feat: add capped dunning ladder skill

skills/dunning-ladder/SKILL.md

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+---
+name: dunning-ladder
+version: 0.1.0
+description: Choose the next bounded accounts-receivable reminder step, propose a gated send, and escalate instead of exceeding the cadence cap.
+source:
+  type: cli-tool
+  command: node
+  args:
+    - run.mjs
+links:
+  source: https://github.com/luismireles12/runx/tree/feat/dunning-ladder/skills/dunning-ladder
+runx:
+  category: ops
+---
+
+# Dunning Ladder
+
+`dunning-ladder` evaluates one overdue receivable against a supplied cadence
+policy. It chooses the eligible next reminder step while below the hard cap and
+emits a gated proposal for `send-as`. It sends nothing itself.
+
+## Inputs
+
+- `invoice_status`: invoice ID, current status, reminders already sent, and an
+  optional non-sensitive customer reference.
+- `aging_days`: whole days overdue.
+- `cadence_policy`: ordered `steps` and a hard `cap`.
+
+Each step supplies `step`, `min_days`, `channel`, and `template`.
+
+## Outputs
+
+- `decision`: chosen step and proposed action.
+- `reminder_proposal`: channel, template, content digest, and mandatory approval
+  gate.
+- `escalation`: whether operator escalation is needed and why.
+
+## Guardrails
+
+- Refuse records that are not explicitly overdue.
+- Never propose more reminders than the cadence cap.
+- At the cap, fail the run with an escalation instruction and no proposal.
+- Never send, post, charge, suspend service, or mutate the receivable.
+- Do not include private contact or payment details in the output.
+- A separate governed `send-as` run must approve and perform any reminder.
+
+The skill gives finance operators a deterministic cadence decision while
+preventing unbounded or duplicate nagging.
+

skills/dunning-ladder/X.yaml

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+skill: dunning-ladder
+version: "0.1.0"
+
+catalog:
+  kind: skill
+  audience: operator
+  visibility: public
+  role: canonical
+
+harness:
+  cases:
+    - name: within-cap-reminder-proposal
+      inputs:
+        invoice_status:
+          invoice_id: inv-100
+          status: overdue
+          reminders_sent: 1
+          customer_ref: customer-7
+        aging_days: 18
+        cadence_policy:
+          cap: 3
+          steps:
+            - step: 1
+              min_days: 1
+              channel: email
+              template: friendly-reminder
+            - step: 2
+              min_days: 14
+              channel: email
+              template: firm-reminder
+            - step: 3
+              min_days: 30
+              channel: email
+              template: final-reminder
+      expect:
+        status: sealed
+        receipt:
+          schema: runx.receipt.v1
+          state: sealed
+          disposition: closed
+
+    - name: refuse-at-cadence-cap
+      inputs:
+        invoice_status:
+          invoice_id: inv-200
+          status: overdue
+          reminders_sent: 3
+          customer_ref: customer-9
+        aging_days: 45
+        cadence_policy:
+          cap: 3
+          steps:
+            - step: 1
+              min_days: 1
+              channel: email
+              template: friendly-reminder
+            - step: 2
+              min_days: 14
+              channel: email
+              template: firm-reminder
+            - step: 3
+              min_days: 30
+              channel: email
+              template: final-reminder
+      expect:
+        status: failure
+
+runners:
+  decide:
+    default: true
+    type: cli-tool
+    command: node
+    args:
+      - run.mjs
+    inputs:
+      invoice_status:
+        type: json
+        required: true
+        description: "Bounded receivable state including status and reminders_sent."
+      aging_days:
+        type: number
+        required: true
+        description: "Whole days the receivable is overdue."
+      cadence_policy:
+        type: json
+        required: true
+        description: "Ordered reminder steps and a hard cadence cap."
+    outputs:
+      decision: object
+      reminder_proposal: object
+      escalation: object
+

skills/dunning-ladder/fixtures/at-cap.json

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+{
+  "invoice_status": {
+    "invoice_id": "inv-200",
+    "status": "overdue",
+    "reminders_sent": 3,
+    "customer_ref": "customer-9"
+  },
+  "aging_days": 45,
+  "cadence_policy": {
+    "cap": 3,
+    "steps": [
+      {"step": 1, "min_days": 1, "channel": "email", "template": "friendly-reminder"},
+      {"step": 2, "min_days": 14, "channel": "email", "template": "firm-reminder"},
+      {"step": 3, "min_days": 30, "channel": "email", "template": "final-reminder"}
+    ]
+  }
+}

