Observation
Provenance SHADOW. Enforcing false. Mode observe. Side effect not enforced.
Derived fidelity A. The sealed envelope still records B.
{
"mode": "observe",
"flags": {
"gap": false,
"duplicate": false,
"out_of_order": false,
"sequence_rollback": false
},
"banner": "Observation mode — non-enforcing. Nothing shown here changed a payment.",
"payment": {
"rail": "wire",
"batch": {
"batch_id": "observe",
"position": 1,
"debit_minor": 0,
"entry_count": 1,
"credit_minor": 0
},
"debit": false,
"credit": true,
"addenda": [],
"prenote": false,
"currency": "USD",
"sec_code": null,
"originator": {
"id": "ORIG-CAP",
"name": "ORIG-CAP",
"account": {
"fingerprint": "de06334f31d63dd106b7831c19eb5cffe38e5e57dad02e30c737d67f82aa0267",
"display_last4": "····0001"
}
},
"payment_id": "WIRE-CAP-1",
"record_ref": "observe:1",
"remittance": "invoice",
"value_date": "2026-03-02",
"beneficiary": {
"id": "BENE-WIRE-CAP-1",
"name": "Vendor",
"account": {
"fingerprint": "0874b60a55c8757492495f065b43049fc57789c11c7579e74948210bc5870828",
"display_last4": "····0004"
}
},
"account_kind": "unknown",
"amount_minor": 6000000,
"message_type": null,
"trace_or_e2e": "WIRE-CAP-1",
"creditor_agent": "CHASUS33XXX",
"instruction_id": null,
"evaluation_point": "2026-03-02T15:00:00.000Z",
"transaction_code": null,
"source_file_sha256": "a150cb51eeffb3ab52bf89333f813b87bd710c414f71968b69eb1bd61491f9d9"
},
"coverage": [
{
"segment": "rail:wire",
"numerator": 1,
"denominator": 7
},
{
"segment": "originator:ORIG-CAP",
"numerator": 1,
"denominator": 2
},
{
"segment": "corridor:USD:US",
"numerator": 1,
"denominator": 1
}
],
"fidelity": "B",
"sequence": 5,
"enforcing": false,
"evaluation": {
"trace": [
{
"label": null,
"detail": "Amount is within the selected rule pack limit.",
"effect": "none",
"result": "pass",
"rule_id": "amount_limit",
"threshold": {
"rail": "wire",
"max_minor": 10000000,
"originator_id": "ORIG-CAP"
},
"annotation": null,
"inputs_used": [
"payment file",
"rule pack"
],
"missing_inputs": []
},
{
"label": "counterfactual_flag",
"detail": "Amount is above the selected rule pack dual-control threshold, which requires a second approver.",
"effect": "escalate",
"result": "trigger",
"rule_id": "dual_control",
"threshold": {
"dual_control_minor": 1000000
},
"annotation": null,
"inputs_used": [
"payment file",
"rule pack"
],
"missing_inputs": []
},
{
"label": "evidence_gap",
"detail": "Not evaluated. Missing submission timestamps with time zone and bank cutoff schedule.",
"effect": "none",
"result": "not_evaluated",
"rule_id": "cutoff_window",
"threshold": null,
"annotation": null,
"inputs_used": [
"payment file"
],
"missing_inputs": [
"submission timestamps with time zone and bank cutoff schedule"
]
},
{
"label": null,
"detail": "No earlier payment in the batch matches beneficiary fingerprint, amount, and value date.",
"effect": "none",
"result": "pass",
"rule_id": "duplicate_beneficiary",
"threshold": {
"match": "beneficiary fingerprint + amount + value date",
"within": "batch"
},
"annotation": null,
"inputs_used": [
"payment file"
],
"missing_inputs": []
},
{
"label": null,
"detail": "Trace or end-to-end id is unique in the batch so far.",
"effect": "none",
"result": "pass",
"rule_id": "duplicate_trace",
"threshold": {
"match": "trace or end-to-end id",
"within": "batch"
