{
  "tool_id": "art-268-compute-cdd-ownership-25pct",
  "tool_version": "1.0.0",
  "display_name": "FinCEN CDD 25% Beneficial Ownership Attribution",
  "mcp_name": "compute_cdd_ownership_25pct",
  "mandate_type": "compliance_mandate",
  "wave": 45,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-268-compute-cdd-ownership-25pct.html",
  "description": "Recursive indirect natural-person beneficial ownership computation via ownership-tier multiplication. 25% threshold per FinCEN CDD Rule 31 CFR 1010.230 bank KYB customer due diligence. Returns is_beneficial_owner (bool), total_indirect_pct, and per-natural-person breakdown. Exactly 25% IS a beneficial owner (>=25 threshold). NOT the CTA/BOI domestic reporting rule (31 USC 5336) removed by FinCEN IFR 2025-03-21. For OFAC 50%-Rule sanctions aggregation see art-91-ownership-50pct-aggregator. Synthetic entity IDs only. Zero PII by construction.",
  "input_schema_ref": "chaingraph/art-268-compute-cdd-ownership-25pct.html#manifest",
  "consumes": [],
  "feeds": [
    "art-269-validate-w8-series-structural"
  ],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:642fc536fb114413087309fee7485f146927deeabb3ad8e9eac8e3bf98f5d36a",
      "valid_from": "2026-07-10"
    },
    {
      "system": "risc0",
      "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
      "valid_from": "2026-07-05"
    }
  ],
  "export_capability": [
    "json"
  ],
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "EbtcQIJ6AnLj+Vel63nLK37HYRNKxpQrtHRQTGxBgtYZiJdY2Mmi4l2aHuBEv6+Nk4UeYSTAEMvz+4dJfvE2oQDmA9RVbByT7DKmwFZxt8BRnZJpY11iAbb+SU6BTlaAGHE0AswHl6NmDFGKfgDgX6kGWEDgmi3sGGqs9gbZGMgYva9phA9mZfb7oawu8cSsTuyI9SJSFWVBy22f2wVOJCqmQy8o0dmHoVtsFdidlRbv2TXV1tbPnAfC118nbmhzAkhyPLVNH6VY6LwhOdi2AYoTEv9y9MUu1FsVyIe/75ADnz3U07ZTvn1/Ztrekfdq+eRWhBO5F7emoKmM2440cg==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:642fc536fb114413087309fee7485f146927deeabb3ad8e9eac8e3bf98f5d36a",
      "output": {
        "below_threshold": [],
        "below_threshold_count": 0,
        "beneficial_owner_count": 1,
        "beneficial_owners": [
          {
            "direct": true,
            "entity_id": "EntityABC",
            "indirect_ownership_pct": 25,
            "natural_person_id": "NP_ALPHA"
          }
        ],
        "entities_evaluated": 1,
        "is_beneficial_owner": true,
        "methodology": "FinCEN CDD Rule 31 CFR 1010.230: indirect ownership multiplication through tiers; sum of fractional stakes >= 25% = beneficial owner determination for legal-entity KYB customer due diligence",
        "not_legal_advice": "Not legal or compliance advice. FinCEN CDD Rule determinations must be made by qualified BSA officers in conjunction with your institution's CDD program policies and procedures.",
        "pii_note": "ZERO PII: synthetic entity identifiers and ownership percentages only. No actual beneficial-owner name, SSN, EIN, address, or personal data enters this kernel. Use FINCEN system or your KYB provider for live beneficial-owner verification.",
        "regime_note": "FinCEN CDD Rule bank KYB (31 CFR 1010.230) -- NOT the CTA/BOI (31 USC 5336) domestic reporting rule. 25% threshold for legal-entity beneficial ownership certification. Domestic CTA beneficial-ownership reporting removed by FinCEN interim final rule effective 2025-03-21 (published 26 Mar 2025); CTA now applies to foreign reporting companies only. This kernel is the 25% bank KYB threshold for legal-entity customer CDD -- distinct from aggregate_ownership_50pct (OFAC/BIS Affiliates Rule 50% sanctions ownership aggregation, different threshold and regime); see ART-91.",
        "regulatory_basis": "FinCEN CDD Rule 31 CFR 1010.230: covered financial institutions must identify beneficial owners of legal entity customers (25% threshold for equity owners). Ownership multiplication through tiers: indirect ownership stake = product of fractional ownership pcts along ownership chain. ZERO PII.",
        "table_source": "FinCEN Customer Due Diligence (CDD) Rule, 31 CFR 1010.230 (final rule published 11 May 2016; applicability date 2018-05-11): 25% beneficial-ownership threshold for legal-entity customers. FinCEN FAQ on CDD Rule (2016). FinCEN Interim Final Rule effective 2025-03-21 (published 26 Mar 2025) narrowing CTA to foreign reporting companies. FFIEC BSA/AML Examination Procedures 2024. Recursive indirect multiplication per FinCEN guidance on ownership attribution through tiered structures. ZERO PII: synthetic entity graphs only.",
        "table_version": "FINCEN-CDD-RULE-31CFR1010.230-2024",
        "threshold_pct": 25
      }
    }
  },
  "compute_proof_ready": "ready"
}