{
  "tool_id": "art-500-classify-safeguarding-method",
  "note": "Vectors computed directly from the shipped kernel. Covers a coherent segregation stream, an incoherent one, an insurance stream with named judgment_required outcomes, a mixed remittance, and the finite gate on an empty stream set.",
  "vectors": [
    {
      "name": "segregation-coherent",
      "description": "A segregated e-money stream in a designated account with a countersigned acknowledgement letter and same-day segregation.",
      "policy_parameters": {
        "as_of_date": "2026-07-29",
        "relevant_funds_high_water_minor_units": 4200000,
        "weeks_observed": 60,
        "streams": [
          {
            "stream_ref": "STRM-001",
            "funds_category": "emoney_relevant_funds",
            "method_asserted": "segregation",
            "designated_account_status": "designated_relevant_funds_bank_account",
            "acknowledgement_letter_status": "received_and_countersigned",
            "receipt_to_segregation_timing": "same_business_day"
          }
        ]
      },
      "output_payload": {
        "ruleset": {
          "ruleset_id": "FCA-CASS15-PS25-12",
          "ruleset_label": "FCA CASS 15 safeguarding rules, as made by PS25/12",
          "in_force_from": "2026-05-07",
          "field_set_version": "1.0.0",
          "sourced_from": "handbook.fca.org.uk",
          "sourced_on": "2026-07-30"
        },
        "as_of_date": "2026-07-29",
        "minor_unit_exponent": 2,
        "classification_verdict": "COHERENT_ON_SUPPLIED_FACTS",
        "stream_count": 1,
        "coherent_count": 1,
        "incoherent_count": 0,
        "judgment_stream_count": 0,
        "open_judgment_count": 0,
        "determinations": [
          {
            "stream_ref": "STRM-001",
            "funds_category": "emoney_relevant_funds",
            "method_asserted": "segregation",
            "relevant_funds_determination": {
              "outcome": "relevant",
              "basis": "Declared as emoney_relevant_funds, which the firm has identified as relevant funds.",
              "citation_id": null
            },
            "method_coherence": "coherent",
            "method_findings": [],
            "incoherence_count": 0,
            "judgment_required_count": 0
          }
        ],
        "audit_exemption_indicator": {
          "outcome": "audit_exemption_indicated",
          "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"
        },
        "citations": {
          "segregation_method": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.1G",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "mixed_remittances": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.2R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "insurance_or_guarantee_conditions": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.4R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "insurance_or_guarantee_provider": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.8R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "acknowledgement_letters": {
            "scheme": "fca-handbook",
            "id": "CASS 15.7",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s7"
          },
          "safeguarding_audit": {
            "scheme": "fca-handbook",
            "id": "SUP 3A",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/SUP/3A/"
          }
        },
        "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."
        ],
        "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."
      },
      "compliance_flags": [
        "SAFEGUARDING_METHOD_COHERENT_ON_SUPPLIED_FACTS",
        "SAFEGUARDING_AUDIT_EXEMPTION_INDICATED"
      ],
      "golden_hash": "0b9b786bf9b4edba1a997aa0c5d2d61f79ebce0fcb1bc151f53c45411e88cec3"
    },
    {
      "name": "segregation-incoherent-not-designated",
      "description": "Segregation asserted over an account declared as not designated. Incoherent on the supplied facts.",
      "policy_parameters": {
        "as_of_date": "2026-07-29",
        "relevant_funds_high_water_minor_units": 90000000,
        "weeks_observed": 60,
        "streams": [
          {
            "stream_ref": "STRM-002",
            "funds_category": "payment_service_relevant_funds",
            "method_asserted": "segregation",
            "designated_account_status": "not_designated",
            "acknowledgement_letter_status": "received_and_countersigned",
            "receipt_to_segregation_timing": "same_business_day"
          }
        ]
      },
      "output_payload": {
        "ruleset": {
          "ruleset_id": "FCA-CASS15-PS25-12",
          "ruleset_label": "FCA CASS 15 safeguarding rules, as made by PS25/12",
          "in_force_from": "2026-05-07",
          "field_set_version": "1.0.0",
          "sourced_from": "handbook.fca.org.uk",
          "sourced_on": "2026-07-30"
        },
        "as_of_date": "2026-07-29",
        "minor_unit_exponent": 2,
        "classification_verdict": "INCOHERENCE_PRESENT",
        "stream_count": 1,
        "coherent_count": 0,
        "incoherent_count": 1,
        "judgment_stream_count": 0,
        "open_judgment_count": 0,
        "determinations": [
          {
            "stream_ref": "STRM-002",
            "funds_category": "payment_service_relevant_funds",
            "method_asserted": "segregation",
            "relevant_funds_determination": {
              "outcome": "relevant",
              "basis": "Declared as payment_service_relevant_funds, which the firm has identified as relevant funds.",
              "citation_id": null
            },
            "method_coherence": "incoherent",
            "method_findings": [
              {
                "outcome": "incoherent",
                "basis": "Segregation is asserted, but the account holding the funds is declared as not being a designated relevant funds bank account. Under the segregation method the funds are held in a relevant funds bank account, so the asserted method and the declared account status do not agree.",
                "citation_id": "CASS 15.3.1G"
              }
