# Schemes, claims and settlement

Make a trade scheme claimable with eligibility, accrual and evidence, and know where Boni Accounting takes over.

## A scheme is more than a discount

A trade scheme in Boni Trade OS carries eligibility, an execution record, an accrual and a settlement path. A discount label alone cannot be claimed later, because nothing records who qualified, on which order, for how much.

| Stage | What it records |
|---|---|
| Eligibility | Which parties, products, dates and quantities qualify |
| Execution | The orders and lines the scheme actually applied to |
| Accrual | The value owed, accumulated as qualifying trade happens |
| Claim | The distributor's request against that accrual, with evidence |
| Settlement | The approved outcome and the reference the finance system settles on |

Schemes are evaluated deterministically. A partner can see why an order did or did not qualify, which removes most of the argument that normally follows a claim.

## Claims

A claim is raised against accrued scheme value, damage, expiry or shortage, and links back to the specific orders, returns and movements that support it. Approval is a recorded decision, not a message thread, so the same evidence is available months later during reconciliation.

## Collections

Payment against outstanding balances is recorded per buyer relationship, including ageing. Collections evidence — what was promised, what was collected, by whom, against which invoices — sits alongside the order and return history for that edge.

## Where finance takes over

Trade OS produces canonical accounting events. It does not post them.

| Fact | Owner |
|---|---|
| Order, dispatch, receipt, return, scheme accrual, claim, collection evidence | Boni Trade OS |
| Posted invoice, credit note, journal, tax record, payment, ledger balance | [Boni Accounting](/accounting/overview) |

Keeping these separate is deliberate. It lets a distributor run trade operations in Boni while continuing to use an existing accounting or ERP product, and it prevents an operational correction from silently rewriting a posted financial record. Any export to another accounting system is a downstream projection you opt into.

Canonical: https://docs.boni.one/trade-os/schemes-claims-and-settlement
Version: 1
Updated: 2026-08-19T04:55:39.436Z