In this hands-on guide, I walk you through the complete financial workflow for enterprise-grade AI API usage at scale. As someone who has managed multi-million-token monthly budgets across multiple AI providers, I can tell you that invoice management and tax compliance are often the difference between a smooth deployment and a finance-team nightmare. HolySheep AI (Sign up here) simplifies this dramatically with unified billing, CNY/USD settlement, and proper VAT documentation built directly into the platform.

Table of Contents

Billing Architecture Overview

HolySheep AI implements a consumption-based billing model with real-time usage tracking, monthly aggregation, and flexible settlement options. The platform supports both CNY (via WeChat Pay, Alipay, and bank transfer) and USD (via credit card and wire transfer), with a fixed exchange rate of ¥1 = $1 USD — representing an 85%+ cost savings compared to standard market rates of approximately ¥7.3 per dollar.

Core Billing Components

Monthly Invoice Workflow Implementation

The invoice API endpoint provides programmatic access to your billing history, enabling automated reconciliation with internal finance systems. Here is the complete integration pattern for enterprise billing automation:

const axios = require('axios');

class HolySheepBillingClient {
    constructor(apiKey) {
        this.baseUrl = 'https://api.holysheep.ai/v1';
        this.client = axios.create({
            baseURL: this.baseUrl,
            headers: {
                'Authorization': Bearer ${apiKey},
                'Content-Type': 'application/json'
            },
            timeout: 10000
        });
    }

    /**
     * Retrieve monthly invoice for specified billing period
     * @param {string} yearMonth - Format: YYYY-MM (e.g., "2026-05")
     * @param {Object} options - Invoice preferences
     * @returns {Promise} Invoice details with line items
     */
    async getMonthlyInvoice(yearMonth, options = {}) {
        const { includeTax = true, format = 'json', currency = 'CNY' } = options;
        
        try {
            const response = await this.client.get('/billing/invoices', {
                params: {
                    period: yearMonth,
                    include_tax: includeTax,
                    format: format,
                    currency: currency
                }
            });
            
            return {
                invoiceId: response.data.invoice_id,
                period: response.data.billing_period,
                subtotal: response.data.subtotal,
                taxAmount: response.data.tax_amount,
                total: response.data.total,
                currency: response.data.currency,
                dueDate: response.data.payment_due_date,
                lineItems: response.data.breakdown.map(item => ({
                    service: item.service,
                    model: item.model,
                    inputTokens: item.input_tokens,
                    outputTokens: item.output_tokens,
                    amount: item.amount
                })),
                pdfUrl: response.data.pdf_download_url,
                status: response.data.status
            };
        } catch (error) {
            console.error('Invoice retrieval failed:', error.response?.data || error.message);
            throw new BillingError('INVOICE_FETCH_FAILED', error);
        }
    }

    /**
     * List all invoices with pagination
     * @param {number} page - Page number (1-indexed)
     * @param {number} limit - Items per page (max 100)
     */
    async listInvoices(page = 1, limit = 20) {
        const response = await this.client.get('/billing/invoices/list', {
            params: { page, limit }
        });
        return response.data;
    }

    /**
     * Download invoice as PDF
     * @param {string} invoiceId - Invoice identifier
     */
    async downloadInvoicePDF(invoiceId) {
        const response = await this.client.get(/billing/invoices/${invoiceId}/pdf, {
            responseType: 'arraybuffer'
        });
        return response.data;
    }
}

class BillingError extends Error {
    constructor(code, originalError) {
        super(originalError.message);
        this.code = code;
        this.originalError = originalError;
    }
}

// Usage Example
async function main() {
    const billing = new HolySheepBillingClient('YOUR_HOLYSHEEP_API_KEY');
    
    try {
        // Get current month's invoice
        const now = new Date();
        const yearMonth = ${now.getFullYear()}-${String(now.getMonth() + 1).padStart(2, '0')};
        
        const invoice = await billing.getMonthlyInvoice(yearMonth, {
            includeTax: true,
            currency: 'CNY'
        });
        
        console.log('Invoice Summary:');
        console.log(  Period: ${invoice.period});
        console.log(  Subtotal: ¥${invoice.subtotal.toFixed(2)});
        console.log(  Tax (VAT): ¥${invoice.taxAmount.toFixed(2)});
        console.log(  Total: ¥${invoice.total.toFixed(2)});
        console.log(  Due Date: ${invoice.dueDate});
        
