Sample Verdict Record - Pillar 4 Wallet Intelligence

0Identifiers, Retrieval, and Retention

Report ID (this document): JIL-VR-WI-2026-04-19-D5C4B3A2
Attestation ID: ATT-892444-0000007741
Vendor ID (requester): VND-EXCHG-0013 (Redacted institutional exchange, onboarded 2025-09-03)
Profile ID: PRF-WIE-STANDARD-v4.0
Date Completed: 2026-04-19 15:03:51.187 UTC (epoch 1776657831.187)
Storage Location (vendor-controlled): Vendor SDV endpoint sdv://VND-EXCHG-0013.us-west.jil-sdv/, object key verdicts/wallet-intel/2026/04/19/JIL-VR-WI-2026-04-19-D5C4B3A2.pdf.sealed. AES-256-GCM encrypted, vendor-held key.
Content Hash (SHA-256): c3d4e5f67890a1b2abcdef0123456789fedcba9876543210abcdef0123456789
Retention Period: 15 years minimum. Exceeds BSA / FATF / NYDFS / HIPAA requirements. Permanent retention may be elected by vendor.
Retrieval Index (JIL-side): Indexed in trust.verdict_records + replicated to verdict_index.clickhouse. Queryable by report_id, attestation_id, vendor_id, profile_id, date_completed, subject_hash, L1 anchor tx.
Retrieval API: Authenticated vendors: GET /api/v1/verdicts/{report_id}. Courts/regulators: GET /verify/{report_id} returns verification metadata without PII; blob retrieval requires vendor consent or court order served on vendor.

1Subject of Verdict

Request Type: Wallet Intelligence Risk Record (Pillar 4) - Standalone WIE Evaluation
Requesting Party: Redacted Institutional Exchange Compliance, Request-ID rq:7d3a:2c1b:0e9f
Wallet Under Evaluation: 0x4d5C8b3A9F2e7C1d6B5a4e3D2c1B0A9F8e7D6C5b
Chain: Ethereum mainnet (chain-id 1)
Purpose: Outbound withdrawal approval ($184,500 wUSDC-JIL)
Policy Trigger: Amount >$100K threshold - standalone WIE evaluation required
Signal Count Applied: 42 (all WIE signals)
SLA Target: 200 ms
Actual Latency: 187 ms

2Test Profile Applied

Profile Name: WIE-STANDARD-v4.0
Profile Description: Standalone wallet risk scoring. 42 WIE signals only.
Total Catalog Size: 111 checks (69 FWEA + 42 WIE)
Approved for this Profile: 42 of 111 checks enabled
Out of Scope (not approved): 69 of 111 checks disabled for this profile

Coverage transparency: both approved and out-of-scope checks are listed in Section 4 for full court defensibility. No hidden checks, no silent omissions.

3Approved Checks - Full Test Matrix (Section 4A)

42 APPROVED Each approved check ran during verdict assembly. Method, source, result, and per-check evidence hash listed below. Individually Ed25519-signed and rolled up into Section 6 Merkle root.

