JIL Sovereign makes YES / NO / REVIEW decisions on high-value payments in under 2 seconds, audits 100M historical payments in 10 to 20 minutes, and issues 200ms wallet-risk verdicts - every output a cryptographically sealed, court-admissible record with a 15+ year audit trail, tied to attestation / vendor / profile IDs, and independently verifiable without JIL's cooperation.
JIL is in the attestation, identification, and proof business. We do not pursue funds, file suits, or take contingency on recovered amounts. Clients use our sealed evidence with their own counsel, SIU, FWA team, or regulator referral.
Every pillar below produces the same deliverable - a cryptographically sealed record, tied to attestation/vendor/profile IDs and timestamped at completion, written to the vendor's Secure Document Vault with 15+ year retention, and indexed in a queryable retrieval table. Independently verifiable in court, by regulators, and by auditors without JIL Sovereign's cooperation.
Decide before the money moves. YES / NO / REVIEW verdict in under 2 seconds. Custodians, exchanges, and payment processors gate outbound transfers on the sealed record before releasing funds.
Every historical payment, re-verified. Identity integrity, waste, abuse, and error detected across 100M records in 10 to 20 minutes. Each finding ships as a court-admissible sealed verdict.
Find, trace, and seal verdicts on hidden assets. Forensic investigation layer for trustees, litigation funders, divorce counsel, and federal recovery. JIL Agent, Reconcile, Fabric, Guard.
42-signal risk scoring for every wallet. Age, counterparty contamination, velocity anomalies, DeFi trust, hidden-asset correlation, regulatory alignment. Verdict in under 200ms.
Non-custodial authorization beneath custody. Card-network authorization model for institutional digital asset movement. 70% BFT quorum across 13 jurisdictions. JIL never holds keys.
One record. Verifiable on its face. Below - the header, decision block, 15-category signal ledger, chain of attestations, and the sealed cryptographic tail. Fictitious subject data; real format, structure, and cryptographic seal.
Gate outbound transfers on a court-admissible record. Defend every approval to auditors, examiners, and counsel. Pre-settlement + wallet-intelligence verdicts under 2 seconds.
Audit 100M historical payments in 10 to 20 minutes. Each finding is a sealed, FRE 702/901-admissible sub-record ready for DOJ recovery motions or OIG referrals.
Central banks piloting CBDCs, sovereign wealth funds (Mubadala, ADIA, PIF, QIA, KIA), ministries of finance, financial-authority regulators (ADGM FSRA, DIFC DFSA, VARA, IFSCA), and BIS Innovation Hub participants. Sovereign Stack deployed on your infrastructure under your law. Perpetual licence. Source escrow. Not SaaS.
REST + gRPC. mTLS + HMAC auth. Verdict, attestation, and verification endpoints. 14 chain watchers (BTC, EVM, SOL, TRX + 10 more). 10 supported languages.
SOC 2 / ISO 27001 in audit. FATF Travel Rule (FWEA-29) operational. FRE 702/901 admissible. Independent verification without JIL cooperation.
Mainnet live. Independently verifiable at /verify/{report_id} without JIL cooperation.
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.
Operational today: FRE 702/901, FATF Travel Rule (FWEA-29), BSA / NYDFS / HIPAA retention (15+ yr floor), OFAC SDN, FinCEN SAR/CTR support, SOC 2 / NIST 800-53 control mapping. In audit through 2027: SOC 2 Type II (Q3 2026), ISO 27001 (Q4 2026), ISO 27017 (Q1 2027), NYDFS Part 500, HITRUST CSF.
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 SCN 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 SCN 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 SCN validator consensus (70% BFT). SCN 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 SCN 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 SCN 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 SCN 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.
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.
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.
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.
