{
  "tool_id": "art-14-psd3-psr-readiness-checker",
  "note": "golden_hash is empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "minimal",
      "policy_parameters": {
        "instType": "payment_institution",
        "jurisdiction": "eu_single",
        "psd2Status": "mostly_compliant",
        "openBankingLevel": "ob_testing",
        "tppTypes": [
          "tpp_pisp"
        ],
        "scaExemptions": [
          "sca_low_value"
        ],
        "consentMaturity": "standard",
        "openFinance": [
          "of_none"
        ],
        "fraudLiability": "shared",
        "baasScope": "none"
      },
      "output_payload": {
        "overall_readiness_score": 62,
        "band": "Moderate Readiness",
        "verdict": "Moderate Readiness — Targeted Gap Remediation Required",
        "critical_gaps": 0,
        "domain_scores": {
          "d1": 68,
          "d2": 55,
          "d3": 42,
          "d4": 65,
          "d5": 70,
          "d6": 80
        }
      },
      "golden_hash": "fa8cfea0c1ecb3bad3d03ab1d0cdc7648d8d3242c97e6216446adcfd89268e7a"
    }
  ]
}