{
      "tool_id": "art-57-deposit-token-compliance-validator",
      "tool_version": "1.0.0",
      "display_name": "Deposit-Token Compliance Validator",
      "mcp_name": "validate_deposit_token_compliance",
      "mandate_type": "compliance_mandate",
      "wave": 13,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-57-deposit-token-compliance-validator.html",
      "description": "3-test validator distinguishing a bank-liability deposit token (JPMD/RLN model: at-par-on-demand, on-balance-sheet, allowlisted-wholesale) from a reserve-backed stablecoin or e-money token. Classifies DEPOSIT_TOKEN_CONFIRMED / CBM_TOKEN / EMT_STABLECOIN / DEPOSIT_TOKEN_MISCLASSIFIED. Provides US / UK / EU regime notes and capital accounting guidance. cash/settlement layer.",
      "input_schema_ref": "chaingraph/art-57-deposit-token-compliance-validator.html#manifest",
      "consumes": [
        "art-56-tokenized-settlement-fit-diagnostic"
      ],
      "feeds": [
        "510-digital-asset-regulatory-classifier",
        "cry-04-merkle-batch-verifier",
        "art-59-settlement-asset-finality-classifier"
      ],
      "status": "live",
      "conformance_fixtures": false,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:2fd5b0a6674a558949495837e3105a855ebde50c43c0441c61008f9a10204f44","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-06-28"}],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "KhUZgVlwTXtfhjJK3ftPLdwXHJQsmLmdhQRkG/AVe5gCKaj7qIuFjzlwRc8nOnDBdAg7HBfyRec0pqA/rLCR5iqc8b5fkti4qrjjcAqHmFHl/YyeRefsSMMemi5tGMSqKjEvhY67nhmxMpmSyGK4lzPW7fxirN66GwDj7SpzzVcBySvo1a6jsESnYRyEJUYcFIzvjo9mI0XXdttAKXpOTRyCCbrIYD2byHf2VI5LEJ4a1rM0F+f1kgYBlKSmEZzsE6TfqL+dVppMS2bnbE/RLsdIeELs5BIctoiTXEtO6dwlikp6ZTuwTmfyirGiNfyges/m96VH2Id82OCniiSPvA==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:2fd5b0a6674a558949495837e3105a855ebde50c43c0441c61008f9a10204f44",
          "output": {
            "applicable_regime": "Other: Verify applicable central-bank, deposit-insurance, and e-money/stablecoin legislation in this jurisdiction.",
            "capital_accounting_note": "Classification unclear or misidentified — capital and accounting treatment depends on reclassification result. Stablecoin/EMT = MiCA Art. 48+ regime (EU) or GENIUS Act (US). Verify with current guidance.",
            "classification": "DEPOSIT_TOKEN_MISCLASSIFIED",
            "classification_grade": "F",
            "note": "Educational deposit-token compliance validator. A deposit token is a bank liability, NOT a reserve-backed e-money instrument. Distinct from Wave 8 Canton tokenized-asset layer and from Tempo/Arc stablecoin tools. Not legal, capital, or accounting advice.",
            "remediation_checklist": [
              {
                "action": "Confirm at-par-on-demand redemption with issuer legal counsel.",
                "issue": "Redemption basis is unclear — verify with issuer legal counsel.",
                "test": "redemption"
              },
              {
                "action": "Confirm on-balance-sheet classification with issuer. If segregated-reserve: token is a stablecoin/EMT, not a deposit.",
                "issue": "Segregated-reserve structure is characteristic of a reserve-backed stablecoin (e.g. MiCA EMT), not a bank deposit.",
                "test": "liability"
              },
              {
                "action": "Restrict token holders to allowlisted wholesale counterparties or recategorise as EMT.",
                "issue": "Open / unrestricted holders — not consistent with a bank deposit token; assess as e-money token or stablecoin.",
                "test": "eligibility"
              }
            ],
            "status_asof": "2026-06-20 — verify US deposit law, MiCA EMT Arts. 48+, UK RLN model, and FDIC/FCA/EBA guidance against current primary sources",
            "test_results": {
              "eligibility": {
                "note": "Open / unrestricted holders — not consistent with a bank deposit token; assess as e-money token or stablecoin.",
                "result": "FAIL"
              },
              "insurance": {
                "note": "No deposit insurance — verify regulatory treatment and investor disclosure.",
                "result": "INFO"
              },
              "liability": {
                "note": "Segregated-reserve structure is characteristic of a reserve-backed stablecoin (e.g. MiCA EMT), not a bank deposit.",
                "result": "FAIL"
              },
              "redemption": {
                "note": "Redemption basis is unclear — verify with issuer legal counsel.",
                "result": "UNCLEAR"
              }
            },
            "token_class": "unclear"
          }
        }
      },
      "export_capability": [
        "pdf",
        "xlsx"
      ]
    }