{
      "tool_id": "art-268-compute-cdd-ownership-25pct",
      "tool_version": "1.0.0",
      "display_name": "FinCEN CDD 25% Beneficial Ownership Attribution",
      "mcp_name": "compute_cdd_ownership_25pct",
      "mandate_type": "compliance_mandate",
      "wave": 45,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-268-compute-cdd-ownership-25pct.html",
      "description": "Recursive indirect natural-person beneficial ownership computation via ownership-tier multiplication. 25% threshold per FinCEN CDD Rule 31 CFR 1010.230 bank KYB customer due diligence. Returns is_beneficial_owner (bool), total_indirect_pct, and per-natural-person breakdown. Exactly 25% IS a beneficial owner (>=25 threshold). NOT the CTA/BOI domestic reporting rule (31 USC 5336) removed by FinCEN IFR 2025-03-21. For OFAC 50%-Rule sanctions aggregation see art-91-ownership-50pct-aggregator. Synthetic entity IDs only. Zero PII by construction.",
      "input_schema_ref": "chaingraph/art-268-compute-cdd-ownership-25pct.html#manifest",
      "consumes": [],
      "feeds": [
        "art-269-validate-w8-series-structural"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:0dc3051e04237f9ec574f8ef5ff8b7c1eefcbd0e415204906089b327c6a90378","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-05"}],
      "export_capability": [
        "json"
      ],
      "compute_proof": {
        "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
          }
        }
      },
      "compute_proof_ready": "ready"
    }