JIL Sovereign sells under three framings that sit on the same production infrastructure - 250 microservices, 10 SCN validators across 13 jurisdictions, 14-of-20 BFT quorum, 53-claim patent portfolio, 148 attestation checks (111 universal core + 37 LOB-specific extensions) across 16 categories. Each framing prices to its buyer: architecture to regulators, product lines to institutions, Secure Data Vault to individuals and families. Click each section to expand. Estimate columns are illustrative; final pricing is scoped per engagement.
Pillar 1 · Architecture
Per-attestation for operators: $150-$500/entity (12-month credential). Regulator annual license: $500K-$2.5M/yr scoped by supervised population. Year-2 target: $10M+ ARR from agencies alone.
Thesis doc →Pillar 2 · Architecture
$295/record one-off, $2,500/mo firm subscription (up to 25 seats, 50 records/mo), judicial portal free for sitting judges and clerks. TAM estimate: $2-4B (AmLaw 200 + qui tam + probate).
Thesis doc →Pillar 3 · Architecture
$25K-$75K one-time setup (2-6 week deployment) + 35-90 bps per event, $1 floor. Year-1 ARR estimate $5-10M modest; network effect pulls Year-5 to settlement-scale basis points on trillions.
Thesis doc →Pillar 4 · Architecture
$495 + 10 bps per escrow (setup + value-based), $25K/mo+ enterprise with negotiated bps on $500M+/yr volume. TAM estimate: $4-8B (M&A + tokenized commercial paper + CBDC corridors).
Thesis doc →Cross-cutting · Commercial models
Basis-point infrastructure ($25K-$75K setup + 35-90 bps per event) · Outcome-Indexed (fee scales with attested-payment volume routed through JIL, not with downstream recovered funds) · Hybrid (recurring + volume participation). Every product block maps to one of these three.
See /pricing →Product line 1
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
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
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
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
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
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 →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™ (Court Ready Evidence Bundle) - civil-admissible, sealed, and timestamped. We detect and notify; you handle recovery.
Tier 1 · entry institutional
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
2-5 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
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
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
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™.
Deep-dive escalation · client-authorized · pick one
Model A per-settlement $300-$450/event (lowest commitment). Model B prepaid blocks $30K (100x) → $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.
Sovereign Stack · 3 tiers · government + financial-authority
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 · 1-3 mo
$2-5M setup
+ $500K-$1.2M/yr ops
Tier 2 · 3-6 mo
$5-15M setup
+ $1.5-3M/yr ops
Tier 3 · 6-12 mo
$15-40M setup
+ $3-8M/yr ops
SDV · 4-tier subscription
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
Family Secured
$1,200/yr
250 GB · 6 members
Legacy
$4,800/yr
500 GB · Attorney co-admin
Legacy Plus
$12,000/yr
2 TB · Family office
Prepay 3-year = 15% off · 5-year = 25% off · Storage add-ons from +100 GB $240/yr · Feature packs: Video Vault Pro, Medical Records (HIPAA), Business Continuity, Crypto Key, Real Estate. Legacy Plus bundles all packs ($1,560/yr value).
Full SDV pricing →Year-1
SDV $6.27M + Asset Intelligence + early PoCS + first CourtChain subscriptions + first 1-3 Institutional Annual contracts. Conservative aggregate $20-30M ARR.
Year-3
SDV $37.4M + RAN hitting $10M+ + PoCS at issuer-adoption inflection + first Sovereign deployments signed + 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.
100%
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%
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 SCN 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.
35-90 bps per settlement event, negotiated by attestation scope, corridor, and volume, with a $1 minimum floor. Covers all 5 settlement integrity pillars: identity verification, payment-origin validation, fraud detection, compliance enforcement, and immutable proof generation.
Historical payment file reconstruction starting at 5 bps per record, scope and volume priced per engagement. JIL never takes contingency on recovered funds - fees are flat or basis-point against attested volume; recovery is the client's downstream action. See full forecast
Beneficiary Identity Dispatch at $0.12-$0.50 per check blended, tiered by engagement. The entry-point product that gets banks onto JIL infrastructure before full settlement adoption.
