{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "KAPk1g93vRWLaIJ0NHiVDZcDKvsL2Q9OBCY8/WDs5oYSwX3zMhJpCjgOheXGu100Sv8xdam9KtmGLXwtnee9IRN1KjTLz6VdLaoyshb3jFhnsLOq9BtBIc6ZpHVfwAEiIvhckD8fvwvHEQEb2yhYkPEGx1+uwo02Odayk+EDcZkiYjmyNQnMZN6fExMxNTkn1whglP3CkaOEiXJW+lAmngXUIdvAq5ccEWdbknZmqBwfXSsjtMuydQqW7IlmdueZLGYRlsAmMBrAK/pauW/OK8xZSICrwsal45zVrDZNzzkVsskLY2tlA0iiahQQ10uMeaBUDbKLpUM0lUQ/s23KgA==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:0dc3051e04237f9ec574f8ef5ff8b7c1eefcbd0e415204906089b327c6a90378",
    "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 CTA/BOI. Domestic CTA beneficial-ownership reporting removed by FinCEN IFR Mar-2025 (final rule); 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).",
      "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 CDD Rule 31 CFR 1010.230 (May 2018, effective Jul 2018): 25% beneficial-ownership threshold for legal-entity customers. FinCEN IFR Mar-2025 narrowing CTA to foreign-reporting-companies. FFIEC BSA/AML Examination Procedures 2024. ZERO PII: synthetic entity graphs only.",
      "table_version": "FINCEN-CDD-RULE-31CFR1010.230-2024",
      "threshold_pct": 25
    }
  }
}