Payment Integrity Fee Model
Performance-based pricing: $25K-$75K setup plus 35-90 bps per settlement, negotiable by capability and volume. Every fee maps to a specific verification operation. Tier examples below are illustrative - final pricing is negotiated. $1 minimum floor on all settlements.
Illustrative tiers. Each maps to a specific set of verification operations.
The tiers below are examples - final pricing is negotiated per engagement. Every deal includes a $25K-$75K setup fee plus performance-based basis points in the 35-90 bps range. Pilot covers outbound fraud prevention. Pro adds post-settlement provenance. Enterprise adds multi-jurisdiction corridors and white-label options.
Pre-settlement integrity only (outbound verification)
- 111-check fraud verdict
- Beneficiary binding
- Attestation receipt
- Illustrative: Under $10M = 45 bps
- $10M-$50M = 40 bps
- Over $50M = 35 bps
Bi-directional integrity (before + after)
- All Pilot checks included
- Post-settlement provenance proof
- Funding-path verification
- Inbound integrity proof
- Illustrative: Under $50M = 70 bps
- $50M-$250M = 60 bps
- Over $250M = 55 bps
Bi-directional + multi-jurisdiction
- All Pro checks included
- Custom corridors
- White-label deployment
- Dedicated account management
- Illustrative: Under $250M = 90 bps
- $250M-$1B = 80 bps
- Over $1B = 75 bps - custom
Every settlement event, regardless of value, incurs a minimum $1.00 integrity fee. This ensures the verification stack runs at full fidelity even on micro-transactions. No event is excluded from the complete check sequence.
What institutions actually pay at each tier.
| Tier | Settlement Amount | Rate | Integrity Fee | What's Verified |
|---|---|---|---|---|
| Pilot (example) | $10,000,000 | 45 bps | $45,000 | 111-check fraud verdict, beneficiary binding, attestation receipt |
| Pilot (volume example) | $10,000,000 | 35 bps | $35,000 | Same checks, volume discount (>$50M/mo corridor) |
| Pro (example) | $10,000,000 | 70 bps | $70,000 | All Pilot + post-settlement provenance, funding-path verification, inbound proof |
| Enterprise (example) | $10,000,000 | 90 bps | $90,000 | All Pro + custom corridors, white-label, multi-jurisdiction |
| $1 minimum per settlement event. All fees include the complete verification stack for that tier. | ||||
A Pilot-tier engagement at the illustrative volume rate of 35 bps on $10M would pay $35,000 for a complete FWEA verification pass - 111 checks across 15 categories covering Fraud + Waste + Error + Abuse, beneficiary identity binding, and a cryptographic attestation receipt. Final pricing is negotiated per engagement within the 35-90 bps performance range plus a $25K-$75K setup fee. The same $10M on SWIFT costs ~$25,000 but includes zero fraud verification, zero beneficiary binding, and zero cryptographic proof. The 111-check Verdict Engine is also available at per-transaction rates: 5 bps Starter, 7 bps Pro, 12 bps Enterprise, or 1 bps Retroactive Audit (80% discount) for historical payment validation.
A Pro tier institution adds post-settlement provenance proof, funding-path verification, and inbound integrity. An Enterprise corridor adds multi-jurisdiction compliance, custom settlement paths, and dedicated account management.
100% of integrity fees to JIL operations. 10% of profits to Human Flourishing.
Settlement integrity fees fund the infrastructure that produces the verification. Human Flourishing is funded from JIL's profits - not a tax on clients.
All settlement integrity fees fund Sovereign Compliance Network (SCN) validator infrastructure, attestation services, compliance stack maintenance, protocol development, security audits, and engineering operations.
10% of JIL's profits across all fee types are allocated to the Human Flourishing Fund - supporting anti-trafficking, financial inclusion, and economic empowerment. Funded from JIL's revenue, not a tax on clients.
What institutions get at each price point.
SWIFT charges 25 bps to route a message. JIL charges 35-90 bps performance-based settlement integrity (negotiated per engagement, plus $25K-$75K setup) or 5-12 bps per-transaction verdict engine pricing, and adds a complete 111-check FWEA coverage layer (Fraud + Waste + Error + Abuse), cryptographic proof, and bi-directional integrity on top of that.
| Infrastructure | Fee (Per $10M) | What It Includes | Finality |
|---|---|---|---|
| JIL Sovereign (Pilot example) | $35,000-$45,000 | FWEA Verdict Engine (111 checks across 15 categories covering Fraud + Waste + Error + Abuse), beneficiary binding, cryptographic attestation, finality receipt | <2s |
| JIL Sovereign (Pro example) | $55,000-$70,000 | All Pilot + post-settlement provenance proof, funding-path verification, inbound integrity | <2s |
| SWIFT | ~$25,000 | Message routing only. No fraud verification. No beneficiary binding. No cryptographic proof. | Hours |
| DTCC | ~$15,000 | Clearing and settlement. No pre-settlement verification. No beneficiary binding. | T+1 |
| Legacy fraud detection (add-on) | $50-200K/year | Post-event detection only. Fraud already executed. Annual license, not per-event. | Post-event |
The question is not why JIL costs more than SWIFT - it is why institutions are paying SWIFT rates and getting zero fraud prevention. Legacy fraud detection is a separate annual license ($50-200K/year) that only detects fraud after funds have already moved. JIL integrates verification into the settlement event itself.
Higher volume, lower per-event rates within each tier.
Volume discounts apply within each capability tier. All tiers include the full verification stack for that capability level - no add-on fees, no per-seat licensing.
| Tier (example) | Monthly Volume | Per-Event Rate (illustrative) | Setup Fee |
|---|---|---|---|
| Pilot | Under $10M | 45 bps | $25,000 |
| Pilot | $10M-$50M | 40 bps | $25,000 |
| Pilot | Over $50M | 35 bps | $25,000 |
| Pro | Under $50M | 70 bps | $50,000 |
| Pro | $50M-$250M | 60 bps | $50,000 |
| Pro | Over $250M | 55 bps | $50,000 |
| Enterprise | Under $250M | 90 bps | $75,000 |
| Enterprise | $250M-$1B | 80 bps | $75,000 |
| Enterprise | Over $1B | 75 bps - custom | $75,000 |
| Tiers are illustrative. All pricing negotiated within 35-90 bps performance range plus $25K-$75K setup. $1.00 minimum per settlement event. | |||
All tiers include full settlement infrastructure: beneficiary binding verification, BEC prevention gates, multi-jurisdiction compliance automation, sanctions screening, and immutable finality receipts. There are no hidden charges, no add-on fees for compliance features, and no per-seat licensing. The setup fee and performance-based basis points cover everything for that engagement.
Settlement infrastructure built for institutional requirements.
<2s Settlement Finality
Deterministic finality in under 2 seconds. No probabilistic confirmation windows, no rollback risk. When a settlement is confirmed, it is final.
111-Check Verification Stack
Every settlement event passes through 111 checks across 15 signal categories before funds move. Beneficiary identity, sanctions screening, compliance automation, and cryptographic attestation.
Human Flourishing
10% of JIL's profits are allocated to the Human Flourishing Fund. This comes from JIL's own revenue - not a tax on clients. Supporting anti-trafficking, financial inclusion, and economic empowerment.
35-90 bps. Performance-based. Deterministic finality. No hidden fees.
$25K-$75K setup plus 35-90 bps per settlement, negotiated per engagement. Tier examples are illustrative. Every fee maps to a specific verification operation.