Net Deposits: hisob-kitob va nazorat

1) Net Deposits nima va nima uchun ular kerak

• (LTV, ARPPU, NGR bilan ND korrelyatsiyasi),
• mas’ul o’yin (limitlar, o’zini o’zi nazorat qilish, mablag’manbai),
• (AML/sanksiyalar, anomaliyalar),
• operatsiyalar (to’lovlar va antiabyuz bonuslarini ustuvorlashtirish).

Asosiy g’oya

Futbolchi X (deposits) ni kiritdi, Y (withdrawals) ni chiqardi. O’yinchining «haqiqiy to’langan puli» sifatida ekotizimda qolgan barcha narsalar - bu qaytarish, charjbeklar, bekor qilish va boshqa texnik operatsiyalar uchun tuzatilgan Net Deposits.

2) Hisobga olish formulalari va chegaralari

2. 1. Bazaviy formula (mahsulot darajasi)

ND = Deposits
− Withdrawals − (successful, paid)
− Refunded Deposits
+ Chargeback Debits
− Chargeback Credits
± Reversal Adjustments

• Deposits - faqat muvaffaqiyatli qabul qilingan (captured/settled). Keyingi capture’siz avtorizatsiya deb hisoblamaymiz.
• Withdrawals - faqat to’langanlarni hisobga olamiz (paid/settled). Rad etilgan/bekor qilingan ND buyurtmalari kamaytirilmaydi.
• Refunded Deposits - depozitni xuddi shu manbaga qaytarish (same-method).
• Chargeback Debits/Credits - tortishuvlarning sof ta’siri (hisobdan chiqarish/qaytarish).
• Reversal Adjustments - texnik tuzatishlar (masalan, "noto’g" ri "hamyondan qaytarish, yuz dublikat).

2. 2. Hisobni kengaytirish

Bonuslar va Free Bets: Deposits tarkibiga kirmaydi; bu ichki kreditlar. Biroq, abuse-stsenariylar (bonus uchun depozit → tezkor kesh-out) tezkor Withdrawals va/yoki antifraud-tuzatishlar orqali NDni kamaytirishi kerak.
PSP komissiyalari: ND (ND - «markaziy oʻyinchi» metrikasi) dan chiqarib tashlanmaydi. Komissiyalar - P & L. da.
Internal Transfer/Cross-Wallet (sport → kazino): ND o’zgarmaydi (bu balans ichidagi harakat).
Cancel Withdrawal: bekor qilish ND ni kamaytirmaydi (natija boʻlmadi).
Promotional Cashout/Manual Credit: operatorning pul kreditlari NDni oshirmaydi.
Tokenlar/kripto: settle paytidagi fiat ekvivalenti bo’yicha hisoblash (ko’p valyutalikka qarang).
Partial/Split Payments: ND haqiqatan ham settled miqdorda o’sadi.

2. 3. Davr chegaralari

• Activity-based (’settled _ at’tranzaksiyalari boʻyicha). Moliyaviy hisobot uchun tavsiya etiladi.
• Request-based (’created _ at ’/’ requested _ at’): tezkor mahsulot tahlili uchun mos keladi, lekin taqqoslash uchun emas.

3) Kurslarning multivalyutaliligi va ularni baholash

Barcha operatsiyalar settle vaqtidagi kurs bo’yicha reporting currency (masalan, EUR) da amalga oshiriladi.
Фиксируйте: `amount_original`, `currency_original`, `fx_rate_at_settle`, `amount_reporting`.
Kripto uchun:’settled _ at’uchun tanlangan manbada o’rtacha narxdan (VWAP) foydalaning.
Kurslarni oʻzgartirishda tarixiy NDlarni ortiqcha baholamang: haqiqiy FXni hodisa paytida saqlang.

4) ND rol darajalari

ND_user - aniq bir o’yinchining sof qo’yilmalari.
ND_segment - mamlakatlar, kanallar, to’lov provayderlari, affiliatlar bo’yicha.
ND_cohort - ro’yxatdan o’tkazilgan/birinchi depozit sanasi bo’yicha.
ND_platform - davr uchun umumiy ND platformasi.