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 | 35-90 bps per settlement event (live attestation, $1 floor). Retroactive validation starting at 5 bps per record. BID API $0.12-$0.50 per check. Implementation $25K-$75K one-time. |
| Proof | 250 production services, 53 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. 148 signal checks (111 universal core + 37 LOB-specific extensions) across 16 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 148 signals evaluated (111 core + 37 LOB extensions). 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 111-check universal core, plus 37 LOB-specific extensions (Trade Finance, Tax, Deep Sanctions, Cyber, Data Residency, ESG) for a total of 148 checks across 16 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.
148 checks. 16 categories. FWEA coverage + LOB-specific extensions. Under-2-second verdicts. Cryptographic attestation. See it in action.
From a $1,495 self-serve investigation on a credit card to a $15M+ sovereign deployment for a central bank, every JIL SKU produces the same sealed, 14-of-20 BFT-signed, court-ready verdict record. Pick the pillar that matches what you are trying to prove, then pick the lane that matches how you buy.
Prices on enterprise / sovereign / regulator / judicial SKUs are illustrative estimates. Final pricing is scoped per engagement · contact sales for a firm quote.
JIL is in the attestation, identification, and proof business. We produce sealed, court-ready evidence that a payment, claim, identity, or settlement is what it claims to be. JIL is not a recovery firm. We do not pursue funds, file suits, or take contingent fees on recovered amounts. Clients use our evidence with their own counsel, SIU, FWA team, or regulator referral - we make recovery defensible without owning the recovery action.
One-off forensic investigations. Buy with a credit card, get a sealed verdict record back in 24-72 hours. Court-ready, Federal Rule of Evidence 902(14) configured, independently verifiable at a public verifier URL.
For: trustees, litigators, fraud examiners, federal/state investigators, small firms without an engineering integration.
On-demand wallet screening and identity binding. Sanctions, UBO graph, entity-toxicity scoring, and cross-chain wallet clustering in a single API call. Sub-200ms response at the edge.
For: exchanges, institutional OTC desks, custodians, fintech risk teams, any product needing pre-transfer wallet screening.
Run 4+ years of historical payments through the 148-check Verdict Engine (111 core + 37 LOB extensions). Produces a FWEA Recovery Report with quantified dollar exposure, root cause attribution, and regulator-ready sealed audit artifacts. Per-finding court admissibility at batch-signing cost via inherited-quorum Merkle commitments.
For: banks, insurers, MCOs, federal payers, state treasuries, qui tam counsel. Typical engagement 50M-500M records over 4 years.
Real-time verdict before funds move. 148 compliance checks (111 core + 37 LOB extensions) executed in parallel, 14-of-20 BFT quorum signs, sealed authorization returned to the custodian or bank in under 2 seconds. Every event produces a court-admissible record.
For: banks (ACH/wire/RTP), card networks, insurers, payers - institutions where every payment needs a gate and an auditable record.
Non-custodial authorization layer beneath custody. JIL stands between the custodian and the destination, pre-clears with 14-of-20 BFT quorum, and returns a sealed authorization the custodian executes using its own keys. Architecturally analogous to card-network authorization, applied to institutional digital-asset movement. JIL never holds keys.
For: qualified custodians wanting a compliance plug-in, institutional OTC desks, central banks piloting tokenized settlement, bridge operators.
Cross-jurisdictional attestation fabric: FinCEN, OFAC, OCC, EU AMLA, FCA, MAS, JFSA and others issue sealed per-entity compliance credentials. Operators present a single sealed credential to satisfy any participating regime. Regulators gain real-time visibility; operators stop rebuilding a parallel compliance stack in every country.
For: regulators, financial-authority free zones, licensed custodians, MSBs and neobanks that operate in multiple jurisdictions.
Evidence that a court, regulator, or tribunal can accept without a foundation hearing. Sealed verdict records meet Federal Rule of Evidence 902(14), FRE 901 authentication, and Apostille Convention admissibility. Judges get a public verifier; counsel get a chain-of-custody narrative; litigants get an evidence package that survives cross-examination.
