01 - Economics

Payment integrity economics that scale with trust

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.

175
Production checks per verdict, across 16 signal categories.
14 / 20
BFT consensus quorum across 10 mainnet validators in 13+ jurisdictions.
83
Patent claims filed across attestation, evidence, and consensus.
In plain English

How you actually pay us.

JIL doesn't run a per-seat SaaS price list and it doesn't take a percentage of your transactions. You pay per verification or per evidence package - the kind of thing your finance team already books as a per-event cost.

If you're a CFO or finance lead

Three line items, all per-event. (1) Per-attestation fee for each settlement we verify (35-90 bps, $1 minimum, negotiated by scope and volume). (2) Per-CREB(TM) bundle for retroactive evidence packages (priced like a single outside investigator workup). (3) Optional annual subscription for unlimited internal queries against your own data. No surprise overages.

If you're a procurement or vendor manager

Standard MSA + DPA, no MTL clauses, no qualified-custodian indemnities. JIL is non-custodial - we never hold your assets - so vendor onboarding fits a normal SaaS-vendor diligence template. Pricing is in the master agreement, not buried in click-through ToS. Annual tiers for institutions; per-event pricing for spike workloads.

If you're a healthcare/MCO compliance lead

You probably already pay an FWA vendor per case or per audit hour. JIL replaces 'per case' with 'per CREB(TM) bundle' - one immutable evidence package your SIU or outside counsel can use end-to-end. We model your current spend against per-bundle pricing in the security review; customers typically see 40-70% lower per-case cost once their case mix shifts to JIL.

If you're a custodian or exchange (Pre-Clearance)

Per-egress flat fee for Tier 1 (compliance-attestation only, you keep custody). Tier 2 (Sealed Escrow / Managed Egress) is priced per-volume across the transit window. Both have a per-CREB™ add-on if your customer wants the on-chain evidence package retained for their counsel. No fee on the underlying transfer itself - we don't take basis points on volume.

If you're an institutional investor evaluating JIL

Revenue is per-event, repeatable, and scales with the customer's payment / settlement volume - not with their headcount. We don't earn from token speculation, from holding customer assets, or from per-seat licensing. The economics page below has basis-point math, corridor floors, and annual-tier breakdowns.

If you're a developer or integrator

Money API calls (proof-of-funds, source-of-funds, accredited-ID, income-verify) are billed per call against an annual prepaid pool, with overflow at the per-call rate. Sandbox is free up to 10K calls/month. No platform-fee, no take-rate. Documented at /api.

Human Flourishing accountability

How the 10% to Human Flourishing actually flows.

Most of JIL's revenue today arrives as FIAT (Stripe / wire / ACH) and never touches L1. That means the "10% of profits to Human Flourishing" commitment doesn't auto-route via L1 gas alone. We close the loop programmatically via a CFO-attested, on-chain revenue-share contract that token holders, regulators, and customers can verify without trusting JIL's internal books.

Live totals from RevenueShareAttestation.sol

On-chain revenue-share status

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Total recognized revenue
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Total 10% obligation
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Total fulfilled
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Defaults
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Year-end summary

Annual ledger by fiscal year

Awaiting first cycle

Annual rollups populate after the first fulfillment cycle lands on-chain. Each row will show the fiscal-year totals for recognized revenue, the 10% Human Flourishing obligation, USDC fulfilled to the JILHumanityVault, and any default events flagged under the permissionless mechanism. First fulfillment cycle target: Q3 2026.

Phase 1 - Q3 2026 (file now)

Monthly CFO files signed revenue attestation on-chain via RevenueShareAttestation.sol. Aprio LLP co-signs for Tier B+ public-disclosure customers. 30-day fulfillment window: JIL operating bank → Circle USDC → Humanity Vault. Default mechanism is permissionless - anyone can flag an overdue obligation.

Phase 2 - Q1 2027 (buyback layer)

Treasury ops automates the USDC → JIL purchase on Uniswap V3 / OTC. The 10% lands in the Humanity Vault as JIL tokens, creating explicit JIL buy pressure tied to revenue. Per-purchase txid referenced in the attestation; community can verify.

Phase 3 - Q3 2027 (token-pay discount)

Money API customers can pay in JIL for a 15% discount. Token-paid revenue routes through L1 natively; 10% Humanity accrual happens automatically via gas mechanics. FIAT-paid revenue continues through the Phase 1 + Phase 2 path.

