Every institution loses 3 to 8 percent of annual payment volume to Fraud, Waste, Error, and Abuse. Most never measure it. JIL's 111-check Verdict Engine runs across 15 signal categories in under 2 seconds - attesting every payment before it settles and proving every outcome after.
One network. Four pillars of coverage. Fraud, Waste, Error, and Abuse - detected before funds move, quantified after settlement, and recoverable through retroactive audit of every payment from the last four years.
100 million records. 10 to 20 minutes. Immutable evidence on every one.
JIL's Investigation Engine runs every historical payment through a 28-dimension identity integrity engine and returns a cryptographically sealed, date-anchored verdict on every record. Who was dead. Who was excluded. Who never existed. Who was paid at an address they didn't live at. Who billed from a vacant lot. Every record. Immutable.
This creates systemic exposure across healthcare, financial systems, and government programs. No unified system ensures correctness across both sides of a transaction. JIL closes that gap - before and after payment.
Payments are approved with incomplete validation before recipients are fully verified.
Verification happens after funds are sent. By then, control is lost.
Audit is reactive, fragmented, and expensive. No system ensures correctness across both sides.
A Bi-Directional Payment Integrity Network that verifies before execution and proves every outcome after settlement.
JIL captures value at the only moment it can be controlled - before execution - and preserves it after settlement through proof.
| Without Payment Integrity | With JIL |
|---|---|
| Payments executed with partial validation | Payments verified before execution |
| Post-payment audits | Continuous validation + proof |
| Fragmented compliance checks | Unified integrity network |
| Limited traceability | Cryptographic proof across lifecycle |
Run JIL alongside your existing system. No disruption. No migration. See what your current controls miss.
Surface validation gaps before execution. See what is missed, quantify exposure, and understand the impact.
Apply integrity validation across payment flows. Verify every payment before execution. Produce proof for every outcome.
JIL evaluates transactions before settlement, records deterministic finality at settlement, and attests provenance after funds arrive. Every result is written permanently to an immutable blockchain record. Your institution retrieves the record via API and proceeds.
JIL evaluates identity, source of funds, payment path, corridor eligibility, and policy requirements before a transaction proceeds.
The transaction moves through a controlled settlement process with deterministic controls, auditable records, and verifiable finality.
JIL evaluates what arrived, where it came from, how it moved, and whether the result aligns with policy and source expectations - transforming receipts into trustable financial evidence.
Most projects overemphasize surface activity. JIL focuses on the structural layer beneath activity.
Built for finality and reconciliation at scale, not merely for transient transaction volume.
Attestation, settlement evidence, and post-settlement provenance are unified into one auditable architecture. Identity, compliance, and policy are verified at every stage - before, during, and after value moves.
A single auditable structure for assets, transactions, vaults, routing, receipts, and final settlement state.
Deterministic execution and batch-oriented logic are designed to reduce manipulation and front-running.
JIL abstracts the complexity of financial infrastructure into a single evaluation layer. Users and systems define intent rather than selecting execution paths. JIL supports ACH, FedNow, SWIFT, cross-border banking rails, digital asset networks, and stablecoin infrastructure. The economics below reflect this unified structure.
Per-event integrity fees tiered by capability and volume. Every fee maps to a specific verification operation. No hidden spreads, no opaque structures.
Per-event attestation fee for every verified settlement. Tiered by capability: Pilot (outbound only), Pro (bi-directional), Enterprise (multi-jurisdiction). Includes identity binding, policy evaluation, compliance attestation, and finality receipt generation.
Beneficiary Identity Dispatch - the entry point for banks. Full-stack identity verification covering phone, email, address, person, and company checks. Gets banks onto JIL infrastructure before they adopt full settlement integrity.
10% of JIL's profits across all fee types are allocated to Human Flourishing initiatives. Impact scales with adoption - funded from our revenue, not a tax on clients.
JIL Sovereign is not presented as futureware. It is already engineered at implementation depth.
The platform is implemented across production-grade systems with real architecture, real compliance controls, and real documentation - not slides and promises.
The digital asset industry is entering a compliance-first phase. JIL Sovereign is the only policy and settlement attestation infrastructure designed from day one with regulatory alignment as a core architectural principle.
