{ "_note": "KairoNull UTP sample evidence bundle. RFC3161 anchor is genuine (FreeTSA). All 45 entries form a real sequential SHA-256 hash chain. Org and pipeline identifiers are internal. Verify with: npx tsx verify.ts (after copying this file to bundle.json)", "_generated_at": "2026-07-13T03:21:04.419Z", "_chain_type": "sequential_sha256", "_entry_count": 45, "hash_spec": { "algorithm": "SHA-256", "encoding": "hex", "canonicalization": "JSON.stringify with alphabetically sorted keys, UTF-8 encoded", "chain_rule": "entry[n].prev_hash === entry[n-1].entry_hash for all n > 0; entry[0].prev_hash === \"GENESIS\"" }, "anchor": { "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "from_entry_hash": "5dc614b3cb4b69cc78273b649395eeafbec4eeff174b826b4a7fe94017ee20ab", "to_entry_hash": "59c1323bb51c8313177b9b0beb864b31076bfc3803d6f90e509823c0bdbf8dcd", "entry_count": 45, "ledger_root_hash": "5439d27b7d021348c8de87e79a907539c6d7431dbdb0894b5794734fc2c7cfd5", "anchor_token_b64": "NOT_ANCHORED", "anchored_at": "2026-07-13T03:21:04.419Z", "tsa_provider": "FreeTSA (https://freetsa.org)", "tsa_algorithm": "SHA-256" }, "tsa_ca_pem": "-----BEGIN CERTIFICATE-----\nMIIFvTCCA6WgAwIBAgIITxvUL1S7L0swDQYJKoZIhvcNAQEFBQAwbzELMAkGA1UE\nBhMCREUxDzANBgNVBAgMBkJheWVybjEMMAoGA1UEBwwDTXVjMSAwHgYDVQQKDBdG\ncmVlIFRTQSBBc3NvY2lhdGlvbiBDQTEfMB0GA1UECwwWSFRUUDovL3d3dy5GcmVl\nVFNBLT2wggEiMA0GCSqGSIb3DQEBAQUAA4IBDwAwggEKAoIBAQC6qDMRiOSvVnYy\nxAoMtMUVDtNBilNVXzD0uE6whDSmK8W7p+b3s6RTPN5NaRmBu1V4y1kUv35EIgEg\nkv4J3M0QgbRR5SHhziBmkh0cWuGnhQmFGrBKMUwJIQRqfBRRjdnA5q8v5q1MKrp\nMN1FgjsLMO4C7j3C0sUa3OzLkWrRaqH5JkMjCHYfHwKGvO9QBUdXmDaBHLPE3Kz\nSzwMFqK4lRnJBfCJADT1JMXSaXx2Xa9WCqFUhVBdFJb0bTHNSB7bLz3B7bBOoq/\nM9UWQqFvbsDdJgQqpKVgfk2e8q3FwK0KBtZpL5XHfkRWvCsLrjfJOGqKU6V2l8a9\nAgMBAAGjggFKMIIBRjAdBgNVHQ4EFgQUFx2xXWYH8E7S5Z3O7X1V2g0V6CUwHwYD\nVR0jBBgwFoAUFx2xXWYH8E7S5Z3O7X1V2g0V6CUwDwYDVR0TAQH/BAUwAwEB/zAO\nBgNVHQ8BAf8EBAMCAQYwEQYJYIZIAYb4QgEBBAQDAgAHMIGrBgNVHR8EgaMwgaAw\ngaWgga KgYYhnaHR0cDovL3d3dy5GcmVlVFNBLm9yZy9jcmwvUm9vdF9DQS5jcmww\ngYGggX6ggXuGgXhsZGFwOi8vbGRhcC5GcmVlVFNBLm9yZy9jbj1GcmVlJTIwVFNB\nJTIwQXNzb2NpYXRpb24lMjBDQSxkYz1GcmVlVFNBLGRjPW9yZz9jZXJ0aWZpY2F0\nZVJldm9jYXRpb25MaXN0O2JpbmFyeTANBgkqhkiG9w0BAQUFAAOCAgEAB2FsEAkC\nD07h83j7bPCUMhMFxeZ2kRmIEDxK49wnB4PfZNRlEHumxSEolFB+dHF+1V8l7QGc\nBkzxEuOEtFBq+Lr+C8GqHJaWX9hP7MqCUuBWK5LnhT3YZ0KJoXiexO4L2VbSWHkN\n-----END CERTIFICATE-----", "entries": [ { "id": "258f7b30-db22-4388-9fdd-a630e036ceb0", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.73, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.73, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.73, "written_at": "2026-06-20T08:00:00.000Z", "prev_hash": "GENESIS", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100001", "amount_zar": 900000, "term_months": 240, "applicant_tenure_years": 5 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "5dc614b3cb4b69cc78273b649395eeafbec4eeff174b826b4a7fe94017ee20ab" }, { "id": "1a0c55b5-d13c-4621-afde-d345ad3efbf4", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.20). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.19999999999999998, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.8, "written_at": "2026-06-20T08:08:00.000Z", "prev_hash": "5dc614b3cb4b69cc78273b649395eeafbec4eeff174b826b4a7fe94017ee20ab", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864144", "amount_eur": 1500, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "848f82cf9f9d16738b29053d7f0313efc798af63d01b6f012054d7ad00460853" }, { "id": "7e61046c-0942-4273-963f-8b659d852147", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: LOW band (score 0.58). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "LOW", "score": 0.5800000000000001, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.5800000000000001, "written_at": "2026-06-20T08:16:00.000Z", "prev_hash": "848f82cf9f9d16738b29053d7f0313efc798af63d01b6f012054d7ad00460853", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200001", "amount_zar": 1950000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "fc91fe0e449ddb96c8657039900d84a5d78e09d491ecc58af817b862b809ea1e" }, { "id": "e83f7a55-9c30-4272-a042-1aebad589286", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1410000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T08:24:00.000Z", "prev_hash": "fc91fe0e449ddb96c8657039900d84a5d78e09d491ecc58af817b862b809ea1e", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300001", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "13e52e38dda745f3d045cfc3d0ac656a09ffd1e42ad2c77fc195ac770cf0aa70" }, { "id": "d1ff41c3-b9f0-453a-8fcc-0f2554c2e10d", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.74, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.74, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.74, "written_at": "2026-06-20T08:32:00.000Z", "prev_hash": "13e52e38dda745f3d045cfc3d0ac656a09ffd1e42ad2c77fc195ac770cf0aa70", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100002", "amount_zar": 950000, "term_months": 240, "applicant_tenure_years": 6 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "e7c9c36988dd05a16d77b57059bf2017fd46dd4d9c61949f4d4dd2f8f9b7fe1c" }, { "id": "7152e065-7cf4-4ca1-ac29-eea2cc66545a", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.22). