{ "tool_id": "art-500-classify-safeguarding-method", "tool_version": "1.0.0", "display_name": "CASS 15 Safeguarding Method Classifier", "mcp_name": "classify_safeguarding_method", "mandate_type": "compliance_mandate", "wave": 78, "gpu": false, "url": "https://ainumbers.co/chaingraph/art-500-classify-safeguarding-method.html", "description": "Classifies each caller-declared funds stream of a UK payment or e-money firm on three questions: whether the funds are relevant funds, whether the safeguarding method asserted for them (segregation under CASS 15.3, or an insurance policy or comparable guarantee under CASS 15.5) is coherent with the designated-account, acknowledgement-letter and instrument facts supplied, and where the supplied facts do not settle the answer. Every judgment_required outcome names what is undetermined, which single input would resolve it, and who decides, so a judgment is never a bare flag. Also computes a SUP 3A safeguarding audit exemption indicator from a relevant funds high-water figure observed over at least 53 weeks. Single-run and stateless. A coherence verdict is a consistency check on the facts as declared, never a determination that the firm has complied with or breached CASS 15, and never an opinion on whether an insurance policy or guarantee is legally effective.", "input_schema_ref": "chaingraph/art-500-classify-safeguarding-method.html#manifest", "consumes": [], "feeds": [], "status": "live", "conformance_fixtures": true, "compute_capability": "server", "compute_images": [ { "system": "sha256-source", "image_id": "sha256:314afddd557143ad20b8ecc8db1f7ebf34c9ff4eded6024723b8cde4d9501938", "valid_from": "2026-07-10" }, { "system": "risc0", "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "valid_from": "2026-07-31" } ], "compute_proof_ready": "ready", "export_capability": [ "json" ], "compute_proof": { "type": "ZkVmReceipt", "system": "risc0", "receiptFormat": "groth16-bn254", "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "seal": "IqLU6S6Zp2VdifndnqcpBNx+sqEBngNH37zgnj1Twe0PTxYVQXkZju7bbR2CdfuE3RVL3YplcjVgHW3OCLH46RSH7CxNs5vqrOTBNUxTXviCaM0kIGjSpZ3dmeFBIUrVCdKq53T1pFCSh/lhi2AtZOT0wSQIxqHEcen1iDdsWTAPojWvOYS2hYXzAfLxej77cNpjKYLF35IhSkqcLwJ07wMBydK7T3YClp4hJ8ESiyolPRpDL5qmKGiQO2VnBgnRFC4Nx3FOdFlIVUl6SM1Db8CkKI6bmqLvPqSb5uv3t+IeqVRTTm1YKE5yhao23svBoAZBQ+zaWle7UZ5CZfHAnA==", "journal": { "chaingraph_version": "0.4.0", "kernel_digest": "sha256:314afddd557143ad20b8ecc8db1f7ebf34c9ff4eded6024723b8cde4d9501938", "output": { "as_of_date": "2026-07-29", "audit_exemption_indicator": { "basis": "Over 60 weeks the firm reports never having been required to safeguard more than 42000.00 in relevant funds, which is at or below the 100000.00 threshold the exemption is expressed against. This is an indicator computed from the figures supplied. Whether the exemption is available to this firm is for the firm and its auditor.", "citation_id": "SUP 3A", "outcome": "audit_exemption_indicated" }, "citations": { "acknowledgement_letters": { "id": "CASS 15.7", "in_force_from": "2026-05-07", "mapped_at": "2026-07-30", "mapped_by": "AINumbers CASS15-K-1", "scheme": "fca-handbook", "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s7" }, "insurance_or_guarantee_conditions": { "id": "CASS 15.5.4R", "in_force_from": "2026-05-07", "mapped_at": "2026-07-30", "mapped_by": "AINumbers CASS15-K-1", "scheme": "fca-handbook", "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5" }, "insurance_or_guarantee_provider": { "id": "CASS 15.5.8R", "in_force_from": "2026-05-07", "mapped_at": "2026-07-30", "mapped_by": "AINumbers CASS15-K-1", "scheme": "fca-handbook", "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5" }, "mixed_remittances": { "id": "CASS 15.3.2R", "in_force_from": "2026-05-07", "mapped_at": "2026-07-30", "mapped_by": "AINumbers CASS15-K-1", "scheme": "fca-handbook", "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3" }, "safeguarding_audit": { "id": "SUP 3A", "in_force_from": "2026-05-07", "mapped_at": "2026-07-30", "mapped_by": "AINumbers CASS15-K-1", "scheme": "fca-handbook", "uri": "https://handbook.fca.org.uk/handbook/SUP/3A/" }, "segregation_method": { "id": "CASS 15.3.1G", "in_force_from": "2026-05-07", "mapped_at": "2026-07-30", "mapped_by": "AINumbers CASS15-K-1", "scheme": "fca-handbook", "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3" } }, "classification_verdict": "COHERENT_ON_SUPPLIED_FACTS", "coherent_count": 1, "determinations": [ { "funds_category": "emoney_relevant_funds", "incoherence_count": 0, "judgment_required_count": 0, "method_asserted": "segregation", "method_coherence": "coherent", "method_findings": [], "relevant_funds_determination": { "basis": "Declared as emoney_relevant_funds, which the firm has identified as relevant funds.", "citation_id": null, "outcome": "relevant" }, "stream_ref": "STRM-001" } ], "incoherent_count": 0, "judgment_stream_count": 0, "minor_unit_exponent": 2, "note": "Deterministic UK CASS 15 safeguarding method classifier over a caller-declared set of funds streams. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It checks whether the method asserted for each stream is coherent with the account and instrument facts supplied, and names every question those facts leave open together with the input that would resolve it and the person who decides. It is not a determination of compliance or breach, not an opinion on the legal effectiveness of any insurance policy or guarantee, not a regulatory filing, and not legal advice.", "open_judgment_count": 0, "rationale": [ "1 funds stream classified against FCA CASS 15 safeguarding rules, as made by PS25/12, in force from 2026-05-07.", "Every stream is internally consistent with the method asserted for it, on the facts supplied. That is a consistency check on the declarations, not a validation that the declarations are true or that the firm complies with CASS 15." ], "ruleset": { "field_set_version": "1.0.0", "in_force_from": "2026-05-07", "ruleset_id": "FCA-CASS15-PS25-12", "ruleset_label": "FCA CASS 15 safeguarding rules, as made by PS25/12", "sourced_from": "handbook.fca.org.uk", "sourced_on": "2026-07-30" }, "stream_count": 1 } } } }