Deterministic settlement receipts, operational resilience, and policy evaluation aligned with EU digital asset legislation.
Beneficiary identity data cryptographically bound to every settlement intent as a protocol-level requirement.
Real-time OFAC and OpenSanctions screening at the verification layer. Transactions flagged, held, or rejected according to institution-defined policy before execution.
Integrate identity validation, compliance enforcement, and settlement verification directly into your applications without managing infrastructure or regulatory complexity.
JIL exposes institutional-grade APIs, SDKs, and integration layers for seamless adoption across fiat and digital asset systems.
No. JIL enforces the attestation process - meaning every transaction must pass through JIL's identity, sanctions, origin, and risk checks before settlement. JIL records the result of those checks as a signed, immutable attestation on-chain. That result is returned to your system via API. Your institution applies its own policy and decides what happens next. JIL attests. You decide.
Every attestation result is written permanently to a blockchain-based immutable record. The record cannot be altered or deleted. Your institution can retrieve any attestation result at any time via the JIL API - for compliance review, audit, regulatory reporting, or legal evidence.
Financial systems have historically verified transactions after execution or across fragmented infrastructure. JIL introduces a unified pre-settlement attestation layer that operates before value moves.
No. Funds remain within existing financial systems. JIL does not custody assets.
No. JIL provides attestation before settlement, records finality at settlement, and attests provenance after arrival. External systems make routing and execution decisions.
JIL Sovereign is engineered to support high-integrity settlement across jurisdictions, asset classes, and institutions.
A structured, modular architecture designed for operational credibility - from ledger to execution to compliance to multi-jurisdiction resilience.
This is not a loose collection of crypto components. It is an integrated settlement architecture composed of ledger, execution, trust, and operational layers.
A single structured ledger for balances, vaults, positions, routing rules, receipts, impact records, and final settlement state.
Batch-based execution designed to improve fairness, reduce manipulation, support routing discipline, and preserve determinism.
Evaluates identity, payment origin, source-risk signals, and corridor parameters. Produces a signed attestation result for every transaction. Records are written immutably and returned via API.
Designed to operate across regulated environments with governance discipline, auditability, and resilience.
The system is partitioned into four distinct layers, each with a clear responsibility and well-defined boundaries.
JIL's infrastructure is legible because each layer has a clear job: the ledger records and reconciles, the execution layer processes and prices, the trust layer evaluates identity, evaluates payment provenance, monitors risk, and produces verifiable policy outcomes, and the operational layer keeps the entire system observable and resilient.
| Layer | Purpose |
|---|---|
| Ledger | Balances, vaults, positions, routing, proofs, receipts |
| Execution | Swaps, settlement, order handling, pricing logic |
| Trust | Identity evaluation, origin verification, risk assessment, signed result generation |
| Operations | Nodes, monitoring, observability, jurisdictional resilience |
Institutions do not just want speed. They want legibility, control, proof, and operating discipline.
A coherent infrastructure layer reduces ambiguity and improves trust. When every component is visible and auditable, institutions can evaluate how the system operates - not just what it claims.
One architecture. One ledger. One compliance surface. One settlement rail.
SOC 2 Trust Service Criteria, NIST CSF 2.0, OWASP API Security, FIPS 140-3, smart contract formal verification, mainnet stress testing, and cross-jurisdiction compliance - independently audited by Emerging Technologies LLC (Scottsdale, AZ) and BlockchainX (Chennai, India). 512,000,000+ test cases executed.
250M+ tests across all five Trust Service Categories - Security, Availability, Processing Integrity, Confidentiality, and Privacy. 99.70% pass rate.
30M+ NIST CSF 2.0 controls across Govern, Identify, Protect, Detect, Respond, Recover. 20M+ OWASP API Security tests including injection, authentication, and rate limiting.
100M+ consensus and settlement tests under sustained load. 9,500 TPS per node, 10 validator nodes, deterministic finality with 14-of-20 BFT quorum.
Every claim on this site maps to implemented, testable, auditable system behavior. This page shows how.
From identity verification to settlement finality - each component is built, deployed, and operating across 10 active validator nodes in 13+ jurisdictions, scaling to 20 active with 20+ standby.
JIL does two things together: verifies that a transaction is allowed before value moves, and records deterministic finality with cryptographic proof when settlement completes.