},
"annotation": null,
"inputs_used": [
"payment file"
],
"missing_inputs": []
},
{
"label": "counterfactual_flag",
"detail": "Within-batch credits to this beneficiary fingerprint: 1 payment(s), 6000000 minor units.",
"effect": "escalate",
"result": "trigger",
"rule_id": "velocity_within_batch",
"threshold": {
"within_batch_max_count": 2,
"cross_history_max_count": 5,
"cross_history_window_days": 7,
"within_batch_max_sum_minor": 5000000,
"cross_history_max_sum_minor": 10000000
},
"annotation": null,
"inputs_used": [
"payment file"
],
"missing_inputs": []
},
{
"label": "evidence_gap",
"detail": "Not evaluated. Missing prior payment history.",
"effect": "none",
"result": "not_evaluated",
"rule_id": "velocity_cross_history",
"threshold": {
"within_batch_max_count": 2,
"cross_history_max_count": 5,
"cross_history_window_days": 7,
"within_batch_max_sum_minor": 5000000,
"cross_history_max_sum_minor": 10000000
},
"annotation": null,
"inputs_used": [
"payment file"
],
"missing_inputs": [
"prior payment history"
]
},
{
"label": null,
"detail": "The beneficiary account fingerprint matches the latest history at the evaluation point.",
"effect": "none",
"result": "pass",
"rule_id": "beneficiary_change",
"threshold": null,
"annotation": null,
"inputs_used": [
"payment file",
"beneficiary change events"
],
"missing_inputs": []
},
{
"label": null,
"detail": "List-based posture check: the counterparty is not on the deny or watch list.",
"effect": "none",
"result": "pass",
"rule_id": "counterparty_posture",
"threshold": {
"deny": [
"SYN-DENY-CO"
],
"check": "list-based posture check",
"watch": [
"SYN-WATCH-CO"
]
},
"annotation": null,
"inputs_used": [
"payment file",
"rule pack list"
],
"missing_inputs": []
},
{
"label": null,
"detail": "Amount is not just under the dual-control threshold.",
"effect": "none",
"result": "pass",
"rule_id": "structuring",
"threshold": {
"round_unit_minor": 100000,
"dual_control_minor": 1000000,
"just_under_window_minor": 50000
},
"annotation": null,
"inputs_used": [
"payment file",
"rule pack"
],
"missing_inputs": []
}
],
"payment": {
"rail": "wire",
"batch": {
"batch_id": "observe",
"position": 1,
"debit_minor": 0,
"entry_count": 1,
"credit_minor": 0
},
"debit": false,
"credit": true,
"addenda": [],
"prenote": false,
"currency": "USD",
"sec_code": null,
"originator": {
"id": "ORIG-CAP",
"name": "ORIG-CAP",
"account": {
"fingerprint": "de06334f31d63dd106b7831c19eb5cffe38e5e57dad02e30c737d67f82aa0267",
"display_last4": "····0001"
}
},
"payment_id": "WIRE-CAP-1",
"record_ref": "observe:1",
"remittance": "invoice",
"value_date": "2026-03-02",
"beneficiary": {
"id": "BENE-WIRE-CAP-1",
"name": "Vendor",
"account": {
"fingerprint": "0874b60a55c8757492495f065b43049fc57789c11c7579e74948210bc5870828",
"display_last4": "····0004"
}
},
"account_kind": "unknown",
"amount_minor": 6000000,
"message_type": null,
"trace_or_e2e": "WIRE-CAP-1",
"creditor_agent": "CHASUS33XXX",
"instruction_id": null,
"evaluation_point": "2026-03-02T15:00:00.000Z",
"transaction_code": null,
"source_file_sha256": "a150cb51eeffb3ab52bf89333f813b87bd710c414f71968b69eb1bd61491f9d9"
},
"verdict": "would_escalate",
"findings": [
{
"label": "counterfactual_flag",
"detail": "Amount is above the selected rule pack dual-control threshold, which requires a second approver.",