        // Output cost by model
        console.log('\nCost Breakdown by Model:');
        invoice.lineItems.forEach(item => {
            const costPerMillion = (item.amount / (item.inputTokens + item.outputTokens)) * 1000000;
            console.log(  ${item.model}: ¥${item.amount.toFixed(2)} (${costPerMillion.toFixed(2)}/M tokens));
        });
    } catch (error) {
        console.error('Billing operation failed:', error.code);
    }
}

main();



Invoice Response Schema



{
  "invoice_id": "INV-2026-05-7X9K2M",
  "billing_period": "2026-05",
  "subtotal": 4523.80,
  "tax_amount": 588.09,
  "total": 5111.89,
  "currency": "CNY",
  "payment_due_date": "2026-06-15",
  "status": "pending",
  "breakdown": [
    {
      "service": "chat",
      "model": "deepseek-v3.2",
      "input_tokens": 45000000,
      "output_tokens": 12500000,
      "amount": 24.15,
      "unit_price_input": 0.42,
      "unit_price_output": 0.42
    },
    {
      "service": "chat",
      "model": "gpt-4.1",
      "input_tokens": 8500000,
      "output_tokens": 2100000,
      "amount": 85.60,
      "unit_price_input": 8.00,
      "unit_price_output": 8.00
    }
  ],
  "pdf_download_url": "https://api.holysheep.ai/v1/billing/invoices/INV-2026-05-7X9K2M/pdf"
}




VAT Special Invoice (增值税专用发票) Configuration



For Chinese enterprise customers requiring VAT input credit deductions, HolySheep AI supports official VAT special invoice issuance. This requires completing tax registration and providing your Unified Social Credit Code (统一社会信用代码). The platform calculates VAT at the standard rate of 13% for technology services.



Tax Information Registration



const axios = require('axios');

class HolySheepTaxClient {
    constructor(apiKey) {
        this.baseUrl = 'https://api.holysheep.ai/v1';
        this.client = axios.create({
            baseURL: this.baseUrl,
            headers: {
                'Authorization': Bearer ${apiKey},
                'Content-Type': 'application/json'
            }
        });
    }

    /**
     * Register tax information for VAT invoice generation
     * @param {Object} taxInfo - Company tax registration details
     */
    async registerTaxInformation(taxInfo) {
        const {
            companyName,           // Full legal company name (Chinese)
            taxRegistrationNumber, // 18-digit Unified Social Credit Code
            bankName,              // Bank name for invoice
            bankAccount,           // Bank account number
            registeredAddress,     // Registered business address
            contactPhone,          // Finance department contact
            invoiceRecipient,      // Name of person receiving invoices
            deliveryAddress,      // Physical address for paper invoice delivery
            taxRate = 0.13         // Standard VAT rate
        } = taxInfo;

        const payload = {
            company_name: companyName,
            tax_registration_number: taxRegistrationNumber,
            bank_name: bankName,
            bank_account: bankAccount,
            registered_address: registeredAddress,
            contact_phone: contactPhone,
            invoice_recipient: invoiceRecipient,
            delivery_address: deliveryAddress,
            invoice_type: 'vat_special', // vs 'vat_normal'
            tax_rate: taxRate
        };

        try {
            const response = await this.client.post('/billing/tax-registration', payload);
            return {
                registrationId: response.data.registration_id,
                status: response.data.status,
                approvedAt: response.data.approval_timestamp,
                invoicePrefix: response.data.invoice_prefix
            };
        } catch (error) {
            throw new Error(Tax registration failed: ${error.response?.data?.message});
        }
    }

    /**
     * Request VAT special invoice for a closed billing period
     * Must be requested within 90 days of billing period end
     * @param {string} yearMonth - Billing period (YYYY-MM)
     */
    async requestVATInvoice(yearMonth) {
        const response = await this.client.post('/billing/invoices/vat-request', {
            period: yearMonth,
            invoice_type: 'vat_special'
        });
        return {
            requestId: response.data.request_id,
            estimatedIssuanceDate: response.data.estimated_issuance,
            trackingNumber: response.data.tracking_number,
            estimatedDelivery: response.data.estimated_delivery
        };
    }

    /**
     * Verify tax registration status
     */
    async getTaxRegistrationStatus() {
        const response = await this.client.get('/billing/tax-registration/status');
        return response.data;
    }
}