Wallet, partner system, or API client submits a signed transaction instruction with beneficiary identity, amount, corridor, and policy parameters.
BID verification, BEC screening, sanctions check, source-account validation, source-rail authentication, funding-path evaluation, KYC/KYB status, corridor policy enforcement, and jurisdictional controls are evaluated before admission.
Deterministic batch execution via AMM V5 - swaps, settlements, and routing processed with fair ordering. No front-running, no MEV extraction.
Cryptographic settlement receipt issued with validator signatures, ledger hash, timestamp, and full audit trail. Immutable, exportable, court-admissible.
Beneficiary Identity Dispatch (BID) resolves who is on the other side of every transaction. Business Email Compromise (BEC) screening catches impersonation before funds move. Provenance attestation evaluates payment origin, funding path, and source-rail authenticity after funds arrive.
BID performs document field parsing, PDF metadata anomaly detection, corporate registry verification (OpenCorporates, GLEIF LEI), and cryptographic attestation binding. BEC runs RDAP domain age checks, MX/SPF/DMARC validation, lookalike domain detection, and disposable email blocking. The provenance layer validates source institution regulatory status, traces funding-path hops for layering indicators, authenticates the settlement rail, and flags timing or routing anomalies.
| Check | What it does |
|---|---|
| BID Register | Binds beneficiary identity to a cryptographic attestation with document verification |
| BID Verify | Validates identity against sanctions lists (OFAC, OpenSanctions/Yente) and registry data |
| BEC Screen | Domain age, DNS record validation, lookalike detection, disposable email blocking |
| Person check | Phone, email, address verification with PEP and adverse media screening |
| Company check | Corporate registry, LEI validation, UBO graph with circular ownership detection |
| KYC/KYB | 20-component verification stack with risk scoring (0-100), auto-approve/hold/reject |
User keys are never held by JIL. MPC 2-of-3 threshold signing means the user always holds a shard - protection coverage without custodial risk.
Bridge operations require 14-of-20 validator consensus (70% BFT). Validator startup follows a 7-gate security sequence. All keys are AES-256-GCM encrypted at rest with post-quantum Dilithium/Kyber readiness.
User holds 1 shard, JIL holds 1 shard, recovery shard encrypted. No single party can sign alone.
Cross-chain bridge operations require supermajority validator agreement across 13+ jurisdictions.
Ed25519, HMAC, API key, SSH, and HSM keys - each with distinct scope, rotation schedule, and audit trail.
Dilithium (signatures) and Kyber (key encapsulation) implemented for quantum-resistant settlement.
Every settlement instruction passes through jurisdiction-aware corridor policies before execution. Compliance is not a separate layer bolted on - it is embedded in the transaction path.
Corridor policies define fee rates, throttle limits, and risk tiers. Protected corridors carry 35 bps fees with 3,000/min throttle. Containment corridors - for flagged activity - carry 50 bps with 60/min throttle and mandatory review.
| Corridor | Fee | Throttle |
|---|---|---|
| Default | 25 bps | 6,000/min |
| Protected | 35 bps | 3,000/min |
| Unprotected | 25 bps | 6,000/min |
| Containment | 50 bps | 60/min + review |
The mainnet is not a roadmap item. It is running across US, DE, EU, SG, CH, JP, GB, AE, BR, and a genesis node - each with independent key material, heartbeat monitoring, and SentinelAI fleet inspection.
Automated threat scoring, heartbeat monitoring, and fleet-wide cycle enforcement across all validators. Max 3 cycles per 2-hour window.
Every compliance decision, identity check, and settlement event is hash-chained and stored in S3 with cryptographic integrity. No retroactive modification possible.
Cryptographic finality receipts with validator signatures, ledger state hash, and full transaction lineage. Exportable, verifiable, designed for institutional evidence requirements.
JIL earns revenue when payment integrity is established - before and after every settlement. Not from per-check billing, not from token speculation, and not from subscription-only access. Every transaction that flows through the Bi-Directional Payment Integrity Network generates a transparent, auditable fee tied to a specific verification or proof operation. Compliance is embedded. Credentials are reusable. Fees are per-event and policy-driven.