            ],
            "incoherence_count": 1,
            "judgment_required_count": 0
          }
        ],
        "audit_exemption_indicator": {
          "outcome": "audit_exemption_not_indicated",
          "basis": "Over 60 weeks the firm reports a relevant funds high-water figure of 900000.00, above the 100000.00 threshold the exemption is expressed against.",
          "citation_id": "SUP 3A"
        },
        "citations": {
          "segregation_method": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.1G",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "mixed_remittances": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.2R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "insurance_or_guarantee_conditions": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.4R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "insurance_or_guarantee_provider": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.8R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "acknowledgement_letters": {
            "scheme": "fca-handbook",
            "id": "CASS 15.7",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s7"
          },
          "safeguarding_audit": {
            "scheme": "fca-handbook",
            "id": "SUP 3A",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/SUP/3A/"
          }
        },
        "rationale": [
          "1 funds stream classified against FCA CASS 15 safeguarding rules, as made by PS25/12, in force from 2026-05-07.",
          "1 stream carry facts that do not agree with the method asserted for them. An incoherence here is an inconsistency between the facts as supplied, not a determination that the firm has breached CASS 15."
        ],
        "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."
      },
      "compliance_flags": [
        "SAFEGUARDING_METHOD_INCOHERENCE_PRESENT",
        "SAFEGUARDING_METHOD_INCOHERENCE_PRESENT"
      ],
      "golden_hash": "0a994ca4e4c41c1adb959cba9ea068f0b26b625b0e6f2b5a280278e4c12e0947"
    },
    {
      "name": "insurance-judgment-required-named",
      "description": "Insurance method with two CASS 15.5.4R conditions unknown. Each judgment names what, which input, and who decides.",
      "policy_parameters": {
        "as_of_date": "2026-07-29",
        "relevant_funds_high_water_minor_units": 90000000,
        "weeks_observed": 60,
        "streams": [
          {
            "stream_ref": "STRM-003",
            "funds_category": "emoney_relevant_funds",
            "method_asserted": "insurance_or_guarantee",
            "provider_ref": "PROV-REF-77",
            "insurance_conditions": {
              "proceeds_payable_on_insolvency_event": true,
              "no_conditions_on_prompt_payout": true,
              "certification_no_more_onerous_than_necessary": "unknown",
              "proceeds_paid_into_relevant_funds_bank_account": true,
              "cancellation_restricted_with_3_months_notice": "unknown"
            }
          }
        ]
      },
      "output_payload": {
        "ruleset": {
          "ruleset_id": "FCA-CASS15-PS25-12",
          "ruleset_label": "FCA CASS 15 safeguarding rules, as made by PS25/12",
          "in_force_from": "2026-05-07",
          "field_set_version": "1.0.0",
          "sourced_from": "handbook.fca.org.uk",
          "sourced_on": "2026-07-30"
        },
        "as_of_date": "2026-07-29",
        "minor_unit_exponent": 2,
        "classification_verdict": "JUDGMENT_REQUIRED",
        "stream_count": 1,
        "coherent_count": 0,
        "incoherent_count": 0,
        "judgment_stream_count": 1,
        "open_judgment_count": 2,
        "determinations": [
          {
            "stream_ref": "STRM-003",
            "funds_category": "emoney_relevant_funds",
            "method_asserted": "insurance_or_guarantee",
            "relevant_funds_determination": {
              "outcome": "relevant",
              "basis": "Declared as emoney_relevant_funds, which the firm has identified as relevant funds.",
              "citation_id": null
            },
            "method_coherence": "judgment_required",
            "method_findings": [
              {
                "outcome": "judgment_required",
                "what_is_undetermined": "Whether this CASS 15.5.4R condition is met: any certification requirement is no more onerous than is practically necessary. It was supplied as absent or unknown, and the method depends on all five conditions holding.",
                "resolving_input": "The executed wording of the insurance policy or guarantee, at the term that governs: any certification requirement is no more onerous than is practically necessary.",
                "decided_by": "The firm, on the facts in its own books and records. A safeguarding auditor tests that conclusion under SUP 3A. This tool does not decide it.",
                "citation_id": "CASS 15.5.4R"
              },
              {
                "outcome": "judgment_required",
                "what_is_undetermined": "Whether this CASS 15.5.4R condition is met: the provider cannot cancel before expiry except for non-payment of premium and on at least 3 months notice to the firm and the FCA. It was supplied as absent or unknown, and the method depends on all five conditions holding.",
                "resolving_input": "The executed wording of the insurance policy or guarantee, at the term that governs: the provider cannot cancel before expiry except for non-payment of premium and on at least 3 months notice to the firm and the FCA.",
                "decided_by": "The firm, on the facts in its own books and records. A safeguarding auditor tests that conclusion under SUP 3A. This tool does not decide it.",
                "citation_id": "CASS 15.5.4R"
              }
            ],
            "incoherence_count": 0,
            "judgment_required_count": 2
          }
        ],
        "audit_exemption_indicator": {
          "outcome": "audit_exemption_not_indicated",
          "basis": "Over 60 weeks the firm reports a relevant funds high-water figure of 900000.00, above the 100000.00 threshold the exemption is expressed against.",