5) Siyosat va istisnolar

5. 1. Same-method qoidasi & manbaga qaytish

Agar A depoziti M usuli orqali kelgan bo’lsa, depozit mablag’larini qaytarishni M orqali to’lov summasigacha amalga oshirish afzalroqdir. Bu esa AML va bahsli to’lovlar xavfini kamaytiradi.

5. 2. Ichki tuzatishlar

Har qanday qo’lda tuzatish reason_code, audit trail va birlamchi operatsiyaga havolaga ega bo’lishi kerak.
Tuzatishlar loss-chasing/abuse’ni yashirmasligi kerak.

5. 3. Bonus sikllari

«Bonus-driven ND» (bonusni faollashtirgan depozit) bayrogʻi bilan belgilang. Bonus-bog’langan depozitlarsiz ND hisobotlarini tuzing.

6) Hodisa modeli va ma’lumotlar sxemasi

6. 1. Asosiy voqealar

`DEPOSIT_AUTHORIZED`, `DEPOSIT_CAPTURED`, `DEPOSIT_REFUNDED`

`WITHDRAWAL_REQUESTED`, `WITHDRAWAL_PAID`, `WITHDRAWAL_REJECTED`, `WITHDRAWAL_CANCELED`

`CHARGEBACK_DEBITED`, `CHARGEBACK_CREDITED`

`ADJUSTMENT_APPLIED` (тип: REVERSAL, TECH_FIX, FRAUD_CORRECTION и т. п.)

Barcha hodisalar idempotentdir (’idempotency _ key’,’event _ id’). ’event _ id’ deduplikatsiyasi orqali DWHga exactly-once yetkazib berishni qoʻllab-quvvatlang.

6. 2. Mini-sxema (soddalashtirilgan)

payments. transactions (
id, user_id, provider, method, type, status,
amount_original, currency_original,
amount_reporting, reporting_currency, fx_rate_at_settle,
requested_at, settled_at, related_tx_id, reason_code, meta
)

types: DEPOSIT    WITHDRAWAL    REFUND    CHARGEBACK_DEBIT    CHARGEBACK_CREDIT    ADJUSTMENT status: PENDING    AUTHORIZED    CAPTURED    PAID    REJECTED    CANCELED    REFUNDED    SETTLED

ND bo’yicha natijalar «faqat settled/paid/captured» filtrli’type’va’status’bo’yicha agregatsiyalar hisoblanadi.

7) Ma’lumotlar sifatini nazorat qilish va solishtirish

7. 1. PSP/Acquirer bilan taqqoslash

Har kuni PSP hisobotlarini «transactions» bilan solishtirish.
’provider _ ref’, summalar, sanalar, settle, valyutalar va fee bo’yicha o’yinlar (P&L uchun).
Ops: «missing capture», «double refund», «late presentment».

7. 2. Antidubl va idempotentlik

Nazorat:’(provider, provider_tx_id, type, settle_date)’ning oʻziga xosligi.
Qo’l operatsiyalari bo’yicha alohida audit log (’ADJUSTMENT _ APPLIED’).

7. 3. Biznes-qoidalarning yaxlitligi

Tanlangan usulda’PAID’ning depozit tarixisiz chiqishi - qizil bayroq.
Vaqt bo’yicha yaqin’DEPOSIT _ CAPTURED’→’WITHDRAWAL _ PAID’shu summaga - kulrang bayroq (bonus-abuse).

8) Hisobot va dashbordlar

8. 1. Asosiy KPI

’ND _ total’ davri uchun;’ND _ per _ user’,’ND _ median’;

NDni mamlakatlar, usullar, PSP, affiliatlar bo’yicha parchalash;

’ND _ 7/30/90’ ro’yxatga olish kogortlari bo’yicha;

Cash Conversion Lag: median’DEPOSIT _ CAPTURED’dan’WITHDRAWAL _ PAID’gacha.

8. 2. Xavf segmentlari

’ND ≈ 0’ va yuqori aylanishli o’yinchilar - mablag’manbasini tekshirishga nomzodlar.
Tezkor burilish (deposit → withdrawal) <N soat - tergov triggeri.

8. 3. Analitik tekisliklar

Mahsulot (sport/kazino/live): qayerda ND eng «sog’lom».
To’lov usullari: NDning aniq usulda frod-trafikdagi muvaffaqiyatsizliklari.
Kampaniyalar/bonuslar: ND-uplift va bekor qilish post-effekti.