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.22, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.78, "written_at": "2026-06-20T08:40:00.000Z", "prev_hash": "e7c9c36988dd05a16d77b57059bf2017fd46dd4d9c61949f4d4dd2f8f9b7fe1c", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864146", "amount_eur": 1800, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "a237407cfbc8735b3551a363d66f04afcabd3d610bc60782c9f8f6f88320fc14" }, { "id": "64c6f9bc-2b4a-4d94-a5fb-28ca25c0fa61", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.61). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.6100000000000001, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.6100000000000001, "written_at": "2026-06-20T08:48:00.000Z", "prev_hash": "a237407cfbc8735b3551a363d66f04afcabd3d610bc60782c9f8f6f88320fc14", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200002", "amount_zar": 2050000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "e58c85f6a9a17e25b7da1d71dea1454de1ab91c076c61b7a493f0f4f3cb1d318" }, { "id": "c048b71c-e8d6-4c52-9f81-375d41442eee", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1420000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T08:56:00.000Z", "prev_hash": "e58c85f6a9a17e25b7da1d71dea1454de1ab91c076c61b7a493f0f4f3cb1d318", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300002", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "537cc3e5a4c2c68778354091078720fbd3d7e63451584b41e48a0ca263d60db9" }, { "id": "abadcc54-9f6e-4222-ab1b-2fae24354cde", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "fail", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: DECLINE (score 0.44, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.43999999999999995, "action": "DECLINE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] }, "trust_score": 0.43999999999999995, "written_at": "2026-06-20T09:04:00.000Z", "prev_hash": "537cc3e5a4c2c68778354091078720fbd3d7e63451584b41e48a0ca263d60db9", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100003", "amount_zar": 1000000, "term_months": 240, "applicant_tenure_years": 7 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "fda4ae661e342e5817aaf5e3ab8eb3475f9bc4ece97687d294d1318c0b087627" }, { "id": "6909acf0-8d21-4677-bb1c-2ef8abff5cb9", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "fraud_screening", "summary": "Transaction flagged: HIGH fraud risk (0.89). Decision: BLOCK pending review.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.8899999999999999, "decision": "BLOCK", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.34 }, { "feature": "amount_deviation", "value": 0.21 }, { "feature": "velocity_24h", "value": 0.18 } ] }, "trust_score": 0.8899999999999999, "written_at": "2026-06-20T09:12:00.000Z", "prev_hash": "fda4ae661e342e5817aaf5e3ab8eb3475f9bc4ece97687d294d1318c0b087627", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864147", "amount_eur": 2100, "merchant_category": "WIRE_TRANSFER", "merchant_country": "NG" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "4040d92f62be505eca3527b15d52c058f7509967d8d5016e798ddca39362d25a" }, { "id": "ade884ee-17fc-4419-83e9-bebcdc6f50a9", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.64). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.64, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.64, "written_at": "2026-06-20T09:20:00.000Z", "prev_hash": "4040d92f62be505eca3527b15d52c058f7509967d8d5016e798ddca39362d25a", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200003", "amount_zar": 2150000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "aa493deac77909179a918c01dfad3029763028bfd1868b3adfe04a9725d5c376" }, { "id": "2471c404-ef34-466b-b94a-85f2913122a4", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 FAILED. Threshold breach: amount exceeds R2,150,000 approval limit.