For: AmLaw 200 firms, False Claims Act / qui tam counsel, probate and estates, civil fraud, corporate investigators, state AGs, federal / state judiciary.
Cryptographic escrow that releases only when attested preconditions are met - a delivery proof, a dual signature, a regulator clearance, a time window. Non-custodial: the underlying assets stay at the client's custodian. JIL holds only the sealed release-policy attestation. Works for M&A earn-outs, tokenized commercial paper, bridge-loan disbursements, regulated distributions, and CBDC pilot settlements.
For: M&A deal counsel, transfer agents, tokenization platforms, commercial paper issuers, structured-finance desks, CBDC corridors.
Compliance and settlement infrastructure your government owns - not rents. Three tiers scale from a pre-settlement attestation gateway (1-3 months) through a full RAN + CourtChain + settlement layer (6-12 months). Source code escrow, perpetual sovereign licence, in-country deployment with training and support.
For: central banks, sovereign wealth funds, ministries of finance, financial-authority regulators, financial free zones.
For payors, MCOs, and TPAs. Tier 1 pre-attestation runs on a flat annual fee. Tier 2 and Tier 3 either price per-event with budget thresholds, or roll into a single bps rate. Pick the model at signing - we don't switch you mid-contract.
For: commercial health plans, Medicaid MCOs, Medicare Advantage organizations, Blue Shield / Blue Cross plans, third-party administrators, FWA programs, SIU teams.
Healthcare claim volumes and PHI/HIPAA constraints make subscription tiers a bad fit. Both tracks below cover the same Tier 1+2 attestation pipeline; they differ only in how cost aligns with throughput.
Tier 1 capacity, sized to claim volume.
Why most payors pick this: the budget threshold means Tier 2/3 pricing never blocks legitimate work. JIL absorbs the operational risk - you set the cap once.
Volume-tiered. Lower bps at higher throughput.
Best for: payors with seasonal volume swings, or who would rather have cost track receipts than sit as a fixed line item.
Run JIL's full attestation pipeline against a defined corpus of historical claims or settlements. Common scopes: M&A diligence, regulator inquiry response, post-incident look-back, internal-investigation evidence, audit committee pack. JIL produces sealed evidence; downstream recovery is the client's action.
50% rebatable as a one-time credit toward a Track A flat-fee contract signed within 12 months. The rebate applies once.
Healthcare claim volumes and PHI/HIPAA constraints make subscription tiers a bad fit - payors plan against budgets, not API meters. Flat-fee Tier 1 with thresholded Tier 2/3 maps cleanly to how SIU and FWA budgets are already structured.
During onboarding we look at your historical FWA recovery + investigative spend and propose a monthly threshold. Tier 2 fires automatically beneath; anything above the ceiling, or any Tier 3 case, comes back for explicit go/no-go.
Not mid-contract. Switching tracks happens at renewal so volume data has time to validate the choice. We will model both tracks for you on your real data during scoping so you can see which is cheaper before signing.
Subject of verdict, signal-by-signal evidence with source citations, attestation engine version, validator quorum signatures (Ed25519 + Dilithium-III hybrid), 15-year sealed retention, and admissibility narrative. Live samples in the sandbox →
Every product block above maps to one of three commercial structures. Pick by operational certainty vs. outcome alignment.
One-time setup ($25K-$75K) plus performance-based per-event fees (35-90 bps, $1 floor). Predictable, recurring. Best for mature buyers that want operational certainty.
Fee scales with the attested-payment volume the buyer routes through JIL. Client pays for verification work performed, never as a contingent share of recovered funds. Best for buyers who want cost to track throughput, not cap-ex.
Recurring infrastructure economics plus savings participation. Strong fit for enterprise conversions after pilot validation - operational certainty plus incentive alignment.
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.
Four-step qualified intake. We route to the right principal and pre-load context. Two business day response.
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