Check ID	Test Name	Method	Source	Result	Evidence Hash
WIE-01	Destination wallet age	Genesis-tx trace + funding attribution	JIL L1 on-chain history	847 days (LOW RISK)	sha256:01de...w1w
WIE-02	Funding source attribution	Recursive source-of-funds trace	JIL attribution-evm + Chainalysis	CLEAR	sha256:02fu...w2w
WIE-03	First-block recency flag	Age vs transaction volume ratio	JIL L1 + chain-specific	CLEAR	sha256:03fi...w3w
WIE-04	Dormancy awakening signal	Long-dormant -> sudden activity	JIL dormancy tracker	CLEAR	sha256:04do...w4w
WIE-05	Dust attack detection	Micro-tx flood pattern	JIL dust detector	CLEAR	sha256:05du...w5w
WIE-06	Fresh-wallet-with-instant-activity	Activity within 1h of creation	JIL creation telemetry	CLEAR	sha256:06fr...w6w
WIE-07	Bulk wallet creation signal	Sequential wallet creation cluster	JIL creation graph	CLEAR	sha256:07bu...w7w
WIE-08	Contamination 2-hop weighted	Graph traversal, decay-weighted exposure scoring	JIL L1 + Chainalysis	0.02% (CLEAR)	sha256:08co...w8c
WIE-09	Direct darknet exposure	0-hop match to known darknet wallets	JIL known-bad registry	CLEAR	sha256:09di...w9c
WIE-10	Direct ransomware operator exposure	0-hop match to ransomware wallets	JIL ransomware intel (Conti/LockBit/BlackCat/Cl0p)	CLEAR	sha256:10di...w0c
WIE-11	Mixer/tumbler exposure	Exposure to Tornado Cash, Blender.io, ChipMixer, Sinbad	JIL mixer registry	CLEAR	sha256:11mi...w1c
WIE-12	Exchange-hack cluster exposure	Mt. Gox, Bitfinex, FTX, KuCoin hack wallets	JIL hack attribution	CLEAR	sha256:12ex...w2c
WIE-13	Known-bad cluster exposure (full)	0/1/2/3-hop lookup against all known-bad	JIL known-bad registry	CLEAR	sha256:13kn...w3c
WIE-14	State-actor cluster exposure	Lazarus Group, APT38, Russian ransomware	JIL state-actor attribution	CLEAR	sha256:14st...w4c
WIE-15	Transaction cadence anomaly	Inter-arrival time distribution	JIL L1 cadence analyzer	CLEAR	sha256:15tr...w5v
WIE-16	Amount distribution outlier	Distribution vs 90d self-baseline	JIL amount analyzer	CLEAR	sha256:16am...w6v
WIE-17	Bot activity signature	Automated tx signing pattern	JIL bot detector	CLEAR	sha256:17bo...w7v
WIE-18	Burst-and-drain pattern	High inbound then full drain	JIL burst detector	CLEAR	sha256:18bu...w8v
WIE-19	Round-amount trading	Round-number frequency outlier	JIL amount analyzer	CLEAR	sha256:19ro...w9v
WIE-20	Fragmentation pattern	Tx split into sub-threshold batches	JIL fragmentation detector	CLEAR	sha256:20fr...w0v
WIE-21	Cross-chain arbitrage signature	Arbitrage-like paired tx across chains	JIL cross-chain detector	CLEAR	sha256:21cr...w1v
