{
  "tool_id": "art-275-genius-reserve-disclosure-checker",
  "note": "golden_hash empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "default-inputs",
      "policy_parameters": {},
      "output_payload": {
        "monthly_disclosure_determination": "FAIL",
        "report_month": "",
        "coverage_ratio_pct": 0,
        "total_reserves_usd": 0,
        "total_liabilities_usd": 0,
        "reserve_shortfall_usd": 0,
        "prohibited_assets_usd": 0,
        "conditional_assets_usd": 0,
        "custody_locations": [],
        "custody_disclosed": false,
        "ceo_certified": false,
        "cfo_certified": false,
        "dual_control_satisfied": false,
        "gate_policy": "dual_control(2)",
        "registered_examiner_named": false,
        "examiner_name": null,
        "asset_results": [],
        "failing_dimensions": [
          {
            "dim": "Coverage ratio < 100%",
            "detail": "Reserves (0.00) cover only 0.00% of outstanding tokens. Shortfall: 0.00.",
            "ref": "GENIUS Act S.394 §4(a)"
          },
          {
            "dim": "CEO/CFO certification",
            "detail": "Monthly report requires a dual_control(2) CEO/CFO certification. CEO certification missing. CFO certification missing.",
            "ref": "GENIUS Act S.394 §4; FDIC NPR 2026-04-10; OCG SPEC.md §27.3 dual_control(2)"
          },
          {
            "dim": "Registered accounting-firm examiner",
            "detail": "No registered public accounting firm named as examiner for this report.",
            "ref": "GENIUS Act S.394 §4"
          }
        ],
        "mom_diff": null,
        "onchain_supply_check": {
          "provided": false,
          "onchain_supply": null,
          "reported_outstanding_tokens": 0,
          "match": null,
          "delta": null,
          "note": "User-pasted on-chain supply figure compared numerically against the reported outstanding-tokens field. NOT a live network fetch and NOT a cryptographic verification of the source disclosure PDF (zero-fetch, zero-PII tool)."
        },
        "applicable_deadline": "2027-01-18",
        "regulatory_framework": "GENIUS Act S.394 §4 — Monthly Reserve Composition Report",
        "pdf_extraction_note": "This linter operates on extracted disclosure fields (JSON), not the source PDF filing. It does NOT cryptographically verify the underlying published PDF — PDF-only publishing is the industry gap (see XBRL US comment letters). Successor to the pre-issuance art-06 attestation pre-check; not a substitute for it. Re-verify against GENIUS Act final-rule text on/after 2026-07-18."
      },
      "golden_hash": "3722088443df9614316ae69f81b621cbb3d2eb5a46c49c910621cfb8b192b046"
    },
    {
      "name": "clean-conformant-report",
      "policy_parameters": {
        "report_month": "2027-02",
        "outstanding_tokens_reported": 1000000,
        "token_price": 1,
        "issuer_type": "nonbank_state",
        "assets": [
          {
            "type": "tbill",
            "usd": 700000,
            "maturity": 60,
            "custodian": "BNY Mellon"
          },
          {
            "type": "demand_deposit",
            "usd": 300000,
            "custodian": "JPMorgan Chase"
          }
        ],
        "certifying_officers": [
          {
            "role": "CEO",
            "identity_id": "did:key:z6Mk-demo-ceo01"
          },
          {
            "role": "CFO",
            "identity_id": "did:key:z6Mk-demo-cfo01"
          }
        ],
        "registered_examiner_named": true,
        "examiner_name": "Grant Thornton LLP",
        "onchain_supply_check": 1000000
      },
      "output_payload": {
        "monthly_disclosure_determination": "PASS",
        "report_month": "2027-02",
        "coverage_ratio_pct": 100,
        "total_reserves_usd": 1000000,
        "total_liabilities_usd": 1000000,
        "reserve_shortfall_usd": 0,
        "prohibited_assets_usd": 0,
        "conditional_assets_usd": 0,
        "custody_locations": [
          "BNY Mellon",
          "JPMorgan Chase"
        ],
        "custody_disclosed": true,
        "ceo_certified": true,
        "cfo_certified": true,
        "dual_control_satisfied": true,
        "gate_policy": "dual_control(2)",
        "registered_examiner_named": true,
        "examiner_name": "Grant Thornton LLP",
        "asset_results": [
          {
            "type": "tbill",
            "usd": 700000,
            "pct": 70,
            "custodian": "BNY Mellon",
            "eligibility": "permitted",
            "has_fail": false,
            "issues": []
          },
          {
            "type": "demand_deposit",
            "usd": 300000,
            "pct": 30,
            "custodian": "JPMorgan Chase",
            "eligibility": "permitted",
            "has_fail": false,
            "issues": []
          }
        ],
        "failing_dimensions": [],
        "mom_diff": null,
        "onchain_supply_check": {
          "provided": true,
          "onchain_supply": 1000000,
          "reported_outstanding_tokens": 1000000,
          "match": true,
          "delta": 0,
          "note": "User-pasted on-chain supply figure compared numerically against the reported outstanding-tokens field. NOT a live network fetch and NOT a cryptographic verification of the source disclosure PDF (zero-fetch, zero-PII tool)."