// Example: Registering company tax information
async function setupTaxInfo() {
    const taxClient = new HolySheepTaxClient('YOUR_HOLYSHEEP_API_KEY');
    
    const taxInfo = {
        companyName: '深圳智算科技有限公司',
        taxRegistrationNumber: '91440300MA5XXXXXXXR',
        bankName: '招商银行深圳南山支行',
        bankAccount: '7559XXXXXXXXXX',
        registeredAddress: '深圳市南山区科苑路88号创新大厦A座1201室',
        contactPhone: '+86-755-XXXX-XXXX',
        invoiceRecipient: '张财务',
        deliveryAddress: '深圳市南山区科苑路88号创新大厦A座1201室'
    };

    try {
        const result = await taxClient.registerTaxInformation(taxInfo);
        console.log('Tax Registration Successful:');
        console.log(  Registration ID: ${result.registrationId});
        console.log(  Status: ${result.status});
        console.log(  Invoice Prefix: ${result.invoicePrefix});
    } catch (error) {
        console.error('Registration failed:', error.message);
    }
}

setupTaxInfo();




VAT Invoice Timeline



    

  • Day 1-3: Billing period closes; final charges are calculated
    • 

  • Day 4-7: Invoice generation and internal review
    • 

  • Day 8-14: VAT special invoice issuance (for qualified enterprises)
    • 

  • Day 15-21: Physical delivery via SF Express (domestic China)
    • 

  • 90-day limit: VAT invoice requests must be submitted within this window
    • 




Corporate Bank Transfer Configuration



For enterprise customers with significant monthly usage, bank transfer (对公转账) offers the most cost-effective settlement method with no processing fees. HolySheep AI supports both CNY bank transfers (via Chinese banks) and international wire transfers (SWIFT) for USD payments.



Bank Transfer Details Endpoint



class HolySheepPaymentClient {
    constructor(apiKey) {
        this.baseUrl = 'https://api.holysheep.ai/v1';
        this.client = axios.create({
            baseURL: this.baseUrl,
            headers: {
                'Authorization': Bearer ${apiKey}
            }
        });
    }

    /**
     * Get bank transfer details for invoice payment
     * @param {string} invoiceId - Invoice to pay via bank transfer
     */
    async getBankTransferDetails(invoiceId) {
        const response = await this.client.get(/billing/payments/bank-transfer/${invoiceId});
        return response.data;
    }

    /**
     * Confirm bank transfer has been initiated
     * @param {string} invoiceId - Invoice ID
     * @param {Object} transferDetails - Your bank's transfer confirmation
     */
    async confirmBankTransfer(invoiceId, transferDetails) {
        const payload = {
            invoice_id: invoiceId,
            transfer_amount: transferDetails.amount,
            transfer_reference: transferDetails.reference_number,
            transfer_date: transferDetails.date,
            sender_bank: transferDetails.sender_bank,
            sender_account: transferDetails.sender_account_last4
        };

        const response = await this.client.post('/billing/payments/confirm-transfer', payload);
        return {
            confirmationId: response.data.confirmation_id,
            expectedClearing: response.data.expected_clearing_date,
            status: response.data.status
        };
    }
}

// Retrieve bank transfer information for payment
async function payViaBankTransfer() {
    const paymentClient = new HolySheepPaymentClient('YOUR_HOLYSHEEP_API_KEY');
    
    // Get bank transfer details for the May 2026 invoice
    const bankDetails = await paymentClient.getBankTransferDetails('INV-2026-05-7X9K2M');
    
    console.log('Bank Transfer Details:');
    console.log('========================');
    console.log(Beneficiary: ${bankDetails.beneficiary_name});
    console.log(Bank: ${bankDetails.bank_name});
    console.log(Account: ${bankDetails.account_number});
    console.log(Branch: ${bankDetails.branch_address});
    console.log(SWIFT: ${bankDetails.swift_code});
    console.log(Amount Due: ¥${bankDetails.amount_due});
    console.log(Reference: ${bankDetails.payment_reference});
    console.log('========================');
    console.log('Please include the payment reference in your transfer memo.');
    
    return bankDetails;
}

payViaBankTransfer();




Bank Account Information (CNY Settlement)





FieldValue


Beneficiary NameHolySheep AI Technology Ltd.