"effect": "escalate",
"result": "trigger",
"rule_id": "dual_control",
"threshold": {
"dual_control_minor": 1000000
},
"annotation": null,
"finding_id": "WIRE-CAP-1:dual_control",
"inputs_used": [
"payment file",
"rule pack"
],
"missing_inputs": []
},
{
"label": "evidence_gap",
"detail": "Not evaluated. Missing submission timestamps with time zone and bank cutoff schedule.",
"effect": "none",
"result": "not_evaluated",
"rule_id": "cutoff_window",
"threshold": null,
"annotation": null,
"finding_id": "WIRE-CAP-1:cutoff_window",
"inputs_used": [
"payment file"
],
"missing_inputs": [
"submission timestamps with time zone and bank cutoff schedule"
]
},
{
"label": "counterfactual_flag",
"detail": "Within-batch credits to this beneficiary fingerprint: 1 payment(s), 6000000 minor units.",
"effect": "escalate",
"result": "trigger",
"rule_id": "velocity_within_batch",
"threshold": {
"within_batch_max_count": 2,
"cross_history_max_count": 5,
"cross_history_window_days": 7,
"within_batch_max_sum_minor": 5000000,
"cross_history_max_sum_minor": 10000000
},
"annotation": null,
"finding_id": "WIRE-CAP-1:velocity_within_batch",
"inputs_used": [
"payment file"
],
"missing_inputs": []
},
{
"label": "evidence_gap",
"detail": "Not evaluated. Missing prior payment history.",
"effect": "none",
"result": "not_evaluated",
"rule_id": "velocity_cross_history",
"threshold": {
"within_batch_max_count": 2,
"cross_history_max_count": 5,
"cross_history_window_days": 7,
"within_batch_max_sum_minor": 5000000,
"cross_history_max_sum_minor": 10000000
},
"annotation": null,
"finding_id": "WIRE-CAP-1:velocity_cross_history",
"inputs_used": [
"payment file"
],
"missing_inputs": [
"prior payment history"
]
}
]
},
"ingress_at": "2026-03-02T14:00:00.000Z",
"provenance": "SHADOW",
"record_kind": "shadow_envelope",
"ruleResults": [
{
"source": "payment_release_rule_pack",
"outcome": "pass",
"rule_id": "amount_limit"
},
{
"source": "payment_release_rule_pack",
"outcome": "trigger",
"rule_id": "dual_control"
},
{
"source": "payment_release_rule_pack",
"outcome": "not_evaluated",
"rule_id": "cutoff_window"
},
{
"source": "payment_release_rule_pack",
"outcome": "pass",
"rule_id": "duplicate_beneficiary"
},
{
"source": "payment_release_rule_pack",
"outcome": "pass",
"rule_id": "duplicate_trace"
},
{
"source": "payment_release_rule_pack",
"outcome": "trigger",
"rule_id": "velocity_within_batch"
},
{
"source": "payment_release_rule_pack",
"outcome": "not_evaluated",
"rule_id": "velocity_cross_history"
},
{
"source": "payment_release_rule_pack",
"outcome": "pass",
"rule_id": "beneficiary_change"
},
{
"source": "payment_release_rule_pack",
"outcome": "pass",
"rule_id": "counterparty_posture"
},
{
"source": "payment_release_rule_pack",
"outcome": "pass",
"rule_id": "structuring"
}
],
"side_effect": "not_enforced",
"uploaded_by": "36ef8b76-539b-41a0-9d1c-676104bd5aee",
"record_class": "retrospective_evaluation_record",
"coverage_mode": "full_stream",
"evaluation_at": "2026-03-02T15:00:00.000Z",
"not_evaluated": [
"cutoff_window",
"velocity_cross_history"
],
"replay_inputs": {
"prior": [],
"payment": {
"rail": "wire",
"batch": {
"batch_id": "observe",
"position": 1,
"debit_minor": 0,
"entry_count": 1,
"credit_minor": 0
},
"debit": false,
"credit": true,
"addenda": [],
"prenote": false,
"currency": "USD",