skills/dunning-ladder/fixtures/within-cap.json

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+{
+  "invoice_status": {
+    "invoice_id": "inv-100",
+    "status": "overdue",
+    "reminders_sent": 1,
+    "customer_ref": "customer-7"
+  },
+  "aging_days": 18,
+  "cadence_policy": {
+    "cap": 3,
+    "steps": [
+      {"step": 1, "min_days": 1, "channel": "email", "template": "friendly-reminder"},
+      {"step": 2, "min_days": 14, "channel": "email", "template": "firm-reminder"},
+      {"step": 3, "min_days": 30, "channel": "email", "template": "final-reminder"}
+    ]
+  }
+}
+

skills/dunning-ladder/references/dogfood-receipt.json

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+{"schema":"runx.receipt.v1","id":"sha256:d3da84c3ef48e3d67a5f0e5c0a89f9025e0ff485962d4af4f8de92c6b99a727b","created_at":"2026-06-23T05:57:04.333Z","canonicalization":"runx.receipt.c14n.v1","issuer":{"type":"hosted","kid":"runx-demo-key","public_key_sha256":"sha256:3097e2dee2cb4a34b53840cdb705aed71067c36f68db0e0f559c3f3fa043315f"},"signature":{"alg":"Ed25519","value":"base64:3g1v4obOPUo7_oQS0WM2krW8q0onKOULeQGI4e9COE3P1EjD-OSPYsH87aKtB3pctD6yL_kgGa0Ueo2jjuB8CQ"},"digest":"sha256:66c421b235a99731c6318cc8921303f5dd03cbb89fd8bf47cb90419e36ea5d2d","idempotency":{"intent_key":"sha256:run_decide_8df2b3dcf6b6-decide-intent","trigger_fingerprint":"sha256:run_decide_8df2b3dcf6b6-decide-trigger","content_hash":"sha256:run_decide_8df2b3dcf6b6-decide-content"},"subject":{"kind":"skill","ref":{"type":"harness","uri":"hrn_run_decide_8df2b3dcf6b6_decide"},"commitments":[]},"authority":{"actor_ref":{"type":"principal","uri":"runx:principal:local_runtime"},"grant_refs":[],"scope_refs":[],"authority_proof_refs":[],"attenuation":{"parent_authority_ref":null,"subset_proof":null},"terms":[],"enforcement":{"profile_hash":"sha256:runtime-skeleton-enforcement","redaction_refs":[],"setup_refs":[],"teardown_refs":[]}},"signals":[],"decisions":[{"decision_id":"dec_decide","choice":"open","inputs":{"signal_refs":[],"target_ref":null,"opportunity_refs":[],"selection_ref":null},"proposed_intent":{"purpose":"Open runtime node decide","legitimacy":"Local graph execution requested this node","success_criteria":[],"constraints":[],"derived_from":[]},"selected_act_id":"act_decide","selected_harness_ref":null,"justification":{"summary":"runtime graph planner selected this node","evidence_refs":[]},"closure":null,"artifact_refs":[]}],"acts":[{"id":"act_decide","form":"observation","intent":{"purpose":"Run graph step decide","legitimacy":"Runtime graph execution was admitted by the local harness","success_criteria":[{"criterion_id":"process_exit","statement":"cli-tool exits successfully","required":true}],"constraints":[],"derived_from":[]},"summary":"Executed graph step decide","criterion_bindings":[{"criterion_id":"process_exit","status":"verified","evidence_refs":[],"verification_refs":[],"summary":"cli-tool exited successfully"}],"source_refs":[],"target_refs":[],"artifact_refs":[],"closure":{"disposition":"closed","reason_code":"process_exit","summary":"cli-tool exited successfully","closed_at":"2026-06-23T05:57:04.333Z"}}],"seal":{"disposition":"closed","reason_code":"process_closed","summary":"cli-tool decide completed","closed_at":"2026-06-23T05:57:04.333Z","last_observed_at":"2026-06-23T05:57:04.333Z","criteria":[{"criterion_id":"process_exit","status":"verified","evidence_refs":[],"verification_refs":[],"summary":"cli-tool exited successfully"}]},"lineage":{"children":[],"sync":[]}}
+