WIE-22	Protocol whitelist match	Interacted protocols in whitelist	JIL DeFi whitelist	94/100 (HIGH TRUST)	sha256:22pr...w2d
WIE-23	LP quality score	Uniswap / Balancer pool quality	JIL DeFi attestation ledger	HIGH	sha256:23lp...w3d
WIE-24	Rug-pull heuristic	Known rug-pull cluster exposure	JIL rug-pull registry	CLEAR	sha256:24ru...w4d
WIE-25	Yield-farming exposure	Yield-protocol interaction + risk tier	JIL yield-farm classifier	LOW	sha256:25yi...w5d
WIE-26	Flash-loan anomaly	Flash-loan pattern in history	JIL flash-loan detector	CLEAR	sha256:26fl...w6d
WIE-27	Bridge-exploit exposure	Known bridge-exploit interaction	JIL bridge-exploit registry	CLEAR	sha256:27br...w7d
WIE-28	Governance manipulation signal	Flash-loan governance attack pattern	JIL governance-attack detector	CLEAR	sha256:28go...w8d
WIE-29	Cross-wallet clustering	JIL attribution engine (BTC/EVM/SOL/TRX)	JIL attribution engines	No discrepancy	sha256:29cr...w9h
WIE-30	Change-address heuristic (BTC)	Multi-input + change detection	JIL attribution-btc	CLEAR	sha256:30ch...w0h
WIE-31	Common-ownership heuristic	Co-spending patterns across wallets	JIL attribution-btc/evm	CLEAR	sha256:31co...w1h
WIE-32	Bridge-correlation clustering	Cross-chain bridge traffic as identity	JIL attribution-bridges	CLEAR	sha256:32br...w2h
WIE-33	CEX-withdrawal correlation	CEX-withdrawal timing + amount match	JIL CEX attribution	CLEAR	sha256:33ce...w3h
WIE-34	Off-chain-linked wallet	Corporate entity + wallet linkage via OpenCorporates	OpenCorporates + JIL entity graph	CLEAR	sha256:34of...w4h
WIE-35	Real-estate linked wallet	Property-purchase blockchain linkage	ATTOM Property + JIL entity graph	CLEAR	sha256:35re...w5h
WIE-36	Jurisdictional fit (corridor)	Counterparty jurisdiction vs origin corridor	GLEIF + OpenCorporates	PASS (US-SG corridor compliant)	sha256:36ju...w6r
WIE-37	Sanctions-list proximity	Distance to any sanctioned wallet in graph	OFAC + EU + UK SDN + JIL L1	> 4 hops (CLEAR)	sha256:37sa...w7r
WIE-38	PEP overlap (counterparty UBO)	UBO graph overlap with PEP list	OpenSanctions PEP	CLEAR	sha256:38pe...w8r
WIE-39	Adverse media flag	Counterparty name in adverse-media feed	OpenSanctions media + Dow Jones	CLEAR	sha256:39ad...w9r
WIE-40	Taint-free proof	Cumulative contamination score under 1%	JIL taint calculator	0.02% (PASS)	sha256:40ta...w0r
WIE-41	MiCA stablecoin eligibility	Token MiCA-registered flag	EBA MiCA registry	PASS	sha256:41mi...w1r
WIE-42	Travel-rule data completeness	Originator+beneficiary data fields populated	IVMS 101 validator	PASS	sha256:42tr...w2r