        },
        "applicable_deadline": "2027-01-18",
        "regulatory_framework": "GENIUS Act S.394 §4 — Monthly Reserve Composition Report",
        "pdf_extraction_note": "This linter operates on extracted disclosure fields (JSON), not the source PDF filing. It does NOT cryptographically verify the underlying published PDF — PDF-only publishing is the industry gap (see XBRL US comment letters). Successor to the pre-issuance art-06 attestation pre-check; not a substitute for it. Re-verify against GENIUS Act final-rule text on/after 2026-07-18."
      },
      "golden_hash": "16c63ed3248d7fd4e02e9dcfa23c04efafaea165edfa703949077163538942b3"
    },
    {
      "name": "fail-prohibited-asset-mom-swing-onchain-mismatch",
      "policy_parameters": {
        "report_month": "2027-03",
        "outstanding_tokens_reported": 1500000,
        "token_price": 1,
        "issuer_type": "nonbank_state",
        "assets": [
          {
            "type": "tbill",
            "usd": 900000,
            "maturity": 60,
            "custodian": "BNY Mellon"
          },
          {
            "type": "crypto_asset",
            "usd": 100000,
            "custodian": "Coinbase Custody"
          }
        ],
        "certifying_officers": [
          {
            "role": "CEO",
            "identity_id": "did:key:z6Mk-demo-ceo01"
          },
          {
            "role": "CFO",
            "identity_id": "did:key:z6Mk-demo-cfo01"
          }
        ],
        "registered_examiner_named": false,
        "onchain_supply_check": 1600000,
        "prior_month": {
          "report_month": "2027-02",
          "outstanding_tokens_reported": 1000000,
          "assets": [
            {
              "type": "tbill",
              "usd": 700000
            },
            {
              "type": "demand_deposit",
              "usd": 300000
            }
          ]
        }
      },
      "output_payload": {
        "monthly_disclosure_determination": "FAIL",
        "report_month": "2027-03",
        "coverage_ratio_pct": 66.6667,
        "total_reserves_usd": 1000000,
        "total_liabilities_usd": 1500000,
        "reserve_shortfall_usd": 500000,
        "prohibited_assets_usd": 100000,
        "conditional_assets_usd": 0,
        "custody_locations": [
          "BNY Mellon",
          "Coinbase Custody"
        ],
        "custody_disclosed": true,
        "ceo_certified": true,
        "cfo_certified": true,
        "dual_control_satisfied": true,
        "gate_policy": "dual_control(2)",
        "registered_examiner_named": false,
        "examiner_name": null,
        "asset_results": [
          {
            "type": "tbill",
            "usd": 900000,
            "pct": 90,
            "custodian": "BNY Mellon",
            "eligibility": "permitted",
            "has_fail": false,
            "issues": []
          },
          {
            "type": "crypto_asset",
            "usd": 100000,
            "pct": 10,
            "custodian": "Coinbase Custody",
            "eligibility": "prohibited",
            "has_fail": true,
            "issues": [
              "Crypto asset (BTC/ETH/other) is not a permitted reserve asset under GENIUS Act S.394 §4(a)"
            ]
          }
        ],
        "failing_dimensions": [
          {
            "dim": "Coverage ratio < 100%",
            "detail": "Reserves (1000000.00) cover only 66.67% of outstanding tokens. Shortfall: 500000.00.",
            "ref": "GENIUS Act S.394 §4(a)"
          },
          {
            "dim": "Asset issue — Crypto asset (BTC/ETH/other)",
            "detail": "Crypto asset (BTC/ETH/other) is not a permitted reserve asset under GENIUS Act S.394 §4(a)",
            "ref": "GENIUS Act S.394 §4(a)"
          },
          {
            "dim": "Registered accounting-firm examiner",
            "detail": "No registered public accounting firm named as examiner for this report.",
            "ref": "GENIUS Act S.394 §4"
          },
          {
            "dim": "On-chain supply cross-check",
            "detail": "Pasted on-chain supply (1600000) does not match reported outstanding tokens (1500000).",
            "ref": "GENIUS Act S.394 §4 — issuer self-attested figures"
          }
        ],