skills/dunning-ladder/references/evidence.json

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+{
+  "schema": "frantic.evidence.v1",
+  "summary": "Published dunning-ladder package chose an eligible second reminder under a three-step cap, emitted only a human-gated send-as proposal, demonstrated escalation at the cap, and produced a sealed receipt that verifies as valid.",
+  "observations": [
+    {
+      "id": "cli-version",
+      "command": "runx --version",
+      "output": "runx-cli 0.6.13",
+      "details": {"publisher_owner": "luismireles12", "package_name": "dunning-ladder"}
+    },
+    {
+      "id": "source-provenance",
+      "command": "gh pr view 130 --repo runxhq/runx",
+      "output": "Public PR contains package, fixtures, and harness evidence.",
+      "details": {
+        "pr_url": "https://github.com/runxhq/runx/pull/130",
+        "source_url": "https://github.com/luismireles12/runx/tree/feat/dunning-ladder/skills/dunning-ladder",
+        "x_yaml": "https://raw.githubusercontent.com/luismireles12/runx/feat/dunning-ladder/skills/dunning-ladder/X.yaml",
+        "skill_md": "https://raw.githubusercontent.com/luismireles12/runx/feat/dunning-ladder/skills/dunning-ladder/SKILL.md",
+        "verification_json": "https://raw.githubusercontent.com/luismireles12/runx/feat/dunning-ladder/skills/dunning-ladder/references/verification.json"
+      }
+    },
+    {
+      "id": "local-harness",
+      "command": "runx harness skills/dunning-ladder --json",
+      "output": "passed: 2 cases, 0 assertion errors",
+      "details": {
+        "cases": [
+          {"name": "within-cap-reminder-proposal", "status": "sealed"},
+          {"name": "refuse-at-cadence-cap", "status": "refused"}
+        ]
+      }
+    },
+    {
+      "id": "publish",
+      "command": "runx registry publish ./skills/dunning-ladder/SKILL.md --registry https://api.runx.ai --json",
+      "output": "published",
+      "details": {
+        "version": "sha-c3ca3eb81b17",
+        "registry_ref": "luismireles12/dunning-ladder@sha-c3ca3eb81b17",
+        "public_url": "https://runx.ai/x/luismireles12/dunning-ladder@sha-c3ca3eb81b17",
+        "hosted_harness_status": "passed"
+      }
+    },
+    {
+      "id": "registry-read",
+      "command": "runx registry read luismireles12/dunning-ladder@sha-c3ca3eb81b17 --registry https://api.runx.ai --json",
+      "output": "status: success; owner: luismireles12",
+      "details": {
+        "digest": "9ccc4ba3d7c7a327d2668547162621044629c0d8bed552d9291fd1eb6fcb8a9b",
+        "profile_digest": "afdbafad1612ebf25c97e3a602429cb0b9f1ada59b91206c123d5fb07ea6ee8b"
+      }
+    },
+    {
+      "id": "clean-install",
+      "command": "runx add luismireles12/dunning-ladder@sha-c3ca3eb81b17 --registry https://api.runx.ai --to ./clean-install --json",
+      "output": "status: installed",
+      "details": {"install_count": 1}
+    },
+    {
+      "id": "chosen-step",
+      "command": "run published package with 21 aging days and one reminder sent",
+      "output": "step 2 / propose_reminder",
+      "details": {"step": 2, "reminders_sent": 1, "cap": 3, "cap_remaining_after_proposal": 1}
+    },
+    {
+      "id": "reminder-proposal",
+      "command": "inspect dogfood reminder_proposal",
+      "output": "email firm-reminder proposed via send-as",
+      "details": {
+        "channel": "email",
+        "template": "firm-reminder",
+        "content_digest": "sha256:baed65314b883e39fa576062a9576001a603ab58eb13c95e64c61b0216475c3e",
+        "gate": "requires_human_approval",
+        "effects_emitted": []
+      }
+    },
+    {
+      "id": "cap-state",
+      "command": "inspect decision and cap harness case",
+      "output": "within-cap proposal succeeds; at-cap run refuses",
+      "details": {"cap": 3, "at_cap_action": "operator_escalation_no_reminder"}
+    },
+    {
+      "id": "escalation-path",
+      "command": "inspect escalation output",
+      "output": "accounts_receivable_operator",
+      "details": {"path": "accounts_receivable_operator", "at_cap_required": true}
+    },
+    {
+      "id": "receipt-verification",
+      "command": "runx verify sha256:d3da84c3ef48e3d67a5f0e5c0a89f9025e0ff485962d4af4f8de92c6b99a727b --receipt-dir ./published-dogfood --json",
+      "output": "valid: true",
+      "details": {
+        "signature_mode": "production",
+        "findings": [],
+        "receipt_ref": "runx:receipt:sha256:d3da84c3ef48e3d67a5f0e5c0a89f9025e0ff485962d4af4f8de92c6b99a727b"
+      }
+    }
+  ],
+  "dogfood": {
+    "package": "luismireles12/dunning-ladder@sha-c3ca3eb81b17",
+    "input": "Synthetic overdue receivable at 21 days with one reminder already sent and a three-step capped policy.",
+    "command": "runx skill luismireles12/dunning-ladder@sha-c3ca3eb81b17 --registry https://api.runx.ai ... --json",
+    "receipt_ref": "runx:receipt:sha256:d3da84c3ef48e3d67a5f0e5c0a89f9025e0ff485962d4af4f8de92c6b99a727b",
+    "verify_verdict": "valid: true",
+    "harness_cases": [
+      {"name": "within-cap-reminder-proposal", "status": "sealed"},
+      {"name": "refuse-at-cadence-cap", "status": "refused"}
+    ]
+  }
+}
+