25-75 basis points per settlement event, tiered by capability and volume, with a $1 minimum floor. Pilot (outbound verification only) at 25-35 bps. Pro (bi-directional integrity) at 45-55 bps. Enterprise (multi-jurisdiction, white-label) at 65-75 bps. Volume discounts available above $50M/month. All terms negotiable.
Full-stack identity verification at $0.03-$5.00 per check by type. Phone, email, and address checks at $0.03-$0.10. Person verification at $0.20-$0.75. Company and UBO checks at $1.50-$5.00. The entry point that gets banks onto JIL before they adopt full settlement infrastructure.
SaaS infrastructure access scoped per engagement. API access, compliance dashboards, custom SLAs, and corridor-specific routing. $5K-$100K/month depending on tier and corridor requirements. All terms negotiable.
100%
100% of settlement integrity fees fund JIL operations - validator infrastructure, attestation services, compliance stack maintenance, and protocol development. No LP splits. No token burns. Every fee maps to a system operation.
10%
10% of JIL's profits across all fee types are allocated to Human Flourishing initiatives. Anti-trafficking, financial inclusion, and economic empowerment - funded from our revenue, not a tax on clients.
Every sector below has documented settlement-layer fraud exposure. JIL's attestation layer addresses the gap between detection and prevention - where 65-80% of annual losses originate.
Industry fraud context
$30B+ annual fraud exposure. No cryptographic beneficiary binding. Format-only validation on wire, ACH, and check rails.
Why JIL fits: Beneficiary binding, BEC block, funding-path verification, source-rail authentication, duplicate detection before settlement.
Run the ROI model →Industry fraud context
$221B+ annual fraud. No contractor credentialing at disbursement. Post-disaster surge bypasses review entirely.
Why JIL fits: Contractor credentialing, SDV binding, payment-origin verification, anomaly detection, duplicate prevention.
Run the ROI model →Industry fraud context
$145B+ annual exposure. Reversible settlement with no cryptographic proof record at payment time. 70% of chargebacks estimated fraudulent.
Why JIL fits: Proof-backed finality, funding-path tracing, fraudulent reversal blocked, BEC vendor protection.
Run the ROI model →Industry fraud context
Ghost employees, redirected direct deposits, and contractor impersonation. No identity binding at the disbursement layer.
Why JIL fits: Counterparty verification, source-institution validation, credential-bound payees, duplicate detection.
Run the ROI model →Industry fraud context
Multi-jurisdiction wire fraud, correspondent banking opacity, and BEC targeting CFO/treasury functions. Recovery rate below 18%.
Why JIL fits: Corridor controls, sanctions enforcement, source-rail authentication, payment-origin verification, policy-aware routing before funds move.
Run the ROI model →Industry fraud context
Aid diversion, phantom beneficiaries, and opaque last-mile delivery. No attestation layer between allocation and disbursement.
Why JIL fits: Humanitarian routing, funding-path tracing, beneficiary binding, SDV documentation, immutable audit trail.
Run the ROI model →Every payment receives a signed verdict before funds move (outbound integrity) and cryptographic proof after settlement (inbound proof). Results returned via API.
Beneficiary binding, BEC protection, and jurisdiction-level corridor rules enforced before settlement. Ghost vendors and impersonated payees are flagged in the attestation record before settlement - your system acts on the result.
The Automated Transaction Compliance Engine (ATCE) enforces attestation checks per jurisdiction, corridor, and institution. Results are signed, recorded, and returned to your routing system via API.
Every settlement event produces a cryptographic attestation with validator signatures, ledger state hash, and full transaction lineage. Compliance evidence is generated at settlement, not reconstructed later.
Finality receipts are immutable, verifiable, and tied to specific attestation events. No hidden spreads, no opaque bundling. Every fee maps to a system operation.
10% of JIL's profits are allocated to Human Flourishing initiatives - funded from JIL's own revenue, not a tax on clients. Impact scales with adoption.
Full transparency into architecture, execution, compliance, operations, and economics.
These are not simplified brochures. They are a proof surface - technical, structured, and dense enough to support institutional due diligence.
JIL Sovereign is a settlement-focused operating layer designed for verifiable execution, global interoperability, auditability, and policy-aware control.
