Pillar 4 of 5
Wallet Intelligence
42 signals. One verdict. Under 200 milliseconds.
Real-time wallet risk scoring across age, counterparty contamination, velocity anomalies, DeFi trust, hidden-asset correlation, and regulatory alignment. Every verdict sealed, indexed, and independently verifiable.
The Output
A Cryptographic Court-Ready Record.
Every verdict produced by this pillar ships as a sealed PDF record. Tied to a unique report ID, attestation ID, vendor ID, profile ID, and completion timestamp. Written to the vendor's Secure Document Vault (SDV) with 15+ year retention, indexed in a queryable retrieval table, and anchored to JIL L1 with a 14-of-20 validator quorum signature. Independently verifiable in court, by regulators, and by auditors without JIL Sovereign's cooperation.
What It Decides
Questions answered by this pillar
- Wallet Age & Genesis (7 signals). When was this wallet created, how was it funded, what's the attribution chain?
- Counterparty Contamination (7 signals). 0/1/2/3-hop exposure to darknet markets, ransomware, mixers, hacks, state actors.
- Velocity & Pattern (7 signals). Transaction cadence, amount distribution, timing anomalies, structuring patterns.
- DeFi Trust Scoring (7 signals). Protocol whitelist, LP quality, rug-pull heuristic, yield-farming exposure.
- Hidden Asset Detection (7 signals). Cross-wallet clustering, off-chain correlation, undisclosed-holdings flags.
- Regulatory Alignment (7 signals). Jurisdictional fit, corridor compliance, sanctions-list proximity, PEP overlap.
How It Works
From request to sealed record
- Wallet queried. POST /api/wie/verdict with wallet address and chain.
- On-chain history loaded. Chain-specific attribution engine resolves wallet, cluster, and counterparty graph.
- 42 signals run. Six signal groups, 7 signals each, 200ms SLA.
- Verdict aggregated. Risk score (0-100), reason codes, category breakdown.
- Sealed and logged. Every verdict cryptographically signed and written to the retrieval index. Replayable and auditable.
Where It Fits
Who runs this pillar
- Embedded in Pre-Settlement Attestation (Pillar 1). WIE contributes the wallet-risk half of the 111-check matrix.
- Standalone API for fintechs, exchanges, and compliance teams that want wallet-risk as a service independent of settlement.
- Consumed by Asset Intelligence (Pillar 3) - JIL Agent queries WIE as one of its investigation tools.
- Enterprise analytics workloads - batch scoring for customer books, post-trade surveillance.
Dive Deeper
Detailed documentation
The Other Pillars