Hub requires a settlement_anchor (Revenue Anchor / Triple-Lock) on every settle-now — see services/shtegUtid.js. Choose R01 (healthcare) or R02 (real estate); anchors are built with Web Crypto (SHA-256) to match server hashing. Amounts < $10,000 cents skip TOTP when TOTP_SECRET is unset.
R01 settlement_anchor (auto-filled; edit if needed)
UTID is generated as SHG-R01-YYYYMMDD-{SHA256(seed)[0:6]} with seed = transactionId (same algorithm as hub).
R02 settlement_anchor (real estate)
UTID: SHG-R02-YYYYMMDD-{SHA256(seed)[0:6]}. charge_code_summary hashes sorted fingerprint codes (parcel, closing, extras). Velocity still needs counterpartyId or 10-digit npi.