Money Passport API / Architecturejilsovereign.com/products/money-passport/architecture
Architecture

Money Passport API Architecture

Four endpoints, one API key, court-ready attestation per call

Four endpoints. One API key. Verified identity, accredited status, proof of funds, source of funds, and income verification - each returning a cryptographically sealed attestation. Developer-first, parametrized, court-ready on every call.

4
Endpoints
REST
API-first
CREB™
Per attestation
<3<
em>s/P95 latency

§ 01Business Architecture

AudienceReg D issuers, fund administrators, real-estate transaction parties, M&A escrow agents, lenders, immigration-visa counsel (H-1B/EB-5), tenant-screening operators.
BuyerCTO, fund-ops lead, GC, lending platform lead, immigration counsel.
Economic ModelPer-call pricing tiered by endpoint + verification depth. Volume discounts. Sandbox free.
PartnersIRS IVES (income), Plaid (banking), ATTOM (real estate), state-licensing boards (broker, attorney).

§ 02Technical Architecture

AccreditedID

SEC accredited-investor verification - income / net-worth / professional credential paths.

ProofOfFunds

Account balance + liquidity threshold attestation without exposing raw amount.

SourceOfFunds

Provenance trace + sanctions screen against the inflow path.

IncomeVerify

Wage / 1099 / tax-record cross-check via IRS IVES + employer.

Sealed REST

Each call returns a CREB™-attested response sealed to CourtChain™. Verifier never sees raw underlying records.

Data SourcesIRS IVES, Plaid, ATTOM, Equifax/Experian (with consent), employer payroll, state licensing boards, OFAC/SDN.

§ 03Process Flow

01
API call
Caller submits subject ID + scope (which endpoint) + consent token.
02
Endpoint validates
JIL pulls authoritative source(s); endpoint-specific logic runs.
03
Verdict assembled
Confirmed / Flagged / Unverifiable + reasoning.
04
CourtChain™ seal
Verdict + evidence-hash sealed. Raw records never returned.
05
CREB™ returned
Caller receives cryptographically sealed attestation in response body.

§ 04Plain English Example

Worked example

Plain English: a Reg D fund verifies 1,200 investors

Fund administrator hits AccreditedID for 1,200 prospective investors over 4 weeks. Each call posts subject ID + consent. JIL pulls income (via IRS IVES) + net-worth (via Plaid) + professional credentials (via FINRA + state boards). 1,198 verified accredited; 2 flagged (income inconsistencies; pending review). Each verification returns a sealed CREB™. Fund's offering memorandum cites the JIL attestation as basis for accredited status. SEC examiner can re-verify any individual attestation from the bytes returned without re-collecting investor documents.

§ 05Capabilities Summary

EndpointsAccreditedID / ProofOfFunds / SourceOfFunds / IncomeVerify
PrivacyRaw underlying records never returned - only attested results
StandardsFRE 902(14) self-authenticating attestations
Use casesReg D, real estate, M&A escrow, H-1B/EB-5, lending, tenant screening
SandboxFree testnet API key at testnet.jilsovereign.com - generate immediately