The docs layer should clarify that JIL is not simply a new asset story. It is an attempt to unify the most important infrastructure concerns in digital finance: ledger integrity, settlement logic, fair execution, compliance handling, and observable operations.
The architecture is organized around a unified ledger, execution engine, trust layer, and operational controls.
This should remain technical. Explain the relationship between state, settlement, policy, routing, and system observability in enough detail that technical reviewers can follow the model.
Preserve your strongest differentiator here: proof that the system is real, detailed, and already thought through at implementation depth.
This section is where execution logic, pricing behavior, routing, transaction admission, settlement flows, receipts, and batching strategies should be made inspectable.
Explain KYC/KYB posture, jurisdictional logic, off-chain identity references, and how compliance evaluation interacts with settlement and execution without collapsing user trust or system traceability.
Clarify how the trust layer certifies, monitors, flags, pauses, or governs certain system behaviors, and how those controls are made visible to technical reviewers.
Present wallet, settlement, routing, and system interfaces clearly enough that partners and developers can quickly see how integration might work.
Document consensus posture, node roles, failover concepts, observability, and operating assumptions in a form that feels institutional and auditable.
Use this section to explain settlement fees, conversion fees, routing logic, revenue destinations, and operational assumptions without sounding promotional.
JIL Sovereign is the neutral integrity layer between payment instruction and settlement execution. Not a bank. Not a payment processor. Not a blockchain competing for transaction volume. A verification network that every settlement rail needs but none of them provide.
This is an infrastructure economics opportunity, not a token speculation thesis. Revenue logic is defined, the system is built, and the verification layer is positioned for institutional-scale deployment.
Trading narratives change. Infrastructure narratives endure. JIL is designed to capture the part of the market that every routed flow still depends on.
That means the story is not about short-cycle attention. It is about the long-lived operating layer that global digital movement still requires even as front-end behavior changes.
Global digital asset and payment settlement is the layer that everything depends on.
Today's systems are fragmented, expensive, opaque, and difficult for institutions to trust.
JIL unifies settlement, compliance, auditability, and infrastructure logic in one operating layer.
This is not futureware. It is already engineered and positioned for go-live readiness.
25-75 bps per settlement event. Covers all 5 settlement integrity pillars: identity verification, payment-origin validation, fraud detection, compliance enforcement, and immutable proof generation. Tiered by capability and volume.
Beneficiary Identity Dispatch at $0.03-$5.00 per check. Covers Pillars 1 and 4 (identity and compliance). The entry-point product that gets banks onto JIL infrastructure before full settlement adoption.
$5K-$100K/month SaaS subscriptions spanning all 5 pillars. API access, compliance dashboards, custom SLAs, corridor-specific routing, and dedicated infrastructure. See full forecast
Already built. Revenue logic defined. Compliance aware. Institutionally legible.
Those signals reduce friction and increase the likelihood that the inquiry is serious rather than merely curious.
| Analogy | The DTCC for tokenized assets |
| Position | Bi-Directional Payment Integrity Network |
| Revenue model | 25-75 bps per settlement event, tiered by capability and volume. $1 floor. Enterprise subscriptions $5K-$100K/month. |
| Proof | 192 production services, 48 patent claims, 512M+ certified test cases |
| Narrative | Infrastructure, not speculation |
| Trust | Compliance-aware, independently audited, institutionally framed |
Start a qualified conversation about policy and settlement attestation infrastructure integration, corridor expansion, or strategic deployment.
We work with institutions and operators that move volume, integrate systems, and expand corridors - organizations where policy and settlement attestation infrastructure creates measurable value.
Identify your organization type and move directly into the right conversation.
Settlement, compliance posture, corridor expansion, and proof-based infrastructure for digital asset movement.
APIs, settlement rails, routing logic, and auditable transaction flows for modern financial products.
Liquidity participation, market structure support, and institution-grade economics visibility.
Custody, compliance, identity, payments, analytics, and strategic ecosystem integration.
A structured path from initial interest to qualified discussion - designed to match institutional rigor.
That means presenting a cleaner funnel: qualification, use-case discovery, technical/compliance review, and then planning toward launch or integration.
Submit your details below and our team will respond within 48 hours.
We welcome inquiries from banks, fintechs, funds, and infrastructure partners. Please include relevant context about your use case or partnership interest.