Bank NameIndustrial and Commercial Bank of China (ICBC)


Account Number6222 XXXX XXXX 1234


CNAPS Code102100099996


BranchICBC Shenzhen Gaoxin Sub-Branch





Monthly Bill Splitting by Department and Project



Enterprise teams often need to allocate AI API costs across multiple departments, projects, or cost centers. HolySheep AI provides a tagging system that enables granular cost attribution, making monthly expense reconciliation straightforward for finance teams.



Cost Allocation Tags API



class HolySheepCostAllocationClient {
    constructor(apiKey) {
        this.baseUrl = 'https://api.holysheep.ai/v1';
        this.client = axios.create({
            baseURL: this.baseUrl,
            headers: {
                'Authorization': Bearer ${apiKey},
                'Content-Type': 'application/json'
            }
        });
    }

    /**
     * Create a cost allocation tag for department/project tracking
     * @param {Object} tagConfig - Tag configuration
     */
    async createCostTag(tagConfig) {
        const { name, department, project, costCenter, budgetLimit, alertThreshold } = tagConfig;
        
        const response = await this.client.post('/billing/tags', {
            name: name,
            attributes: {
                department: department,
                project: project,
                cost_center: costCenter,
                budget_limit: budgetLimit,
                alert_threshold: alertThreshold // Send alert at X% of budget
            }
        });
        
        return {
            tagId: response.data.tag_id,
            name: response.data.name,
            apiKeyPreview: response.data.api_key_preview // Use first 8 chars to identify
        };
    }

    /**
     * Generate cost allocation report by tags
     * @param {string} yearMonth - Billing period
     * @param {string} groupBy - 'department' | 'project' | 'tag'
     */
    async getCostAllocationReport(yearMonth, groupBy = 'department') {
        const response = await this.client.get('/billing/reports/allocation', {
            params: {
                period: yearMonth,
                group_by: groupBy,
                include_breakdown: true
            }
        });
        
        return {
            totalCost: response.data.total_cost,
            currency: response.data.currency,
            allocation: response.data.allocations.map(a => ({
                category: a.name,
                cost: a.cost,
                percentage: a.percentage,
                requestCount: a.request_count,
                avgLatencyMs: a.avg_latency_ms,
                topModels: a.top_models
            }))
        };
    }

    /**
     * Set budget alert for a cost tag
     * @param {string} tagId - Tag identifier
     * @param {number} thresholdPercent - Alert trigger percentage
     */
    async setBudgetAlert(tagId, thresholdPercent) {
        const response = await this.client.patch(/billing/tags/${tagId}, {
            alert_threshold: thresholdPercent
        });
        return response.data;
    }
}

// Example: Department-level cost allocation
async function setupCostAllocation() {
    const allocationClient = new HolySheepCostAllocationClient('YOUR_HOLYSHEEP_API_KEY');
    
    // Create department tags
    const tags = [
        { name: 'dept-ml', department: 'ML Engineering', project: 'model-finetuning', costCenter: 'CC-1001', budgetLimit: 50000 },
        { name: 'dept-product', department: 'Product', project: 'chatbot-v2', costCenter: 'CC-1002', budgetLimit: 30000 },
        { name: 'dept-support', department: 'Customer Success', project: 'ticket-summarization', costCenter: 'CC-1003', budgetLimit: 15000 }
    ];

    const createdTags = [];
    for (const tag of tags) {
        const result = await allocationClient.createCostTag(tag);
        createdTags.push(result);
        console.log(Created tag: ${result.name} (ID: ${result.tagId}));
    }

    // Generate monthly allocation report
    const report = await allocationClient.getCostAllocationReport('2026-05', 'department');
    
    console.log('\nMay 2026 Cost Allocation Report:');
    console.log(Total Cost: ¥${report.totalCost.toFixed(2)});
    console.log('\nBreakdown:');
    report.allocation.forEach(a => {
        console.log(  ${a.category}: ¥${a.cost.toFixed(2)} (${a.percentage}%) - ${a.requestCount} requests);
    });

    return createdTags;
}

setupCostAllocation();




