Compliance & Proof-of-Reserves · T620 · Merkle Sum Tree

Summa MST Inclusion Checker

Paste a published Merkle-sum-tree root (hash + sum) and an inclusion proof for one account, verifies membership AND that the balance-sum chain is internally consistent, entirely offline. Independently recomputes both the hash chain and the sum chain from the leaf to the root, and rejects any negative balance or any value exceeding a declared MAX_BALANCE bound anywhere in the path, closing the Merkle-sum-tree negative-balance-cancellation attack described in Maxwell's eprint 2022/043 §4.1 the way Summa's own circuit does, applied here at the application layer.

⚠ This tool verifies inclusion and local sum-consistency of ONE leaf against ONE published root. It never asserts that reserves are sufficient, that an exchange is solvent, or that a checked proof constitutes an audit, and it cannot detect a problem in any OTHER leaf not covered by this proof path.
Summa MST Proof-of-Reserves Zero PII Client-Side
Scope & reliance: 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data - use synthetic or anonymised inputs only. This checker verifies a SHA-256 Merkle sum tree, not Summa's own Poseidon-hashed production circuit output - it is a from-scratch, non-ZK reimplementation of the documented pattern, not an interop layer with any specific vendor's published root. All balance/sum arithmetic uses BigInt; the declared MAX_BALANCE bound is a verification parameter you control, not the thing being verified. Deterministic logic · no inference · zero PII · CC BY 4.0.
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data - use synthetic or anonymised inputs only.
⚠ The leaf identifier field must be an opaque, already-hashed account identifier (a commitment the exchange published, or a synthetic ID), never a raw username, account number, or email.
Published Root
Leaf & Proof
Sibling SideSibling Hash (hex)Sibling Sum (decimal)