          "citation_id": "SUP 3A"
        },
        "citations": {
          "segregation_method": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.1G",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "mixed_remittances": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.2R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "insurance_or_guarantee_conditions": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.4R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "insurance_or_guarantee_provider": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.8R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "acknowledgement_letters": {
            "scheme": "fca-handbook",
            "id": "CASS 15.7",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s7"
          },
          "safeguarding_audit": {
            "scheme": "fca-handbook",
            "id": "SUP 3A",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/SUP/3A/"
          }
        },
        "rationale": [
          "1 funds stream classified against FCA CASS 15 safeguarding rules, as made by PS25/12, in force from 2026-05-07.",
          "2 questions remain undetermined on the facts supplied. Each one names what is undetermined, which input would resolve it, and who decides. This tool does not decide any of them."
        ],
        "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."
      },
      "compliance_flags": [
        "SAFEGUARDING_METHOD_JUDGMENT_REQUIRED",
        "SAFEGUARDING_METHOD_JUDGMENT_REQUIRED"
      ],
      "golden_hash": "f0902360a1ebfb3efacd5cb6fed447ff0b136920127e08231c41747371cf05bd"
    },
    {
      "name": "mixed-remittance-judgment",
      "description": "A mixed remittance cannot be split at stream level, so the relevant funds question is routed to judgment with its resolving input.",
      "policy_parameters": {
        "as_of_date": "2026-07-29",
        "relevant_funds_high_water_minor_units": 9000000,
        "weeks_observed": 20,
        "streams": [
          {
            "stream_ref": "STRM-004",
            "funds_category": "mixed_remittance",
            "method_asserted": "segregation",
            "designated_account_status": "designated_relevant_funds_bank_account",
            "acknowledgement_letter_status": "received_and_countersigned",
            "receipt_to_segregation_timing": "same_business_day"
          }
        ]
      },
      "output_payload": {
        "ruleset": {
          "ruleset_id": "FCA-CASS15-PS25-12",
          "ruleset_label": "FCA CASS 15 safeguarding rules, as made by PS25/12",
          "in_force_from": "2026-05-07",
          "field_set_version": "1.0.0",
          "sourced_from": "handbook.fca.org.uk",
          "sourced_on": "2026-07-30"
        },
        "as_of_date": "2026-07-29",
        "minor_unit_exponent": 2,
        "classification_verdict": "JUDGMENT_REQUIRED",
        "stream_count": 1,
        "coherent_count": 1,
        "incoherent_count": 0,
        "judgment_stream_count": 1,
        "open_judgment_count": 2,
        "determinations": [
          {
            "stream_ref": "STRM-004",
            "funds_category": "mixed_remittance",
            "method_asserted": "segregation",
            "relevant_funds_determination": {
              "outcome": "judgment_required",
              "what_is_undetermined": "Which portion of this mixed remittance is relevant funds and which is not. A mixed remittance carries both, and the split cannot be read off the stream-level facts supplied here.",
              "resolving_input": "The transaction-level breakdown of the remittance showing the amount received in respect of payment services or the issuance of electronic money, separated from any other amount.",
              "decided_by": "The firm, on the facts in its own books and records. A safeguarding auditor tests that conclusion under SUP 3A. This tool does not decide it.",
              "citation_id": "CASS 15.3.2R"
            },
            "method_coherence": "coherent",
            "method_findings": [],
            "incoherence_count": 0,
            "judgment_required_count": 1
          }
        ],
        "audit_exemption_indicator": {
          "outcome": "judgment_required",
          "what_is_undetermined": "Whether the safeguarding audit exemption is indicated. The exemption is expressed over a period of at least 53 weeks, and only 20 weeks of observation were supplied, so the supplied window is too short to indicate it either way.",
          "resolving_input": "A relevant funds high-water figure observed over at least 53 weeks.",
          "decided_by": "The firm, on the facts in its own books and records. A safeguarding auditor tests that conclusion under SUP 3A. This tool does not decide it.",
          "citation_id": "SUP 3A"
        },
        "citations": {
          "segregation_method": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.1G",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "mixed_remittances": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.2R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "insurance_or_guarantee_conditions": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.4R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "insurance_or_guarantee_provider": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.8R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "acknowledgement_letters": {
            "scheme": "fca-handbook",
            "id": "CASS 15.7",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s7"
          },
          "safeguarding_audit": {
            "scheme": "fca-handbook",
            "id": "SUP 3A",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/SUP/3A/"
          }
        },
        "rationale": [
          "1 funds stream classified against FCA CASS 15 safeguarding rules, as made by PS25/12, in force from 2026-05-07.",
          "2 questions remain undetermined on the facts supplied. Each one names what is undetermined, which input would resolve it, and who decides. This tool does not decide any of them."