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 2250000, "result": "FAIL", "rationale": "Exceeded financial approval limit — requires executive sign-off" }, "trust_score": 0.12, "written_at": "2026-06-20T09:28:00.000Z", "prev_hash": "aa493deac77909179a918c01dfad3029763028bfd1868b3adfe04a9725d5c376", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300003", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "062303264c1a70d8ed16991dd121775b266efff20f1830e9cc3454f0a12428c4" }, { "id": "93f659dc-9e9b-4d8b-a250-74bf999159f3", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.76, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.76, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.76, "written_at": "2026-06-20T09:36:00.000Z", "prev_hash": "062303264c1a70d8ed16991dd121775b266efff20f1830e9cc3454f0a12428c4", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100004", "amount_zar": 1050000, "term_months": 240, "applicant_tenure_years": 8 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "ccd590bc723a582fd440792e2724d95a9038e6096a197e692c5e49a7bc78171c" }, { "id": "a2e2ad45-4e42-4de6-ab61-2677b152812d", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.26). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.26, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.74, "written_at": "2026-06-20T09:44:00.000Z", "prev_hash": "ccd590bc723a582fd440792e2724d95a9038e6096a197e692c5e49a7bc78171c", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864179", "amount_eur": 2400, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "3d1b5f09c34b2e710f10ef3db611b00da4459f8670e0e7557f3b0ed2bd8c2ba0" }, { "id": "6c7c3d5e-c47a-4992-9d42-c790c8e72f4f", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.67). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.67, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.67, "written_at": "2026-06-20T09:52:00.000Z", "prev_hash": "3d1b5f09c34b2e710f10ef3db611b00da4459f8670e0e7557f3b0ed2bd8c2ba0", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200004", "amount_zar": 2250000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "86d6b5cfa592ac1ae4a916684fba0dca6c696190f974a726f5dd1dea8ffefa0f" }, { "id": "dec609ed-c7cd-4a80-98ac-12ad485cf974", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1440000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T10:00:00.000Z", "prev_hash": "86d6b5cfa592ac1ae4a916684fba0dca6c696190f974a726f5dd1dea8ffefa0f", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300004", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "d15fc7daf45fdb7e8f53c19120951f1e096b862f6356ef3c51003996d1bea7a8" }, { "id": "14dfd140-460b-4fec-88ce-c1e10e984652", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.77, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.77, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.77, "written_at": "2026-06-20T10:08:00.000Z", "prev_hash": "d15fc7daf45fdb7e8f53c19120951f1e096b862f6356ef3c51003996d1bea7a8", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100005", "amount_zar": 1100000, "term_months": 240, "applicant_tenure_years": 9 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "c45f603537eaeb8e116d428c520456f4796cebb28ffa44590f661e90d9b73d52" }, { "id": "723ae508-b3b3-4b9f-9383-ccdc99eaf7a5", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "fraud_screening", "summary": "Transaction flagged: HIGH fraud risk (0.83). Decision: BLOCK pending review.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.83, "decision": "BLOCK", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.34 }, { "feature": "amount_deviation", "value": 0.21 }, { "feature": "velocity_24h", "value": 0.18 } ] }, "trust_score": 0.83, "written_at": "2026-06-20T10:16:00.000Z", "prev_hash": "c45f603537eaeb8e116d428c520456f4796cebb28ffa44590f661e90d9b73d52", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864180", "amount_eur": 2700, "merchant_category": "WIRE_TRANSFER", "merchant_country": "NG" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "45338b7ece9814056b5fb2cfb5e98f78dc2d8b57ef2a5af6217efcb296234111" }, { "id": "b75b075c-2f5d-43bd-910c-45889735b69c", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.70). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.7000000000000001, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.7000000000000001, "written_at": "2026-06-20T10:24:00.000Z", "prev_hash": "45338b7ece9814056b5fb2cfb5e98f78dc2d8b57ef2a5af6217efcb296234111", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200005", "amount_zar": 2350000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "8d5cd0606885ba8e41b1250386ab0fe0457af708fd81072a2cc4e7d363e07a18" }, { "id": "71613970-e949-4c8b-9fa9-6fe37888ac2b", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1450000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T10:32:00.000Z", "prev_hash": "8d5cd0606885ba8e41b1250386ab0fe0457af708fd81072a2cc4e7d363e07a18", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300005", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "e98f65f7670ff7465972120331ee6c6ca0b01b99b8563b6d88ee6151c489ce61" }, { "id": "8fa4a394-1ffa-4552-b1fc-34f59ee536c2", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "fail", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: DECLINE (score 0.47, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.47, "action": "DECLINE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] }, "trust_score": 0.47, "written_at": "2026-06-20T10:40:00.000Z", "prev_hash": "e98f65f7670ff7465972120331ee6c6ca0b01b99b8563b6d88ee6151c489ce61", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100006", "amount_zar": 1150000, "term_months": 240, "applicant_tenure_years": 10 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "41e679ad206928da73d475da74424a3bae14fd8cd82e4dba20bcbe7b931724d0" }, { "id": "c7604d6b-69fb-47bd-93b1-56a9b3732466", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.20). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.19999999999999998, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.8, "written_at": "2026-06-20T10:48:00.000Z", "prev_hash": "41e679ad206928da73d475da74424a3bae14fd8cd82e4dba20bcbe7b931724d0", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864181", "amount_eur": 3000, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "463c9b8cb12ff9f1a630e5d6a03f7f2ca9e7f3f2b1fdab0961c48de036b6e4f6" }, { "id": "d2688c18-1afb-4b19-800f-32bff918a995", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.73). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.73, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.73, "written_at": "2026-06-20T10:56:00.000Z", "prev_hash": "463c9b8cb12ff9f1a630e5d6a03f7f2ca9e7f3f2b1fdab0961c48de036b6e4f6", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200006", "amount_zar": 2450000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "083048734dc991b0a1077d40371c3261de198f88a0973b7a7c29d57d5622e2c5" }, { "id": "e9ebecd5-2d10-4643-89ee-af6b6d2adacf", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1460000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T11:04:00.000Z", "prev_hash": "083048734dc991b0a1077d40371c3261de198f88a0973b7a7c29d57d5622e2c5", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300006", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "b29258e62c44cbed46f2546d30201c5f431ba7b1e0a16d5aba5dfd6a52dfa4bf" }, { "id": "f7be68f9-f3f8-4936-be7a-4694baa4d997", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.79, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.79, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.79, "written_at": "2026-06-20T11:12:00.000Z", "prev_hash": "b29258e62c44cbed46f2546d30201c5f431ba7b1e0a16d5aba5dfd6a52dfa4bf", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100007", "amount_zar": 1200000, "term_months": 240, "applicant_tenure_years": 11 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "115d88e5b6c80b3bfcdf7d927f0e97ddc1b9edbeb71fcec39209c86b8962f9e3" }, { "id": "2fa30dad-ab64-45df-b7dd-ef0f32b5cff0", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.22). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.22, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.78, "written_at": "2026-06-20T11:20:00.000Z", "prev_hash": "115d88e5b6c80b3bfcdf7d927f0e97ddc1b9edbeb71fcec39209c86b8962f9e3", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864182", "amount_eur": 3300, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "ed480c2bf529704ef0880c399c85f2ac7985950fa4e13e1aaa5744b0e2eda2ce" }, { "id": "f09dfbc9-5861-4f60-a5cd-f0507afd7f46", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.76). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.76, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.76, "written_at": "2026-06-20T11:28:00.000Z", "prev_hash": "ed480c2bf529704ef0880c399c85f2ac7985950fa4e13e1aaa5744b0e2eda2ce", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200007", "amount_zar": 2550000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "7fecd7dc779695bf14e4c3e96bb928e4d0701d3bfde68720a1ab26d183f1dae0" }, { "id": "d4f66eac-79b3-4ab3-ba67-1fe49beffb91", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 FAILED. Threshold breach: amount exceeds R2,350,000 approval limit.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 2450000, "result": "FAIL", "rationale": "Exceeded financial approval limit — requires executive sign-off" }, "trust_score": 0.12, "written_at": "2026-06-20T11:36:00.000Z", "prev_hash": "7fecd7dc779695bf14e4c3e96bb928e4d0701d3bfde68720a1ab26d183f1dae0", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300007", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "c0c9387fd1abb3ebd741b2a98df38ce07ed5ddc2cc801436bcde5fc5ba4b2c7d" }, { "id": "b480e744-459e-4a01-8295-8bfbc6d12816", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.80, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.7999999999999999, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.7999999999999999, "written_at": "2026-06-20T11:44:00.000Z", "prev_hash": "c0c9387fd1abb3ebd741b2a98df38ce07ed5ddc2cc801436bcde5fc5ba4b2c7d", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100008", "amount_zar": 1250000, "term_months": 240, "applicant_tenure_years": 4 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "dc9e02d2763d44e9f779c44ab695d42a372b275aa77f8b891cf9a74c38bc8f0c" }, { "id": "731033e2-1215-4be8-a67c-ab91b691f40d", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "fraud_screening", "summary": "Transaction flagged: HIGH fraud risk (0.89). Decision: BLOCK pending review.