What you can verify today

Once Phase 1 ships, anyone can call totalsToDate() on the attestation contract and read: total recognized revenue, total 10% obligation, total fulfilled, total defaulted (target: zero). Live data will render on this page once the contract is deployed.

Why this matters for token holders

Without programmatic accountability, "10% to Human Flourishing" is an off-chain promise that depends on trust. With it, the commitment becomes auditable on a permissionless ledger. Default events are public. Token holders can hold the company to the original economic design without trusting our internal books.

Spec + contract

Full spec at JIL_Revenue_Share_Attestation_Spec.md. Contract source at contracts/contracts/RevenueShareAttestation.sol. Pairs with JILHumanityVault (ERC-4626). Mainnet deployment of both contracts pending; see deployment runbook at docs/operations/revenue-share-mainnet-deployment-2026-05-21.md.

Treasury runs on JIL Wallet (eat our own dog food)

JIL Sovereign Tech executes monthly Humanity Vault transfers through JIL Wallet (Pillar 6) - NOT Gnosis Safe or third-party multi-sig. Every monthly transfer is a real institutional egress: routed through Pre-Clearance, screened via Wallet Intelligence, and ships a signed CREB(TM) admissible under FRE 902(14). Aprio LLP verifies each transfer through the same framework JIL's institutional-wallet customers' auditors will use. JIL is customer #1 of its own institutional wallet product.

Year-end summary

Annual revenue-share fulfillment

Per-year aggregations from the revenue-share period ledger. Each row sums the year's recognized revenue, the USDC fulfilled to JILHumanityVault, and counts of periods filed, fulfilled, and defaulted.

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Data source: wallet.revenue_share_periods via GET /api/revenue-share/year-summary. Updated every 5 minutes via server-side cache.

02 - Revenue model - How JIL earns

How JIL earns

Three core revenue motions sit on the same production infrastructure: 273 microservices, 500+ production checks, and 14-of-20 BFT quorum. Each motion attaches a transparent, per-event fee to a specific verification or proof operation.

Live attestation

Live settlement attestation

35-90 basis points per settlement event, negotiated by attestation scope, corridor, and monthly volume. $1 minimum floor per event. Every event returns a cryptographic YES / NO / REVIEW verdict with an immutable on-chain attestation receipt.

Retroactive

Retroactive validation

Historical payment file reconstruction through the same verification engine. Starting at 5 basis points per record, scope and volume priced per engagement. JIL produces the sealed evidence; the client (or their counsel) pursues any downstream recovery. JIL never takes contingency on recovered funds.

Identity

BID API - Beneficiary Identity Dispatch

Full-stack identity verification at $0.12-$0.50 per check blended, tiered by engagement. 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.

03 - Revenue across the portfolio

Five framings. Each priced to its buyer.

JIL Sovereign sells under three framings that sit on the same production infrastructure - 273 microservices (11 vertical-LOB engines on the shared kernel), 10 SCN validators across 13+ jurisdictions, 14-of-20 BFT quorum, 84-claim patent portfolio (37 independent + 88 dependent, filed 2026), 500+ production checks across 16 categories. Each framing prices to its buyer: architecture to regulators, product lines to institutions, Secure Data Vault to individuals and families. Estimate columns are illustrative; final pricing is scoped per engagement.

Architecture to regulators. Product lines to institutions. Secure Data Vault to individuals and families. One platform, three economic gravities.JIL Sovereign portfolio framing

04 - Architecture - 4 thesis pillars - regulator and institution-facing

RAN, CourtChain™, PoCS, Time-Bound Sealed Escrow

RAN, CourtChain™, PoCS, Time-Bound Sealed Escrow plus cross-cutting commercial models. Architecture-tier pricing is regulator and institution-facing.

05 - Product lines - 5 ways to buy - institution-facing

Pre-Settlement, Retroactive, Asset Intel, Wallet Intel, Pre-Clearance

Five productized lines plus bundle synergy. Every block above maps to one of the three commercial models on /pricing.

Product line 1

Pre-Settlement Attestation

Live YES/NO/REVIEW verdict before funds move. $25K-$75K setup + 35-90 bps per event. Custodian comparables: 50-200 bps. Integrated with Fireblocks, Anchorage, BitGo, Coinbase Custody.

Buy

Product line 2

Retroactive Verification

Pre-funded: 5 bps/record (80% off vs real-time). JIL produces the sealed evidence - the client uses it to pursue recovery through their own counsel, SIU, or regulator referral. Typical exposure surfaced: $12-21M on a 200M-record engagement at a $2.0M audit cost.

