Recoverflow-Cross-border AR on autopilot.

Problem. A Taipei SME stuck in Net 60 with a US buyer has no good options: Atradius takes 8 months and 30%, a US attorney costs more than the outstanding, and QuickBooks emails sound like Google Translate. Existing tools assume your CFO speaks American English in the buyer's timezone — false on the Taiwan→US corridor. Solution. Recoverflow is a 9-agent dunning system on Band (8 production + AAA Specialist via Day-65 dynamic peer discovery): Pre-flight 3-path routing (in_spot / lite / attorney_recommended), Investigator pattern-tagging replies, Diplomat cadence-aware emails, Tone Coach (Claude) blocking hostile + FDCPA-non-compliant language, Escalator on Day 65, Voice Agent via ElevenLabs ConvAI + Twilio, Concierge as Slack HITL choke point, Payment Agent settling Circle USDC on real ARC-TESTNET. Outstanding, not gross (D-038). A $47,300 gross invoice the lawyer rejects as "out of sweet spot" is $23,650 outstanding after a 50% deposit — exactly where we operate. Wired through 5 modules across 4 demo Beats including the demand letter. Tech. Python 3.12, Band SDK, Claude Sonnet 4.5 / Haiku 4.5, ElevenLabs ConvAI, Twilio, Circle Programmable Wallets on real ARC-TESTNET (5 verified on-chain tx), Slack HITL, Featherless, Chroma RAG (31 chunks via BGE), pytest 482-test suite. Demo highlights. - Beat 4 — Pre-flight 3-path routing on outstanding balance. - Beat 8 — Welfare 988 SOP: set_anomaly_halt(case_id, "welfare") fires BEFORE Concierge page (life before debt, 3 unit tests). - Beat 9-11 — 5 real Circle USDC tx settled in data/audit_trail.jsonl (475dcb1c…, c6b4fe6b…, 36e503b2…, 2bcfdc5b…, 496dc964…). Track 3 fit. FDCPA language gating, paylink-only demand letters (no AI-hardcoded SWIFT/IBAN), HITL on every outbound, deterministic checkout URLs, 988 priority over debt, ConvAI 16-reason escalation enum, full audit_trail.jsonl chain of custody.