3Out-of-Scope Checks - Not Enabled (Section 4B)

69 OUT OF SCOPE Listed for transparency. These checks exist in the 111-check catalog but were not enabled in this profile. Their omission is explicit, auditable, and court-defensible.

Check ID	Test Name	Status
FWEA-01	OFAC person match (origin)	Out of scope - not enabled in this profile
FWEA-02	OFAC person match (counterparty)	Out of scope - not enabled in this profile
FWEA-03	PEP screening - beneficial owners	Out of scope - not enabled in this profile
FWEA-04	Synthetic identity detection	Out of scope - not enabled in this profile
FWEA-05	Document deepfake detection	Out of scope - not enabled in this profile
FWEA-06	AI voice deepfake at authorization	Out of scope - not enabled in this profile
FWEA-07	Destination wallet SDN match	Out of scope - not enabled in this profile
FWEA-08	Business Email Compromise (BEC) pattern	Out of scope - not enabled in this profile
FWEA-09	Invoice fraud detection	Out of scope - not enabled in this profile
FWEA-10	Account takeover (ATO) signals	Out of scope - not enabled in this profile
FWEA-11	Authorized Push Payment (APP) scam	Out of scope - not enabled in this profile
FWEA-12	Wire anomaly detection	Out of scope - not enabled in this profile
FWEA-13	SEPA APP fraud pattern (EU)	Out of scope - not enabled in this profile
FWEA-14	UK FPS Payment System Regulator (PSR) profile	Out of scope - not enabled in this profile
FWEA-15	PIX fraud typology (Brazil)	Out of scope - not enabled in this profile
FWEA-16	UPI fraud typology (India)	Out of scope - not enabled in this profile
FWEA-17	SWIFT gpi chain substitution	Out of scope - not enabled in this profile
FWEA-18	CIPS sanctioned-entity routing	Out of scope - not enabled in this profile
FWEA-19	NPP PayID integrity (Australia)	Out of scope - not enabled in this profile
FWEA-20	DPAN wallet provisioning fraud	Out of scope - not enabled in this profile
FWEA-21	Magecart / e-skimmer merchant compromise	Out of scope - not enabled in this profile
FWEA-22	Cryptocurrency off-ramp anomaly	Out of scope - not enabled in this profile
FWEA-23	Check kite / float fraud	Out of scope - not enabled in this profile
FWEA-24	Settlement instruction integrity	Out of scope - not enabled in this profile
FWEA-25	OFAC country-level sanctions	Out of scope - not enabled in this profile
FWEA-26	EU MiCA stablecoin classification	Out of scope - not enabled in this profile
FWEA-27	EU DORA operational resilience	Out of scope - not enabled in this profile
FWEA-28	UK FCA authorization status	Out of scope - not enabled in this profile
FWEA-29	FATF International Travel Rule (>$3K)	Out of scope - not enabled in this profile
FWEA-30	CBDC attestation (eCNY / DEUR / mBridge)	Out of scope - not enabled in this profile
FWEA-31	NYDFS Part 500 applicability	Out of scope - not enabled in this profile
FWEA-32	SEC Reg S / Reg D (if applicable)	Out of scope - not enabled in this profile
FWEA-33	MAS Singapore DPT Act applicability	Out of scope - not enabled in this profile
FWEA-34	VARA UAE crypto licensing	Out of scope - not enabled in this profile
FWEA-35	State MTL jurisdiction check	Out of scope - not enabled in this profile
FWEA-36	Velocity anomaly (origin 48h)	Out of scope - not enabled in this profile
FWEA-37	Mule account scoring	Out of scope - not enabled in this profile
FWEA-38	Smurfing / structuring pattern	Out of scope - not enabled in this profile
FWEA-39	Geographic anomaly	Out of scope - not enabled in this profile
FWEA-40	Bust-out credit fraud pattern	Out of scope - not enabled in this profile
FWEA-41	Round-amount / psychological pricing flag	Out of scope - not enabled in this profile
FWEA-42	Night / off-hours activity	Out of scope - not enabled in this profile
FWEA-43	Routing change detection (<72h)	Out of scope - not enabled in this profile
FWEA-44	Account-number change alert	Out of scope - not enabled in this profile
FWEA-45	Instruction provenance attestation	Out of scope - not enabled in this profile
FWEA-46	IBAN integrity (MOD-97)	Out of scope - not enabled in this profile
FWEA-47	Correspondent chain hop anomaly	Out of scope - not enabled in this profile
FWEA-48	Real estate closing wire protection	Out of scope - not enabled in this profile
FWEA-49	Endpoint binding attestation	Out of scope - not enabled in this profile
FWEA-50	Duplicate claim detection	Out of scope - not enabled in this profile
FWEA-51	NPI provider enrollment status	Out of scope - not enabled in this profile
FWEA-52	Upcoding detection	Out of scope - not enabled in this profile
FWEA-53	Remittance mismatch	Out of scope - not enabled in this profile
FWEA-54	Overpayment recovery flag	Out of scope - not enabled in this profile
FWEA-55	Fraud ring graph analysis	Out of scope - not enabled in this profile
FWEA-56	Typology library pattern match	Out of scope - not enabled in this profile
FWEA-57	Cross-rail correlation	Out of scope - not enabled in this profile
FWEA-58	FaaS (Fraud-as-a-Service) infrastructure	Out of scope - not enabled in this profile
FWEA-59	FATF typology pattern match	Out of scope - not enabled in this profile
FWEA-60	Egmont FIU intelligence overlay	Out of scope - not enabled in this profile
FWEA-61	BIS CPMI payment system risk	Out of scope - not enabled in this profile
FWEA-62	Cross-border velocity multi-jurisdiction	Out of scope - not enabled in this profile
FWEA-63	Sanctioned-jurisdiction hub routing	Out of scope - not enabled in this profile
FWEA-64	TBML with World Bank commodity prices	Out of scope - not enabled in this profile
FWEA-65	Pig butchering / romance-investment scam	Out of scope - not enabled in this profile
FWEA-66	FaaS C2 infrastructure attribution	Out of scope - not enabled in this profile
FWEA-67	ZKP post-settlement attestation	Out of scope - not enabled in this profile
FWEA-68	Adversarial ML drift detection	Out of scope - not enabled in this profile
FWEA-69	HNDL quantum-safe TLS verification	Out of scope - not enabled in this profile