Buy

Product line 3

Asset Intelligence

Self-serve tiers: Standard $1,495 (72h), Enhanced $2,995 (48h), Litigator $7,995 (24h). Annual subscriptions for firms and state/federal agencies $150K-$750K.

Buy

Product line 4

Wallet Intelligence Engine

Developer: $0.12/check pay-as-you-go up to 100k/mo. Enterprise: $0.12-$0.50/check blended by volume above 100k/mo. Full UBO graph, cross-chain clustering, 13-chain coverage.

Buy

Product line 5

Secure Transport - Pre-Clearance

Custom-scoped integration (4-12 weeks), per-authorization negotiated bps. Card-network comparables: 10-300 bps per sealed authorization. Strategic terms for qualified custodians + central banks.

Buy

Synergy - Bundle math

Pre-Settlement + Retroactive bundled

50% discount on Retroactive when committed alongside Pre-Settlement. Every Asset Intelligence customer becomes a CourtChain™ customer. Every Escrow customer needs RAN Institution Export. Cross-sell is baked into the product design.

See all 9 SKUs

06 - Institutional Annual Tier - MCO + Bank + Healthcare buyers

$1.5M to $5M per year. Sized below VP / CCO signoff cap.

Healthcare payers (MCO, Regional Blue, hospital systems), banks, P&C carriers, government-adjacent benefits processors, and corporate treasuries buy JIL on an annual subscription with white-glove integration. Every tier sits below the next signoff threshold - Tier 4 ($5M) is set to the typical VP / CCO authority cap so contracts close in weeks, not quarters. Every fraud flag produces a CREB(TM) (Court Ready Evidence Bundle) - civil-admissible, sealed, and timestamped. We detect and notify; you handle recovery.

Tier 1 - Entry institutional

$1.5M / yr

Smaller regional Blue, single-state MCO, mid-size hospital system. Up to 50M tx/yr pre-scan, 500 deep-dives/yr baseline. Pure SaaS API integration - no JIL integration cost. Director / Compliance Lead signoff.

Tier 2 - Mid-market

$2.5M / yr

2-5 state MCO, regional bank, multi-hospital IDN. Up to 150M tx/yr, 2,500 deep-dives/yr. Integration SOW capped at $500K (one-time). SVP / Head of Compliance signoff.

Tier 3 - Multi-state

$3.5M / yr

6+ state MCO, regional Blue group, super-regional bank. Up to 300M tx/yr, 7,500 deep-dives/yr. Integration SOW capped at $1M. EVP / C-suite direct report signoff.

Tier 4 - National - VP signoff cap

$5M / yr

National MCO, national Blue, money-center bank, top-5 P&C. Up to 1B tx/yr, 25,000 deep-dives/yr baseline. Integration SOW capped at $2M. Premium intel feeds (Chainalysis, Dow Jones, Refinitiv, OpenCorporates) sold a-la-carte. VP / Chief Compliance Officer signoff - no board approval required.

Entry SKU - Flat fee - converts to subscription

Retroactive Audit (Retroscan)

One-time proof-of-value engagement. Run Pillar 2 retroactive sweep on historical claims/payments. $250K for up to 50M payments, $500K for 150M, $750K for 300M. 30-60 day turnaround. 50% credits to Year-1 subscription on conversion within 90 days. Deliverable: flagged-fraud inventory + recovery recommendations + per-flag CREB(TM).

Deep-dive escalation - Client-authorized - Pick one

Deep-dive upcharge models

Model A per-settlement $300-$450/event (lowest commitment). Model B prepaid blocks $30K (100x) to $900K (5,000x) for up to 49% volume discount. Model C unlimited subscription +$350K - $1.25M / yr per tier (fair-use 2% of pre-scan volume). All three coexist; client switches between renewals.

07 - Sovereign Stack - 3 tiers - Government and financial-authority

Turnkey in-country deployment

The full JIL platform deployed in the customer's own infrastructure. Source escrow, perpetual sovereign licence, in-country SCN validators, post-quantum crypto, training + runbooks + incident response. Year-10 target: 20-40 live deployments, $1B+ ARR, Palantir-class multiple.

Tier 1 - 1 to 3 months

$2-5M setup

Plus $500K-$1.2M / yr operations. Single-jurisdiction pilot footprint with the core integrity layer, sovereign source escrow, and operator runbooks.

Tier 2 - 3 to 6 months

$5-15M setup

Plus $1.5-3M / yr operations. Multi-component sovereign deployment with in-country SCN validators, post-quantum crypto rotation, and regulator interfaces.