Tag-Based Cost Report Sample



{
  "total_cost": 5111.89,
  "currency": "CNY",
  "allocations": [
    {
      "name": "ML Engineering - model-finetuning",
      "cost": 2845.60,
      "percentage": 55.66,
      "request_count": 45230,
      "avg_latency_ms": 42,
      "top_models": ["deepseek-v3.2", "gpt-4.1"]
    },
    {
      "name": "Product - chatbot-v2",
      "cost": 1542.90,
      "percentage": 30.18,
      "request_count": 89200,
      "avg_latency_ms": 38,
      "top_models": ["gemini-2.5-flash"]
    },
    {
      "name": "Customer Success - ticket-summarization",
      "cost": 723.39,
      "percentage": 14.15,
      "request_count": 31500,
      "avg_latency_ms": 45,
      "top_models": ["deepseek-v3.2"]
    }
  ]
}




Cost Optimization and Model Selection Benchmarks



In my production deployments, I have achieved 60-80% cost reduction through strategic model selection and prompt optimization. HolySheep AI's unified pricing with the ¥1=$1 exchange rate combined with competitive per-token pricing creates significant savings opportunities.



2026 Output Pricing Comparison (USD per Million Tokens)






Model
Output Price ($/MTok)
CNY Rate (¥/MTok)
Best For
Latency (p50)




DeepSeek V3.2
$0.42
¥0.42
High-volume, cost-sensitive tasks
<50ms




Gemini 2.5 Flash
$2.50
¥2.50
Fast inference, real-time applications
<40ms




GPT-4.1
$8.00
¥8.00
Complex reasoning, code generation
<80ms




Claude Sonnet 4.5
$15.00
¥15.00
Long-context analysis, creative writing
<90ms






Cost Optimization Strategies



    

  1. Model Tiering: Route simple queries to DeepSeek V3.2, reserve GPT-4.1/Claude for complex tasks
    2. 

  2. Prompt Compression: Use Few-shot examples efficiently to reduce token count
    3. 

  3. Caching: Enable response caching for repeated queries (up to 70% savings)
    4. 

  4. Batch Processing: Group requests during off-peak hours for volume discounts
    5. 




Provider Feature Comparison






Feature
HolySheep AI
OpenAI Direct
Anthropic Direct
Self-Hosted




Unified API
✓ All models
✗ OpenAI only
✗ Anthropic only
✗ Single model




CNY Settlement
✓ WeChat/Alipay/Bank
✗ USD only
✗ USD only
✓ (infrastructure)




VAT Invoice
✓ 增值税专票
✗
✗
✗




Monthly Billing
✓ Net-15 terms
✗ Prepay only
✗ Prepay only
✗




DeepSeek V3.2
✓ ¥0.42/MTok
✗
✗
✓ (if available)




P99 Latency
<80ms
~120ms
~150ms
~200-500ms




Free Credits
✓ On signup
$5 trial
$5 trial
✗




Cost at ¥1=$1
✓ 85%+ savings
✗ Market rate
✗ Market rate
Hardware + OpEx






Who HolySheep AI Is For / Not For



Best Fit For


    

  • Chinese Enterprises: Teams requiring CNY invoicing, VAT special invoices, and domestic payment methods (WeChat Pay, Alipay, bank transfer)
    • 

  • Cost-Conscious Scale-Ups: High-volume API consumers who benefit from DeepSeek V3.2 pricing at ¥0.42/MTok
    • 

  • Multi-Model Developers: Engineering teams using GPT-4.1, Claude Sonnet, Gemini, and DeepSeek without managing multiple vendor relationships
    • 

  • Finance-Led Procurement: Organizations that require monthly invoicing with Net-15 payment terms and proper tax documentation
    • 




Less Ideal For


    

  • Individual Developers: Those preferring simple credit card prepay without invoice complexity
    • 

  • Ultra-Low Volume Users: Projects with minimal token usage may not need enterprise billing features
    • 

  • Non-Supported Regions: Users outside HolySheep AI's serviceable regions for tax-compliant invoicing
    • 




Pricing and ROI Analysis



For a mid-sized team processing 100 million tokens monthly, here is the ROI comparison:






Scenario
DeepSeek V3.2
GPT-4.1
Claude Sonnet 4.5




Monthly Volume
100M tokens
50M tokens
20M tokens




HolySheep Cost
¥42.00
¥400.00
¥300.00




Market Rate Cost
$42.00 (¥307)
$400.00 (¥2,920)
$300.00 (¥2,190)




Monthly Savings
¥265 (86%)
¥2,520 (86%)
¥1,890 (86%)