        "mom_diff": {
          "prior_report_month": "2027-02",
          "tokens_delta": 500000,
          "tokens_delta_pct": 50,
          "reserve_delta_usd": 0,
          "reserve_delta_pct": 0,
          "composition_drift": [
            {
              "type": "tbill",
              "prior_pct": 70,
              "current_pct": 90,
              "drift_pct": 20
            },
            {
              "type": "demand_deposit",
              "prior_pct": 30,
              "current_pct": 0,
              "drift_pct": -30
            },
            {
              "type": "crypto_asset",
              "prior_pct": 0,
              "current_pct": 10,
              "drift_pct": 10
            }
          ],
          "large_swing_flag": true
        },
        "onchain_supply_check": {
          "provided": true,
          "onchain_supply": 1600000,
          "reported_outstanding_tokens": 1500000,
          "match": false,
          "delta": 100000,
          "note": "User-pasted on-chain supply figure compared numerically against the reported outstanding-tokens field. NOT a live network fetch and NOT a cryptographic verification of the source disclosure PDF (zero-fetch, zero-PII tool)."
        },
        "applicable_deadline": "2027-01-18",
        "regulatory_framework": "GENIUS Act S.394 §4 — Monthly Reserve Composition Report",
        "pdf_extraction_note": "This linter operates on extracted disclosure fields (JSON), not the source PDF filing. It does NOT cryptographically verify the underlying published PDF — PDF-only publishing is the industry gap (see XBRL US comment letters). Successor to the pre-issuance art-06 attestation pre-check; not a substitute for it. Re-verify against GENIUS Act final-rule text on/after 2026-07-18."
      },
      "golden_hash": "355c83292c05465f114cdf58080789e344ac96a1c052f417ed4ec51c5bacec16"
    },
    {
      "name": "dual-control-one-officer-only",
      "policy_parameters": {
        "report_month": "2027-04",
        "outstanding_tokens_reported": 100,
        "token_price": 1,
        "issuer_type": "nonbank_state",
        "assets": [
          {
            "type": "demand_deposit",
            "usd": 100,
            "custodian": "JPMorgan Chase"
          }
        ],
        "certifying_officers": [
          {
            "role": "CEO",
            "identity_id": "did:key:z6Mk-demo-ceo01"
          }
        ],
        "registered_examiner_named": true,
        "examiner_name": "Grant Thornton LLP"
      },
      "output_payload": {
        "monthly_disclosure_determination": "FAIL",
        "report_month": "2027-04",
        "coverage_ratio_pct": 100,
        "total_reserves_usd": 100,
        "total_liabilities_usd": 100,
        "reserve_shortfall_usd": 0,
        "prohibited_assets_usd": 0,
        "conditional_assets_usd": 0,
        "custody_locations": [
          "JPMorgan Chase"
        ],
        "custody_disclosed": true,
        "ceo_certified": true,
        "cfo_certified": false,
        "dual_control_satisfied": false,
        "gate_policy": "dual_control(2)",
        "registered_examiner_named": true,
        "examiner_name": "Grant Thornton LLP",
        "asset_results": [
          {
            "type": "demand_deposit",
            "usd": 100,
            "pct": 100,
            "custodian": "JPMorgan Chase",
            "eligibility": "permitted",
            "has_fail": false,
            "issues": []
          }
        ],
        "failing_dimensions": [
          {
            "dim": "CEO/CFO certification",
            "detail": "Monthly report requires a dual_control(2) CEO/CFO certification. CFO certification missing.",
            "ref": "GENIUS Act S.394 §4; FDIC NPR 2026-04-10; OCG SPEC.md §27.3 dual_control(2)"
          }
        ],
        "mom_diff": null,
        "onchain_supply_check": {
          "provided": false,
          "onchain_supply": null,
          "reported_outstanding_tokens": 100,
          "match": null,
          "delta": null,
          "note": "User-pasted on-chain supply figure compared numerically against the reported outstanding-tokens field. NOT a live network fetch and NOT a cryptographic verification of the source disclosure PDF (zero-fetch, zero-PII tool)."