"sec_code": null,
"originator": {
"id": "ORIG-CAP",
"name": "ORIG-CAP",
"account": {
"fingerprint": "de06334f31d63dd106b7831c19eb5cffe38e5e57dad02e30c737d67f82aa0267",
"display_last4": "····0001"
}
},
"payment_id": "WIRE-CAP-1",
"record_ref": "observe:1",
"remittance": "invoice",
"value_date": "2026-03-02",
"beneficiary": {
"id": "BENE-WIRE-CAP-1",
"name": "Vendor",
"account": {
"fingerprint": "0874b60a55c8757492495f065b43049fc57789c11c7579e74948210bc5870828",
"display_last4": "····0004"
}
},
"account_kind": "unknown",
"amount_minor": 6000000,
"message_type": null,
"trace_or_e2e": "WIRE-CAP-1",
"creditor_agent": "CHASUS33XXX",
"instruction_id": null,
"evaluation_point": "2026-03-02T15:00:00.000Z",
"transaction_code": null,
"source_file_sha256": "a150cb51eeffb3ab52bf89333f813b87bd710c414f71968b69eb1bd61491f9d9"
},
"posture": {
"deny": [
"SYN-DENY-CO"
],
"watch": [
"SYN-WATCH-CO"
]
},
"evidence": {
"absent": [
"payment_history",
"approval_events",
"approval_matrix",
"submissions"
],
"errors": [],
"matrix": [],
"changes": [],
"cutoffs": [],
"history": [],
"approvals": [],
"submissions": []
},
"time_zone": "America/New_York",
"pack_version": "payment-release-v1",
"evaluation_at": "2026-03-02T15:00:00.000Z",
"degraded_rules": []
},
"correlation_id": "WIRE-CAP-1",
"domain_profile": "payment_release",
"missing_reason": null,
"schema_version": "1.0.0",
"tap_receipt_at": "2026-10-12T18:28:00.508Z",
"caller_sequence": 4,
"capacity_reason": null,
"degraded_inputs": [],
"envelope_status": "sealed",
"evaluation_digest": "671c4578ebe3cfe8ea6c4292b2c9edf1033cf24bcc12fd579478767921750533",
"evaluator_verdict": "would_escalate",
"rule_pack_version": "payment-release-v1",
"threshold_version": "payment-release-v1",
"public_demo_stream": true,
"staleness_bound_ms": 86400000,
"exact_effect_digest": "39bc1caf569ca8b32ef665a5d977fad7fec9e1b9fdfad8f37d1833a8db15de3e",
"payment_fingerprint": "12745c14a510e66baf36ba63b5ec14e87ea89e98532cacd8c7556cdbdc279551",
"counterfactual_verdict": "would_escalate",
"deployment_manifest_hash": "c50b6b29a928d82a5b672fe8285ddc5ca0ded05bdbc609ea091d67d1c9eee985",
"evaluation_semantics_version": "payment-release-observe-1",
"capacity_prior_correlation_ids": []
}{
"mode": "observe",
"actual": "released",
"banner": "Observation mode — non-enforcing. Nothing shown here changed a payment.",
"severity": "medium",
"enforcing": false,
"provenance": "SHADOW",
"record_kind": "divergence",
"ruleResults": [
{
"source": "payment_release_divergence",
"outcome": "WOULD_HAVE_ESCALATED"
}
],
"side_effect": "not_enforced",
"record_class": "retrospective_evaluation_record",
"correlation_id": "WIRE-CAP-1",
"domain_profile": "payment_release",
"schema_version": "1.0.0",
"realized_impact": {
"settled": true,
"amount_minor": 6000000,
"counterparty": "BENE-WIRE-CAP-1"
},
"divergence_class": "WOULD_HAVE_ESCALATED",
"effect_comparison": "MATCH",
"envelope_proof_id": "proof-aad528f8-630b-42cf-b313-681c069a87e7",
"non_authoritative": false,
"responsible_rules": [
"dual_control",
"velocity_within_batch"
],
"policy_relationship": "same",
"settlement_variance": "EXACT_MATCH"
}| Kind | Amount (minor) | Reason | Prior correlation ids |
|---|---|---|---|
| reserve | 6000000 | ||
| consume | 6000000 | released |
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