Embed payment integrity. Without the license.
Money Passport API is JIL's developer-first surface to the Verdict Engine. Three tiers. Detection, full verification, forensic engagement. No money transmission license required, because Money Passport does not custody money.
Thirty-day sandbox. Three tiers. Production-ready when you are.
Sign up at /products/money-passport, get a sandbox API key, and integrate against the same Verdict Engine that runs the institutional platform. Promote to production with a single configuration change.
You are building a payment-touching product.
Every developer building anything that touches money runs into the same three walls. Money Passport is the API that makes those walls navigable without taking on regulatory exposure your business model cannot carry.
Compliance is a stack you cannot build alone.
OFAC, FinCEN, OIG, sanctions corridors, beneficial ownership, PEP screening, adverse media. Each list update requires engineering attention. Each false positive costs a customer. Each false negative costs the company. Building this in-house is a permanent engineering tax.
Money transmission is a license you cannot afford.
Custodying money triggers state-by-state money transmitter licensing in fifty jurisdictions. The compliance overhead of MTL is multiple orders of magnitude beyond what early-stage product teams can carry. Money Passport's architecture explicitly avoids the trigger.
Evidence is a liability surface you cannot ignore.
When a payment goes wrong, your customer's general counsel asks what you knew and when you knew it. Most APIs return a yes or no. Money Passport returns a Court Ready Evidence Bundle: signed, timestamped, anchored, admissible. Your customer's lawyer can take the receipt to court without re-papering.
The Verdict Engine. As an API.
Money Passport exposes the same Verdict Engine the institutional platform runs. Same 175 attestation checks across 16 categories. Same Court Ready Evidence Bundle output. Same CourtChain™ anchor. Three usage tiers let you start light and graduate as your product matures.
Detection
The lightweight integration point. Your application sends a payment intent. Money Passport returns a Verdict Engine decision: Allow, Review, or Block. You make the operational call. No Court Ready Evidence Bundle on this tier, no anchor, just the verdict and the reasoning trace. Fast and cheap for high-volume detection.
- Sub-eight-hundred-millisecond response time
- OFAC, FinCEN, OIG, sanctions corridor coverage built in
- Per-call consumption pricing, no minimum
- Sandbox tier available for thirty days at no commercial commitment
Full Verification with CREB™
The full Verdict Engine surface. Every applicable check runs. The output is a Court Ready Evidence Bundle: signed, timestamped, hash-anchored to CourtChain™ at generation time, admissible under FRE 902(14). This is the tier where your product produces evidence your customer's general counsel can stand behind. Suitable for any product where a wrong call has legal exposure.
- All 175 attestation checks across 16 categories
- Court Ready Evidence Bundle on every verdict
- Mode A passive attestation or Mode B active enforcement
- USDC and USD prepaid balance models, segregated accounts, no MTL trigger
Forensic Engagement
When a Tier 2 verdict surfaces a pattern that needs human investigation, Tier 3 is the engagement vehicle. JIL forensic engineers and analysts work the case directly, producing a full-spectrum Court Ready Evidence Bundle for federal referral, recovery action, or executive escalation. Available to any Money Passport customer with a real case to investigate.
- Per-case scoping with defined deliverables
- Full Court Ready Evidence Bundle suitable for FRE 902(14) admissibility
- Counterparty graph mapping for the specific case
- Federal channel partner referral path where the case warrants it
The sandbox. Thirty days. No commercial commitment.
Sign up at /products/money-passport, receive an API key for the sandbox tier, and integrate against the sandbox endpoints. Full Tier 1 functionality, full Tier 2 with limited volume, full reasoning trace on every verdict. No commercial commitment during the evaluation window. Promote to production with a single configuration change.
Sandbox in thirty seconds. Production when you are ready.
Inheritable. Auditable. PQC from day one.
Brief us on your obligation. We will model the proof.
Engineering and product leadership receive a confidential network brief: architecture, sandbox tooling, integration patterns, and a fit assessment for your specific product. Typical first conversation is 45 minutes. We respond inside one business day.
Embed payment integrity. Without the license. The proof layer for developer-first products.