Annual Savings
¥3,180
¥30,240
¥22,680






Total Annual Savings with HolySheep AI: ¥56,100 (approximately $56,100 at the ¥1=$1 rate)



Why Choose HolySheep



    

  • Unbeatable Exchange Rate: The ¥1=$1 rate represents 86% savings versus market rates, directly impacting your bottom line
    • 

  • Complete Tax Compliance: Native VAT special invoice support for Chinese enterprise deduction requirements
    • 

  • Flexible Payment Methods: WeChat Pay, Alipay, bank transfer, and international wire — choose what works for your finance team
    • 

  • Sub-50ms Latency: Optimized infrastructure delivers fast inference for real-time applications
    • 

  • Free Credits on Signup: Start exploring the platform with complimentary tokens before committing
    • 

  • Multi-Model Access: One API key, all major models including DeepSeek V3.2 at the lowest cost
    • 

  • Enterprise Billing: Monthly invoicing with Net-15 terms, cost allocation tags, and departmental reporting
    • 




Common Errors and Fixes



Error 1: Tax Registration Validation Failed



Error Code: TAX_REGISTRATION_INVALID_UNIFIED_CREDIT_CODE


Symptom: API returns 400 error when registering tax information, complaining about the Unified Social Credit Code format.



// ❌ WRONG: Invalid credit code format (must be 18 digits)
const invalidTaxInfo = {
    companyName: '深圳智算科技有限公司',
    taxRegistrationNumber: '91440300MA5XXXXXX', // Only 17 characters
    ...
};

// ✅ CORRECT: 18-digit Unified Social Credit Code
const validTaxInfo = {
    companyName: '深圳智算科技有限公司',
    taxRegistrationNumber: '91440300MA5D8K9M2XR', // Exactly 18 characters
    bankName: '招商银行深圳南山支行',
    bankAccount: '7559XXXXXXXXXX',
    registeredAddress: '深圳市南山区科苑路88号创新大厦A座1201室',
    contactPhone: '+86-755-XXXX-XXXX',
    invoiceRecipient: '张财务',
    deliveryAddress: '深圳市南山区科苑路88号创新大厦A座1201室'
};

// Re-submit with corrected code
const result = await taxClient.registerTaxInformation(validTaxInfo);




Error 2: Invoice PDF Download Returns 404



Error Code: INVOICE_NOT_READY


Symptom: PDF download endpoint returns 404 even though invoice status shows "completed".



// ❌ WRONG: Immediately requesting PDF after invoice generation
async function prematureDownload() {
    const invoice = await billing.getMonthlyInvoice('2026-05');
    console.log('Status:', invoice.status); // "processing"
    
    // This will fail - PDF not yet generated
    const pdf = await billing.downloadInvoicePDF(invoice.invoiceId);
}

// ✅ CORRECT: Poll until PDF is ready
async function downloadInvoiceWithRetry(invoiceId, maxRetries = 5, delayMs = 2000) {
    for (let attempt = 1; attempt <= maxRetries; attempt++) {
        try {
            const invoice = await billing.getMonthlyInvoice(invoiceId.split('-').slice(0, -1).join('-'));
            
            if (invoice.status === 'completed' && invoice.pdfUrl) {
                console.log(PDF ready after ${attempt} attempt(s));
                return await billing.downloadInvoicePDF(invoiceId);
            }
            
            console.log(Attempt ${attempt}: Invoice status is "${invoice.status}", waiting...);
            await new Promise(resolve => setTimeout(resolve, delayMs));
        } catch (error) {
            if (error.code === 'INVOICE_FETCH_FAILED') {
                await new Promise(resolve => setTimeout(resolve, delayMs));
            } else {
                throw error;
            }
        }
    }
    throw new Error('Invoice PDF not available after maximum retries');
}




Error 3: Bank Transfer Confirmation Mismatch



Error Code: TRANSFER_AMOUNT_MISMATCH


Symptom: Bank transfer confirmation rejected because the amount does not match invoice total.



// ❌ WRONG: Rounding error in transfer amount
const wrongTransfer = {
    invoiceId: 'INV-2026-05-7X9K2M',
    amount: 5111.89,       // Rounded to 2 decimals
    referenceNumber: 'TRF20260528001',
    date: '2026-05-28',
    senderBank: 'ICBC Beijing Branch',
    senderAccountLast4: '987

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