Sample Verdict Record - Transparency

What a verdict actually looks like.

A fully-rendered synthetic Verdict Record for an applicant whose beneficial-owner roster includes a sanctioned individual. The engine triggers three hard blocks - two sanctions matches plus a registry hit - and returns a NOdecision with full evidence. This is the actual schema, not a marketing simplification.

Verdict Engine coverage →

Aggregate result

Decision

Aggregate score (0=safe, 100=blocked)

Hard blocks (any one mandates NO)

120

Checks run

Checks skipped (lifecycle-stage-gated)

412 ms

End-to-end latency

Hard blocks - any one of these mandates NO

Check ID	Category	Source	Reason
SAN-004	SAN	sanctions-screening-cache	Beneficial owner matched OFAC SDN at 0.97 confidence (Vladimir V. Putin)
SAN-007	SAN	sanctions-screening-cache	Same beneficial owner matched EU consolidated list at 0.99 confidence
NET-003	NET	internal registry	Beneficial owner present on JIL Bad-Actor Registry at`excluded`level

Category breakdown

Each category contributes one mean score (lower is safer). The aggregate is the weight-mean across all categories. Lifecycle-gated categories (MIL, DIS, RPT) score 0 at pre-clearance because their checks emit documented skipped_reason: stage_gatedoutcomes.

Category	Score	Read
GOV	18	Minor
FIN	30	Minor
SAN	100	Blocking-tier
BEN	65	Reviewable
PRG	25	Minor
COM	20	Minor
OPS	15	Minor
MIL	0	Clear
DIS	0	Clear
PER	22	Minor
RPT	0	Clear
EQU	30	Minor
JUR	0	Clear
NET	100	Blocking-tier
ANO	35	Reviewable

Sample per-check outcomes

Nine of the 120 outcomes are shown below to illustrate the schema. Each outcome carries a primary-sourcedetailpayload that becomes part of the CourtChain bundle.

[
  {
    "id": "SAN-004",
    "category": "SAN",
    "score": 100,
    "triggered": true,
    "hard_block": true,
    "source": "sanctions-screening-cache",
    "detail": {
      "matched_list": "OFAC SDN",
      "match_score": 0.97,
      "matched_name": "Vladimir V. Putin",
      "subject_kind": "beneficial_owner"
    }
  },
  {
    "id": "SAN-007",
    "category": "SAN",
    "score": 100,
    "triggered": true,
    "hard_block": true,
    "source": "sanctions-screening-cache",
    "detail": {
      "matched_list": "EU consolidated",
      "match_score": 0.99,
      "matched_name": "Vladimir V. Putin",
      "subject_kind": "beneficial_owner"
    }
  },
  {
    "id": "NET-003",
    "category": "NET",
    "score": 100,
    "triggered": true,
    "hard_block": true,
    "source": "internal",
    "detail": {
      "hits": [
        {
          "name": "Vladimir V. Putin",
          "level": "excluded"
        }
      ]
    }
  },
  {
    "id": "BEN-002",
    "category": "BEN",
    "score": 0,
    "triggered": false,
    "hard_block": false,
    "source": "kyc-service",
    "detail": {
      "bo_count": 4,
      "with_id_verification": 4
    }
  },
  {
    "id": "GOV-014",
    "category": "GOV",
    "score": 0,
    "triggered": false,
    "hard_block": false,
    "source": "internal",
    "detail": {
      "age_months": 38
    }
  },
  {
    "id": "FIN-001",
    "category": "FIN",
    "score": 0,
    "triggered": false,
    "hard_block": false,
    "source": "internal",
    "detail": {
      "has_form_990": true,
      "has_audited_financials": true
    }
  },
  {
    "id": "FIN-006",
    "category": "FIN",
    "score": 25,
    "triggered": false,
    "hard_block": false,
    "source": "internal",
    "detail": {
      "months_of_reserves": 3,
      "cash": 142000
    }
  },
  {
    "id": "MIL-001",
    "category": "MIL",
    "score": 0,
    "triggered": false,
    "hard_block": false,
    "source": "internal",
    "skipped_reason": "stage_gated",
    "detail": {
      "note": "milestone checks run at milestone events; not applicable at pre-clearance"
    }
  },
  {
    "id": "PRG-003",
    "category": "PRG",
    "score": 25,
    "triggered": false,
    "hard_block": false,
    "source": "internal",
    "detail": {
      "theory_of_change_coherence": 0.62,
      "llm_used": false
    }
  }
]

Anchored payload

The verdict's identifying fields -verdict_id, aggregate_score, decision, category_scores, hard_blocks- are SHA-256 hashed and the digest is anchored on CourtChain. Foundations subscribing to the disbursement webhook receive a signed envelope containing this exact payload.

{
  "verdict_id": "a3e9f1c0-7d5b-4f2e-9a8c-12d3e4567890",
  "application_id": "app_2c4d5e6f7g8h9i0j",
  "subject_type": "application",
  "aggregate_score": 78,
  "decision": "NO",
  "hard_blocks": [
    "SAN-004",
    "SAN-007",
    "NET-003"
  ],
  "category_scores": {
    "GOV": 18,
    "FIN": 30,
    "SAN": 100,
    "BEN": 65,
    "PRG": 25,
    "COM": 20,
    "OPS": 15,
    "MIL": 0,
    "DIS": 0,
    "PER": 22,
    "RPT": 0,
    "EQU": 30,
    "JUR": 0,
    "NET": 100,
    "ANO": 35
  },
  "checks_run": 120,
  "checks_skipped": [
    "MIL-001",
    "MIL-002",
    "MIL-003",
    "MIL-004",
    "MIL-005",
    "MIL-006",
    "MIL-007",
    "MIL-008",
    "MIL-009",
    "MIL-010",
    "MIL-011",
    "MIL-012",
    "DIS-001",
    "DIS-002",
    "DIS-003",
    "DIS-004",
    "DIS-005",
    "DIS-006",
    "DIS-007",
    "DIS-008",
    "DIS-009",
    "RPT-001",
    "RPT-002",
    "RPT-003",
    "RPT-004",
    "RPT-005",
    "RPT-006",
    "RPT-007"
  ],
  "evaluated_at": "2026-05-04T15:42:11.318Z",
  "catalog_version": "2026.05.04-148",
  "payload_hash": "sha256:9b7c4d8e2f1a3b5c6d7e8f9012a3b4c5d6e7f8901234567890abcdef12345678",
  "context_summary": {
    "grantee_id": "gr_8a3b9c0d1e2f3g4h",
    "jurisdiction": "us",
    "age_months": 38,
    "bo_count": 4,
    "personnel_count": 12,
    "signer_count": 3,
    "doc_count": 14,
    "doc_categories": [
      "articles",
      "bylaws",
      "board_roster",
      "coi_policy",
      "form_990",
      "audited_financials",
      "budget",
      "board_minutes"
    ],
    "latency_ms": 412
  }
}

This is the actual schema. Live verdict records on customer applications follow this exact structure - they are anchored, signed, retrievable, and admissible under FRE 902(14). See the 148-check reference →