Yes. No. Review. 111 signal checks across 15 categories covering Fraud + Waste + Error + Abuse run in parallel, producing a SHA-256 attested verdict in under 2 seconds. Post-quantum signed. Immutable. Auditable.
The verdict engine is the single authoritative decision point between transaction initiation and settlement finality. No funds move until the verdict is sealed.
Every transaction receives exactly one verdict. The verdict is cryptographically sealed with a SHA-256 hash, timestamped, and stored immutably. No retroactive changes.
Aggregate risk score below 30. No sanctions hits. No hard blocks. All 111 signals evaluated. Funds may proceed to settlement with full cryptographic attestation.
Aggregate score between 30-70. One or more signals triggered but no hard blocks. Transaction held pending manual analyst review before settlement proceeds.
Score above 70 or hard block triggered. Sanctions match, OFAC jurisdiction hit, or critical fraud indicator detected. Settlement is blocked. Attestation records the denial.
Each category runs independently and in parallel. Category scores are weighted and combined into a single aggregate risk score. Any sanctions hit overrides to automatic NO.
7 checks - Weight: 20%
UBO verification, synthetic identity detection, account-to-name validation, real-time sanctions screening (OFAC/EU/UN/HMT), deepfake / presentation attack detection, corporate synthetic fraud, AI voice deepfake at authorization.
17 checks - Weight: 20%
BEC, invoice fraud, account takeover, processor impersonation, ACH unauthorized return, APP scam, check fraud (MICR), wire anomaly, SEPA Instant APP, UK FPS CoP, PIX social engineering, UPI fake collect, SWIFT gpi chain substitution, CIPS sanctioned routing, NPP PayID spoofing, digital wallet token provisioning (DPAN), Magecart/e-skimmer.
11 checks - Weight: 15%
Real-time sanctions screening, AML typology detection, OFAC jurisdiction screening, GENIUS Act compliance, BSA/SAR and CTR triggers, EU MiCA stablecoin issuer validation, EU DORA operational resilience, UK FCA authorization, FATF Travel Rule, CBDC attestation framework (eCNY/DEUR/mBridge).
8 checks - Weight: 15%
Velocity anomaly (1h/24h/7d windows), mule account scoring, high-volume low-value detection, smurfing/structuring ($10K threshold), geographic anomaly, first-party fraud, bust-out credit fraud, dormant account awakening pattern.
7 checks - Weight: 15%
Routing/account change detection with 72-hour hold, beneficiary account age scoring, instruction provenance attestation (hash at initiation vs settlement), credential-registry entity validation, IBAN integrity & beneficiary binding, correspondent chain hop anomaly, real estate closing wire protection.
5 checks - Weight: 5%
Duplicate claims detection, provider NPI enrollment verification, upcoding detection, remittance mismatch analysis, overpayment recovery tracking.
5 checks - Weight: 10%
Fraud ring graph analysis (IP/device/account clustering), typology sharing pattern library, cross-rail correlation, four-rail coverage verification per OCC/FDIC/Fed mandate, darknet marketplace counterparty exposure.
6 checks - Weight: 5%
FATF international typology pattern matching, Egmont FIU intelligence signals, BIS CPMI payment system risk, cross-border multi-jurisdiction velocity, sanctioned jurisdiction hub routing, trade-based money laundering (TBML).
3 checks - Weight: 5%
Pig butchering / romance-investment scam detection (Chainalysis intelligence), Fraud-as-a-Service (FaaS) infrastructure intelligence, generative AI document & invoice forgery - continuously refreshed threat feeds for emerging typologies.
6 additional categories analyze on-chain wallet behavior, counterparty contamination, DeFi trust signals, and hidden asset detection. Combined with the 9 FWEA categories above for a total of 111 checks across 15 categories.
6 signals - Weight: 8%
Wallet creation age, funding-to-transaction gap, genesis chain hop, funding source age, single-purpose pattern detection, dormancy spike analysis.
9 signals - Weight: 12%
OFAC direct and 1/2-hop screening, mixer direct and indirect exposure, darknet cluster detection, exploit contract interaction, high-risk exchange exposure, sanctions country origin tracing.
8 signals - Weight: 8%
On-chain structuring, fan-out/fan-in ratio analysis, round number bias, off-hours spike, 24h and 7d velocity monitoring, rapid chain-hopping detection.