9) Antifrod va mas’uliyatli o’yin siyosati

Depozitlar limitlari (daily/weekly/monthly) - ND-hisobotlarda alohida rioya qilish metrikasi bilan.
Velocity qoidalari: n depozitlar> X uchun Y daqiqa + tezkor kesh-aut = blok/manual tekshirish.
Sanksiyalar/PEP/SoF: ND o’sishi chegaradan yuqori → majburiy Source of Funds.
Mullokalizatsiya: geo/usul/bank mamlakatini KYC mamlakati bilan solishtiring.
Self-exclusion: ND istisnodan keyin qatʼiy 0 bo’lishi kerak; har qanday urinishlar - alert.

10) Jarayonlar va SLO

ND-dashbord hisob-kitobining SLO: T + 1, hisobot zonasining mahalliy TZga tayyorligi 09:00 gacha.

• PSP settlement fayllari oʻtkazib yuborildi,
• dublikatlar noto’g’ri ND segmentiga olib keladi,
• FX ommaviy tafovutlari.
• DRP: determinizatsiya qilingan davr uchun voqealarning re-ingest orqali ND reprocessing.

11) SQL namunalari (shablonlar)

11. 1. Foydalanuvchi va kun boʻyicha ND hisobi

sql
WITH base AS (
SELECT user_id,
DATE(settled_at) AS d,
SUM(CASE WHEN type='DEPOSIT'     AND status IN ('CAPTURED','SETTLED') THEN amount_reporting ELSE 0 END) AS dep,
SUM(CASE WHEN type='WITHDRAWAL'   AND status='PAID'           THEN amount_reporting ELSE 0 END) AS wd,
SUM(CASE WHEN type='REFUND'     AND status='SETTLED'         THEN amount_reporting ELSE 0 END) AS ref_dep,
SUM(CASE WHEN type='CHARGEBACK_DEBIT'  AND status='SETTLED'        THEN amount_reporting ELSE 0 END) AS cb_deb,
SUM(CASE WHEN type='CHARGEBACK_CREDIT' AND status='SETTLED'        THEN amount_reporting ELSE 0 END) AS cb_cr
FROM dw. transactions_flat
WHERE settled_at >=:from AND settled_at <:to
GROUP BY 1,2
)
SELECT user_id, d,
dep - wd - ref_dep + cb_deb - cb_cr AS nd
FROM base;

11. 2. Tez burilish bayrogʻi

sql
SELECT t_dep. user_id, t_dep. id AS dep_id, t_wd. id AS wd_id,
EXTRACT(EPOCH FROM (t_wd. settled_at - t_dep. settled_at))/3600 AS hours_between,
t_dep. amount_reporting, t_wd. amount_reporting
FROM dw. transactions_flat t_dep
JOIN dw. transactions_flat t_wd
ON t_dep. user_id = t_wd. user_id
AND t_wd. type='WITHDRAWAL' AND t_wd. status='PAID'
AND t_wd. amount_reporting BETWEEN t_dep. amount_reporting0. 9 AND t_dep. amount_reporting1. 1
WHERE t_dep. type='DEPOSIT' AND t_dep. status IN ('CAPTURED','SETTLED')
AND t_wd. settled_at - t_dep. settled_at <= INTERVAL '24 hours';