        },
        "applicable_deadline": "2027-01-18",
        "regulatory_framework": "GENIUS Act S.394 §4 — Monthly Reserve Composition Report",
        "pdf_extraction_note": "This linter operates on extracted disclosure fields (JSON), not the source PDF filing. It does NOT cryptographically verify the underlying published PDF — PDF-only publishing is the industry gap (see XBRL US comment letters). Successor to the pre-issuance art-06 attestation pre-check; not a substitute for it. Re-verify against GENIUS Act final-rule text on/after 2026-07-18."
      },
      "golden_hash": "f64a0283175266a8f360e3a4f60bf623af9e173d5e79ce9d3bc2d1e8773ae355"
    },
    {
      "name": "dual-control-same-identity-both-roles",
      "policy_parameters": {
        "report_month": "2027-05",
        "outstanding_tokens_reported": 100,
        "token_price": 1,
        "issuer_type": "nonbank_state",
        "assets": [
          {
            "type": "demand_deposit",
            "usd": 100,
            "custodian": "JPMorgan Chase"
          }
        ],
        "certifying_officers": [
          {
            "role": "CEO",
            "identity_id": "did:key:z6Mk-demo-samehat"
          },
          {
            "role": "CFO",
            "identity_id": "did:key:z6Mk-demo-samehat"
          }
        ],
        "registered_examiner_named": true,
        "examiner_name": "Grant Thornton LLP"
      },
      "output_payload": {
        "monthly_disclosure_determination": "FAIL",
        "report_month": "2027-05",
        "coverage_ratio_pct": 100,
        "total_reserves_usd": 100,
        "total_liabilities_usd": 100,
        "reserve_shortfall_usd": 0,
        "prohibited_assets_usd": 0,
        "conditional_assets_usd": 0,
        "custody_locations": [
          "JPMorgan Chase"
        ],
        "custody_disclosed": true,
        "ceo_certified": true,
        "cfo_certified": true,
        "dual_control_satisfied": false,
        "gate_policy": "dual_control(2)",
        "registered_examiner_named": true,
        "examiner_name": "Grant Thornton LLP",
        "asset_results": [
          {
            "type": "demand_deposit",
            "usd": 100,
            "pct": 100,
            "custodian": "JPMorgan Chase",
            "eligibility": "permitted",
            "has_fail": false,
            "issues": []
          }
        ],
        "failing_dimensions": [
          {
            "dim": "CEO/CFO certification",
            "detail": "Monthly report requires a dual_control(2) CEO/CFO certification. CEO and CFO certifications must come from two distinct identities.",
            "ref": "GENIUS Act S.394 §4; FDIC NPR 2026-04-10; OCG SPEC.md §27.3 dual_control(2)"
          }
        ],
        "mom_diff": null,
        "onchain_supply_check": {
          "provided": false,
          "onchain_supply": null,
          "reported_outstanding_tokens": 100,
          "match": null,
          "delta": null,
          "note": "User-pasted on-chain supply figure compared numerically against the reported outstanding-tokens field. NOT a live network fetch and NOT a cryptographic verification of the source disclosure PDF (zero-fetch, zero-PII tool)."
        },
        "applicable_deadline": "2027-01-18",
        "regulatory_framework": "GENIUS Act S.394 §4 — Monthly Reserve Composition Report",
        "pdf_extraction_note": "This linter operates on extracted disclosure fields (JSON), not the source PDF filing. It does NOT cryptographically verify the underlying published PDF — PDF-only publishing is the industry gap (see XBRL US comment letters). Successor to the pre-issuance art-06 attestation pre-check; not a substitute for it. Re-verify against GENIUS Act final-rule text on/after 2026-07-18."
      },
      "golden_hash": "6536957a700a83efa1fd444ea2fb6aa538726afa11ac89738d2cdd6596940639"
    }
  ]
}