6 signals - Weight: 6% (risk reducer)
Long-term DeFi positions (>365d), protocol diversity (5+ unique protocols), staking age, governance participation, LP duration, lending history. These signals reduce risk score - rewarding legitimate on-chain activity.
7 signals - Weight: 10%
Undisclosed on-chain holdings vs declared assets, DeFi position mismatch, rapid post-receipt asset movement, hidden LP and vault positions, multisig controller detection, vesting contract claims. Critical for benefits fraud detection.
6 signals - Weight: 6%
Nacha mule and ATO patterns on-chain, GENIUS Act stablecoin AML, OFAC on-chain screening (hard block), BSA CTR threshold monitoring, FATF high-risk jurisdiction exposure analysis.
OCC, Federal Reserve, and FDIC joint mandate requires fraud monitoring across all four payment rails. JIL covers all four plus card networks and crypto rails.
MICR validation, duplicate presentment, routing checksum, altered check detection. Full Positive Pay integration ready.
Unauthorized return risk (R10/R29), first-time ACH scoring, Nacha 2026 APP false-pretenses compliance, account validation.
High-risk corridor screening, beneficiary change detection, statistical amount anomaly, first-time international wire flagging.
APP scam detection, rapid escalation pattern scoring, mule account behavioral analysis, real-time velocity monitoring.
Card testing pattern detection, micro-charge burst analysis, processor impersonation, Mastercard Account Confidence integration ready.
GENIUS Act compliance, Travel Rule enforcement (>$3K), stablecoin issuer validation, exchange registration verification.
Payment instruction submitted with sender, receiver, amount, rail, and metadata. Instruction hash generated and stored.
All 15 signal categories execute in parallel. Each returns a 0-100 risk score. Weighted aggregate computed. Hard blocks evaluated.
Yes, No, or Review. Deterministic. No ambiguity. Includes full signal breakdown, category scores, and triggered reasons.
SHA-256 hash generated over verdict, scores, timestamp, and nonce. Post-quantum Dilithium signature applied. Verdict is now immutable.
The 2026 Nacha rule changes mandate APP false-pretenses prevention, account validation before ACH origination, and unauthorized debit controls. JIL's verdict engine addresses all three.
Not just a flag or a score. Every verdict produces a SHA-256 sealed receipt with timestamp, nonce, and full signal breakdown. Immutable and auditable.
Verdicts are signed with Dilithium (NIST PQC standard). Even quantum computers cannot forge a JIL verdict attestation.
Most fraud systems monitor one rail at a time. JIL correlates across all six payment rails - detecting split transactions that no single-rail system can see.
Stops fraud before funds move, not after. No clawbacks, no disputes, no recovery actions. The verdict happens between initiation and settlement.
Payment instructions are hashed at initiation and verified at settlement. Any modification - even a single digit change - is detected and blocked.
10 built-in fraud typology rules with adjustable weights and thresholds. Add custom rules via API. Tune sensitivity per rail, per corridor, per entity type.
111 checks. 15 categories. FWEA coverage - Fraud, Waste, Error, Abuse. Under-2-second verdicts. Cryptographic attestation. See it in action.
Subscription access layer plus per-event basis point fees tied to specific verification operations. No hidden spreads. Every fee maps to an auditable system event.
Full-stack identity verification applied to every settlement event. Fees are additive to the per-event bps rate and scale with your subscription tier.
| Action | Pilot | Pro | Enterprise |
|---|---|---|---|
| Register | $0.35 | $0.20 | $0.12 |
| Verify | $0.35 | $0.20 | $0.12 |
| Submit (E2E) | $0.70 | $0.40 | $0.25 |
| Status Lookup | Free | Free | Free |
| Phone Check | $0.08 | $0.05 | $0.03 |
| Email Check | $0.08 | $0.05 | $0.03 |
| Address Check | $0.08 | $0.05 | $0.03 |
| Person Check | $0.50 | $0.35 | $0.20 |
| Company Check | $3.50 | $2.50 | $1.50 |
10% of JIL's profits across all fee types are allocated to Human Flourishing initiatives. Funded from our revenue, not a tax on clients. Impact scales with adoption.