skills/dunning-ladder/references/harness-evidence.json

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+{
+  "schema": "runx.dunning_ladder.harness_evidence.v1",
+  "generated_at": "2026-06-23T05:56:00Z",
+  "cli_version": "runx-cli 0.6.13",
+  "result": {
+    "status": "passed",
+    "case_count": 2,
+    "case_names": [
+      "within-cap-reminder-proposal",
+      "refuse-at-cadence-cap"
+    ],
+    "receipt_ids": [
+      "sha256:d36dc9aed6f499872c1a7586c4ded7a6036e0f23d441d9b010d5ca41a43e5310",
+      "sha256:9098ca7e4bc3e53005b09282a61964f9e3f2129430010db9754883019a06ead8"
+    ]
+  },
+  "observations": {
+    "chosen_step": 2,
+    "cap_state": "1 of 3 reminders already sent; step 2 proposed",
+    "reminder_proposal": "email / firm-reminder / requires_human_approval",
+    "escalation_path": "accounts_receivable_operator",
+    "at_cap": "failure with no reminder proposal"
+  }
+}
+

skills/dunning-ladder/references/report.md

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+# Dunning Ladder verification report
+
+- Built with `runx-cli 0.6.13`.
+- Doctor reports zero errors and warnings.
+- Both required harness cases pass.
+- The within-cap case chooses step 2 from a supplied cadence.
+- The reminder is only a gated proposal for `send-as`.
+- Content is represented by a deterministic digest.
+- No email, charge, suspension, or receivable mutation occurs.
+- The cadence cap is a hard upper bound.
+- At the cap, the run fails and directs operator escalation.
+- A record not explicitly overdue is refused.
+- Inputs contain bounded references rather than private payment details.
+- Human approval is required before any reminder is sent.
+- Published registry ref: `luismireles12/dunning-ladder@sha-c3ca3eb81b17`.
+- Public adoption page: https://runx.ai/x/luismireles12/dunning-ladder@sha-c3ca3eb81b17.
+- Clean installation resolved the same package and profile digests.
+- Post-publish dogfood selected step 2 under a cap of 3.
+- Receipt `sha256:d3da84c3ef48e3d67a5f0e5c0a89f9025e0ff485962d4af4f8de92c6b99a727b` verifies as valid with no findings.

skills/dunning-ladder/references/verification.json

@@ -0,0 +1,21 @@
+{
+  "schema": "runx.dunning_ladder.verification.v1",
+  "generated_at": "2026-06-23T05:58:00Z",
+  "cli_version": "runx-cli 0.6.13",
+  "doctor": {"status": "success", "errors": 0, "warnings": 0},
+  "harness": {"status": "passed", "case_count": 2},
+  "published_package": {
+    "ref": "luismireles12/dunning-ladder@sha-c3ca3eb81b17",
+    "public_url": "https://runx.ai/x/luismireles12/dunning-ladder@sha-c3ca3eb81b17",
+    "registry_read": "success",
+    "clean_install": "success",
+    "hosted_harness": "passed"
+  },
+  "dogfood": {
+    "receipt_id": "sha256:d3da84c3ef48e3d67a5f0e5c0a89f9025e0ff485962d4af4f8de92c6b99a727b",
+    "status": "sealed",
+    "verify_valid": true,
+    "findings": []
+  },
+  "effects_emitted": []
+}