. |

--- a/docs/v6_5_deep_manual_pack/HyperTwist/ROADMAP.md
+++ b/docs/v6_5_deep_manual_pack/HyperTwist/ROADMAP.md
@ -183,10 +183,14 @@ Canonical discovery surfaces for roadmap interpretation:
  reconciliation control pass is now consumed
 - the bounded first-party `Phase 6R-AD` provider billing settlement and invoice reconciliation
  packet is now landed in current code
- the current next bounded move is a source-backed `Phase 6R-AE` first-party provider settlement
-  exception and external-portal handoff preparation/control pass, while keeping actual payment
-  execution, provider-portal ownership, real device-permission workflow, native capture-route
-  ownership, and actual payload shipping separately deferred
+- the generic source-backed `Phase 6R-AE` first-party provider settlement exception and
+  external-portal handoff control pass is now consumed
+- the bounded first-party `Phase 6R-AE` provider settlement exception and external-portal
+  handoff packet is now landed in current code
+- the current next bounded move is a source-backed `Phase 6R-AF` first-party real
+  device-permission workflow preparation/control pass, while keeping native capture-route
+  ownership, actual payment execution, provider-portal ownership, and actual payload shipping
+  separately deferred
 - the repo-row implementation queue is now live from that `Phase 6R-A` entry point rather than
  waiting on another first-party packet

@ -273,16 +277,15 @@ Current routing truth:
  - `brianpeiris/RiftSketch`
 - the v6.3 CSV label `not_live_reference_or_discard_candidate` is not the final state by itself; read the closed `0R-E` packet for the retained-versus-discarded split

-The next bounded move is a source-backed `Phase 6R-AE` first-party provider
-settlement exception and external-portal handoff preparation/control pass.
+The next bounded move is a source-backed `Phase 6R-AF` first-party real
+device-permission workflow preparation/control pass.

 Queue interpretation after that control pass:

 - then continue with the retained repo-row queue
 - highest current repo-row queue pressure sits in:
-  - the first-party provider settlement exception and external-portal handoff
-    remainder above the partially landed `whisper.cpp` and `faster-whisper`
-    speech seams
+  - the first-party real device-permission workflow remainder above the
+    partially landed `whisper.cpp` and `faster-whisper` speech seams
 - `HactarCE/Hyperspeedcube` is now closed for the currently justified retained row:
  - landed:
    - puzzle catalog contract
@ -400,8 +403,10 @@ Queue interpretation after that control pass:
      - provider billing settlement shell
      - provider invoice reconciliation
      - provider settlement-readiness review
+      - provider settlement exception shell
+      - provider external-portal handoff
+      - provider settlement-exception review
  - still deferred:
-    - provider settlement exception and external-portal handoff shell surfaces
    - actual payment execution or provider-portal ownership
    - real device-permission workflow
    - native capture-route ownership beyond bounded shell posture
@ -450,14 +455,14 @@ Queue interpretation after that control pass:
    - viseme / gesture runtime integration
    - broad assistant-platform scope
 - the next queue shape is now:
-  - first-party provider settlement exception and external-portal handoff
-    assessment above the landed speech session, shell, payload-custody,
-    provider-custody, provider-routing, normalized usage/cost, operator-facing
-    dashboard, history/export, receipt-review, and settlement seams
+  - first-party real device-permission workflow assessment above the landed
+    speech session, shell, payload-custody, provider-custody, provider-routing,
+    normalized usage/cost, operator-facing dashboard, history/export,
+    receipt-review, settlement, and exception/handoff seams
 - the next bounded move should stay narrow:
-  - a source-backed `Phase 6R-AE` control pass before any widening into actual
-    payment execution, provider-portal ownership, actual payload shipping,
-    real device-permission workflow, broad voice-output ownership, or broad
+  - a source-backed `Phase 6R-AF` control pass before any widening into native
+    capture-route ownership, actual payment execution, provider-portal
+    ownership, actual payload shipping, broad voice-output ownership, or broad
    assistant-platform scope
 - keep the speech-input / voice sidecar legal sequencing guard visible:
  - keep code-license judgments separate from model, voice, and payload-license review