Tier 3 - 6 to 12 months

$15-40M setup

Plus $3-8M / yr operations. Full ten-component stack, dedicated incident response, sovereign-controlled key ceremony, and Palantir-class governance.

08 - Secure Data Vault - 4-tier subscription

JIL Secure Data Vault

Quantum-proofed digital safe deposit box with automatic posthumous delivery. Land-and-expand ladder: Personal acquisition tier feeds Family upsell feeds Legacy upsell feeds Legacy Plus. Year-1 SDV revenue target ~$6.27M, Year-3 ~$37.4M.

Personal

$500 / yr

25 GB. 1 owner. Quantum-proofed digital safe deposit box for personal documents, credentials, and posthumous delivery configuration.

Family Secured

$1,200 / yr

250 GB. Up to 6 members. Family-shared vault with role-based access, posthumous triggers, and managed delivery to named beneficiaries.

Legacy

$4,800 / yr

500 GB. Attorney co-administrator built in, escrowed delivery instructions, FRE 902(14) configured exports, and counsel-side workflow.

Legacy Plus

$12,000 / yr

2 TB. Family office tier. Bundles all feature packs (Video Vault Pro, Medical Records HIPAA, Business Continuity, Crypto Key, Real Estate) - $1,560 / yr value included.

Discounts and add-ons

Prepay and feature packs

Prepay 3-year = 15% off. 5-year = 25% off. Storage add-ons from +100 GB at $240 / yr. Feature packs: Video Vault Pro, Medical Records (HIPAA), Business Continuity, Crypto Key, Real Estate.

09 - Portfolio math - Year-1 through Year-10

Year-1 $20-30M, Year-3 $150-250M, Year-10 $1B+ ARR

Year 1
SDV $6.27M plus Asset Intelligence plus early PoCS plus first CourtChain™ subscriptions plus first 1-3 Institutional Annual contracts. Conservative aggregate $20-30M ARR.
Year 3
SDV $37.4M plus RAN hitting $10M+ plus PoCS at issuer-adoption inflection plus first Sovereign deployments signed plus 15-25 Institutional Annual contracts. Aggregate target $150-250M ARR.
Year 10
Sovereign deployments 20-40 live at $1B+ ARR. PoCS at settlement-infrastructure scale. RAN moat compounding. Valuation multiple: sovereign-infrastructure, not compliance-SaaS.
10 - Fee distribution - Where every dollar goes

Where every dollar goes

100%

Settlement Integrity Fees to JIL Operations

100% of settlement integrity fees fund JIL operations - SCN validator infrastructure, attestation services, compliance stack maintenance, and protocol development. No LP splits. No token burns. Every fee maps to a system operation.

10%

Human Flourishing

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.

11 - Industry context - Sector baselines

Know your sector's baseline before you run the numbers

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

Banking and fintech settlement

$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

Insurance claims and premium settlement

$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

Merchant and card-ecosystem vendor settlement

$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

Payroll and workforce disbursement

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

Treasury and cross-border enterprise settlement

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

NGO, ministry, and humanitarian disbursement

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

12 - Settlement capabilities - Why JIL fits

Why JIL fits

Bi-directional

Bi-directional verification

Every payment receives a signed verdict before funds move (outbound integrity) and cryptographic proof after settlement (inbound proof). Results returned via API.

Counterparty

Counterparty and corridor controls

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.

Routing

Process-enforced routing

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.

Auditable

Unified auditable ledger

Every settlement event produces a cryptographic attestation with SCN validator signatures, ledger state hash, and full transaction lineage. Compliance evidence is generated at settlement, not reconstructed later.

Receipts

Deterministic receipts

Finality receipts are immutable, verifiable, and tied to specific attestation events. No hidden spreads, no opaque bundling. Every fee maps to a system operation.

Humanitarian

Humanitarian routing

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.

13 - Engagement

Estimate your sector ROI

Select your payment environment and run an interactive model with your own volume, fraud exposure, and corridor assumptions. See how bi-directional payment integrity changes the economics.

Direct contact

Request a briefing

One mailbox for sovereign principal briefings, regulator desk, and operator inquiries. Response within one business day.

Direct line

Schedule a call

For confidential institutional inquiries. Routed to the partner desk for sovereign diligence and Commons-anchor conversations.

Five framings. One sealed verdict. Architecture pillars to regulators. Product lines to institutions. Sovereign Stack to nation-states. Secure Data Vault to families. Every fee maps to a system operation.