{
  "tool_id": "art-59-settlement-asset-finality-classifier",
  "note": "golden_hash empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "default-inputs",
      "policy_parameters": {},
      "output_payload": {
        "settlement_asset_class": "Off-Chain RTGS Settlement",
        "finality_tier": 4,
        "singleness_verdict": "SINGLENESS_CONDITIONAL",
        "finality_gaps": [
          "NO_LEGAL_FINALITY_DESIGNATION"
        ],
        "applicable_regime": "Jurisdiction-specific; verify against applicable central-bank / CSD / legislative framework",
        "recommendation": "Tier 4 — finality unclear. Do not use this asset class for wholesale settlement without legal clarification. Obtain SFD designation or PFMI compliance assessment. Run wts-settlement-asset.",
        "status_asof": "2026-06-20 — verify EU SFD 98/26/EC, UCC Art.12, CPMI-IOSCO PFMI Principle 8 against current regulatory guidance",
        "note": "Educational classification — not legal or settlement advice. Tier 1 = legally final (CBM/SFD); Tier 2 = conditional (deposit token/PFMI); Tier 3 = contractual (stablecoin); Tier 4 = unclear/none. Gates wts-cross-network-dvp atomicity check."
      },
      "golden_hash": "10d510ee7e362fccb76b360d8375edaa77c3aaabe8c2bd7fd94c838bad2e4446"
    }
  ]
}