5Final Verdict

Attested Disposition

RISK SCORE 23/100

Confidence: 97.1% | LOW RISK - Withdrawal approved. Re-evaluation triggered if score exceeds 60.

Reasoning Summary

Wallet age 847 days (LOW RISK, WIE-01)
Counterparty contamination (2-hop weighted): 0.02% (WIE-08, CLEAR)
No direct darknet / ransomware / mixer / state-actor exposure (WIE-09 through WIE-14, CLEAR)
Velocity patterns within 90-day baseline (WIE-15, CLEAR)
DeFi trust score 94/100 (WIE-22, HIGH TRUST)
Cross-wallet clustering: no discrepancy with declared holdings (WIE-29, CLEAR)
Regulatory alignment: US-SG corridor compliant (WIE-36, PASS)
Cumulative taint score: 0.02% (WIE-40, under 1% threshold)

6Cryptographic Seal and Anchor

Issuer: JIL Sovereign Technologies, Inc. (DE)
Signing Algorithm: Ed25519 + Dilithium-III (classical + post-quantum hybrid)
Issuer Signature: c3d4e5f67890a1b2abcdef0123456789fedcba9876543210abcdef0123456789
Validator Quorum: 14 of 20 across 10 jurisdictions (70% threshold exceeded)
JIL L1 Anchor: tx-hash: 0xcd34...678e
Merkle Root: Rolled up from Section 4A per-check evidence hashes

Verify at
jilsovereign.com/verify/
JIL-VR-WI-2026-04-19-D5C

7Chain of Custody Timeline

15:03:51.000 UTC	Exchange POST /api/wie/verdict received	req-hash: 4d5e6f7a8b9c...
15:03:51.014 UTC	Test profile WIE-STANDARD-v4.0 loaded	profile-hash: 0d1e2f3a4b5c...
15:03:51.023 UTC	42 WIE signals dispatched	dispatch-hash: 6d7e8f9a0b1c...
15:03:51.161 UTC	All 42 signals returned. Risk score aggregated.	signals-hash: 2d3e4f5a6b7c...
15:03:51.169 UTC	Verdict sealed (Ed25519 + Dilithium-III)	verdict-hash: 8d9e0f1a2b3c...
15:03:51.175 UTC	Validator quorum (14/20) signed	quorum-hash: 4d5e6f7a8b9c...
15:03:51.182 UTC	Anchored to JIL L1 block #892,448	tx-hash: 0xcd34...678e
15:03:51.185 UTC	Record written to exchange SDV	sdv-object: verdicts/wallet-intel/2026/04/19/...
15:03:51.187 UTC	Retrieval-index commit	index-id: VR-INDEX-1776657831187

Total latency: 187 ms - within the 200ms WIE SLA.

8Authorized Evidentiary Uses

Federal court admission under FRE 702 (expert testimony) and 901 (authentication) - cryptographic anchor authenticates without requiring JIL as fact witness.
Regulatory submission to OFAC, FinCEN, SEC, and state attorneys general.
Custodian compliance evidence for SOC 2 Type II, ISO 27001, NYDFS Part 500, HITRUST CSF audits.
Internal audit trail under BSA 5-year recordkeeping (JIL retention exceeds at 15+ years).
Due diligence evidence for correspondent banking, MSB registration, VASP Travel Rule.