11. 3. Usullar bo’yicha segmentatsiya/PSP

sql
SELECT method, provider,
SUM(CASE WHEN type='DEPOSIT'  AND status IN ('CAPTURED','SETTLED') THEN amount_reporting ELSE 0 END) AS dep,
SUM(CASE WHEN type='WITHDRAWAL' AND status='PAID'          THEN amount_reporting ELSE 0 END) AS wd,
SUM(CASE WHEN type='REFUND'   AND status='SETTLED'         THEN amount_reporting ELSE 0 END) AS ref_dep,
SUM(CASE WHEN type='CHARGEBACK_DEBIT' AND status='SETTLED'     THEN amount_reporting ELSE 0 END) AS cb_deb,
SUM(CASE WHEN type='CHARGEBACK_CREDIT' AND status='SETTLED'     THEN amount_reporting ELSE 0 END) AS cb_cr,
SUM(CASE WHEN type='DEPOSIT'  AND status IN ('CAPTURED','SETTLED') THEN amount_reporting ELSE 0 END)
- SUM(CASE WHEN type='WITHDRAWAL' AND status='PAID'          THEN amount_reporting ELSE 0 END)
- SUM(CASE WHEN type='REFUND'   AND status='SETTLED'         THEN amount_reporting ELSE 0 END)
+ SUM(CASE WHEN type='CHARGEBACK_DEBIT' AND status='SETTLED'     THEN amount_reporting ELSE 0 END)
- SUM(CASE WHEN type='CHARGEBACK_CREDIT' AND status='SETTLED'     THEN amount_reporting ELSE 0 END) AS nd
FROM dw. transactions_flat
WHERE settled_at BETWEEN:from AND:to
GROUP BY 1,2
ORDER BY nd DESC;

12) Alertlar va triggerlar (operatsiya)

Spike ND ↓ usulda: ND> 30% d/d yiqilishi - PSP hodisalari va blokirovkalarni tekshirish.
Spike ND ^ segment bo’yicha: ND o’sishi> 50% w/w - ehtimol yangi aff. - manba yoki sxema quchoqladi.
ND ≈ 0 yuqori aylanishda - majburiy KYC/SoF-tekshirish.
Refund/Chargebackning NDdagi noto’g’ri ulushi - «depozit → o’yin → chiqish» zanjirining auditi.

13) Best practices (qisqacha)

1. NDni settle sanalari bo’yicha hisoblash va FXni settle vaqtida qayd etish.
2. Internal transferni o’yinchining pulidan qat’iy ajratish.
3. Barcha qo’lda tuzatishlar - reason_code va audit bilan.
4. Tezkor burilishlar va kross usullar uchun antifrod qoidalar.
5. Ikkita hisobot: operatsion T + 1 va moliyaviy yopish (oy/chorak).
6. Mantiqni versionlash: Tarixiy vitrinalar migratsiyasi bilan ND v1/v2.

14) Tez-tez so’raladigan masalalar

Q: Bekor qilingan xulosalar hisobga olinadimi?
A: Yo’q. Faqat’WITHDRAWAL _ PAID’NDni kamaytiradi.

Q: Vakolatli bo’lgan, lekin tortib olinmagan depozit bilan nima qilish kerak?
A: NDga kiritilmasin. Bu haqiqiy tushum emas.

Q: chargebackni qanday aks ettirish kerak?
A:’CHARGEBACK _ DEBIT’o’yinchining salbiy hissasini qo’shadi (aslida platforma yo’qotadi), ND debetga ko’payadi, ammo yakuniy moliyaviy hisobot ham charjbeklar bo’yicha zarar/xarajatlarni ko’rsatishi kerak.

Q: PSP komissiyasini ND dan chegirish kerakmi?
A: Yo’q, ND - o’yinchi-markaziy metrika. Komissiyalar - P & L. da.

15) Joriy etish chek-varaqasi

• Idempotentlik va yetkazib berish kafolati bo’lgan voqea shinasi
• Vitrina’transactions _ flat’ning unifikatsiyalangan turlari/maqomlari
• FX-settle-da normallashtirish, asl nusxalarni saqlash
• PSP maqom mapping qoidalari → maqom
• Har kuni PSP va delta alertlari bilan taqqoslash
• ND dashbordlari (umumiy, usullar bo’yicha, segmentlar bo’yicha, kogortlar bo’yicha)
• ND asosidagi mas’uliyatli o’yin siyosati va SoF-triggerlar
• ND v1 formulasi hujjatlari va evolyutsiya rejasi v2

Xulosa

Net Deposits - o’yinchining tizimdagi «haqiqiy» pullarining markaziy metrikasi. To’g’ri ND qat’iy tan olish qoidalarini (settle-sanalar), ehtiyotkorlik bilan multivalyutani, hodisa idempotentligini, PSP va o’rnatilgan antifrod-triggerlar bilan muntazam solishtirishni talab qiladi. Statuslar va operatsiyalar tipologiyasining yagona ma’lumotnomasini shakllantiring - ND ham moliya, ham mas’uliyatli monetizatsiya uchun ishonchli tayanchga aylanadi.