        ],
        "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."
      },
      "compliance_flags": [
        "SAFEGUARDING_METHOD_JUDGMENT_REQUIRED",
        "SAFEGUARDING_METHOD_JUDGMENT_REQUIRED"
      ],
      "golden_hash": "511aad0b96f6c22409f485fceed3ef81354df828f734a7a7089ef22161a3a443"
    },
    {
      "name": "empty-streams-finite-gate",
      "description": "FINITE GATE: no streams supplied. Resolves to a defined NO_STREAMS_SUPPLIED verdict, never NaN or undefined.",
      "policy_parameters": {
        "as_of_date": "2026-07-29",
        "streams": []
      },
      "output_payload": {
        "ruleset": {
          "ruleset_id": "FCA-CASS15-PS25-12",
          "ruleset_label": "FCA CASS 15 safeguarding rules, as made by PS25/12",
          "in_force_from": "2026-05-07",
          "field_set_version": "1.0.0",
          "sourced_from": "handbook.fca.org.uk",
          "sourced_on": "2026-07-30"
        },
        "as_of_date": "2026-07-29",
        "minor_unit_exponent": 2,
        "classification_verdict": "NO_STREAMS_SUPPLIED",
        "stream_count": 0,
        "coherent_count": 0,
        "incoherent_count": 0,
        "judgment_stream_count": 0,
        "open_judgment_count": 1,
        "determinations": [],
        "audit_exemption_indicator": {
          "outcome": "judgment_required",
          "what_is_undetermined": "Whether the firm is indicated as exempt from arranging a safeguarding audit. The highest amount of relevant funds the firm has been required to safeguard, or the length of the observation period, was not supplied as an integer.",
          "resolving_input": "The highest relevant funds figure the firm has been required to safeguard at any time, in minor units, and the number of whole weeks that figure has been observed over.",
          "decided_by": "The firm, on the facts in its own books and records. A safeguarding auditor tests that conclusion under SUP 3A. This tool does not decide it.",
          "citation_id": "SUP 3A"
        },
        "citations": {
          "segregation_method": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.1G",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "mixed_remittances": {
            "scheme": "fca-handbook",
            "id": "CASS 15.3.2R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s3"
          },
          "insurance_or_guarantee_conditions": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.4R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "insurance_or_guarantee_provider": {
            "scheme": "fca-handbook",
            "id": "CASS 15.5.8R",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s5"
          },
          "acknowledgement_letters": {
            "scheme": "fca-handbook",
            "id": "CASS 15.7",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/cass15/cass15s7"
          },
          "safeguarding_audit": {
            "scheme": "fca-handbook",
            "id": "SUP 3A",
            "in_force_from": "2026-05-07",
            "mapped_by": "AINumbers CASS15-K-1",
            "mapped_at": "2026-07-30",
            "uri": "https://handbook.fca.org.uk/handbook/SUP/3A/"
          }
        },
        "rationale": [
          "0 funds streams classified against FCA CASS 15 safeguarding rules, as made by PS25/12, in force from 2026-05-07.",
          "No streams were supplied, so there is nothing to classify. This is a defined empty result, not a finding about the firm.",
          "1 question remains undetermined on the facts supplied. Each one names what is undetermined, which input would resolve it, and who decides. This tool does not decide any of them."
        ],
        "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."
      },
      "compliance_flags": [
        "SAFEGUARDING_METHOD_NO_STREAMS_SUPPLIED",
        "SAFEGUARDING_METHOD_JUDGMENT_REQUIRED"
      ],
      "golden_hash": "a573f50fa536ee5c5d26f8ac95ad022c3077632076fb1cef681ffddb4790d6a0"
    }
  ]
}