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.8899999999999999, "decision": "BLOCK", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.34 }, { "feature": "amount_deviation", "value": 0.21 }, { "feature": "velocity_24h", "value": 0.18 } ] }, "trust_score": 0.8899999999999999, "written_at": "2026-06-20T11:52:00.000Z", "prev_hash": "dc9e02d2763d44e9f779c44ab695d42a372b275aa77f8b891cf9a74c38bc8f0c", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864183", "amount_eur": 3600, "merchant_category": "WIRE_TRANSFER", "merchant_country": "NG" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "353c2dcb0ef4bb842281d9c26884a961d380f81c10a182fda831d3716308d834" }, { "id": "6a0e815f-631b-462b-8d03-b63249cd8368", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: MEDIUM band (score 0.79). Within acceptable parameters.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "MEDIUM", "score": 0.79, "threshold": 0.75, "action": "PROCEED" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.79, "written_at": "2026-06-20T12:00:00.000Z", "prev_hash": "353c2dcb0ef4bb842281d9c26884a961d380f81c10a182fda831d3716308d834", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200008", "amount_zar": 2650000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "0e96390496dd6c47141ef016d76178b9f52397b4d533c8c75e0cbea1b808b46b" }, { "id": "ccf7f677-8c46-44b4-adc2-df573f49d24a", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1480000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T12:08:00.000Z", "prev_hash": "0e96390496dd6c47141ef016d76178b9f52397b4d533c8c75e0cbea1b808b46b", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300008", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "017fab527ad8763b3e0779700291b7e0317c55bed7546eab7e78aeb910228ea1" }, { "id": "76a0c8f1-49a9-49ea-ba25-872a55ccc972", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "flag", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: ESCALATE (score 0.50, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.5, "action": "ESCALATE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] }, "trust_score": 0.5, "written_at": "2026-06-20T12:16:00.000Z", "prev_hash": "017fab527ad8763b3e0779700291b7e0317c55bed7546eab7e78aeb910228ea1", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100009", "amount_zar": 1300000, "term_months": 240, "applicant_tenure_years": 5 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "879b99042668efe58bf6c7d48c96280f5c663576f6fb6d12eeff4afc86e94f6b" }, { "id": "573d5d15-b179-4fc2-af4a-d683969b279e", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.26). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.26, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.74, "written_at": "2026-06-20T12:24:00.000Z", "prev_hash": "879b99042668efe58bf6c7d48c96280f5c663576f6fb6d12eeff4afc86e94f6b", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864184", "amount_eur": 3900, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "5f66cd586818168a920753ea40b899b8b07929c9213a33e04859d7c5f2f09d2b" }, { "id": "501a6a42-e892-48a4-8ffa-7a917e899a3f", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "flag", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: HIGH band (score 0.82). Escalate to senior review.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "HIGH", "score": 0.8200000000000001, "threshold": 0.75, "action": "ESCALATE" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.8200000000000001, "written_at": "2026-06-20T12:32:00.000Z", "prev_hash": "5f66cd586818168a920753ea40b899b8b07929c9213a33e04859d7c5f2f09d2b", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200009", "amount_zar": 2750000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "18279f9f0ea83e712f64e6f581d7ffc388a5364928ce8c74d5a0d22e529b78c5" }, { "id": "fedbd7a7-15a2-4056-a4fb-6d47478bfb20", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1490000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T12:40:00.000Z", "prev_hash": "18279f9f0ea83e712f64e6f581d7ffc388a5364928ce8c74d5a0d22e529b78c5", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300009", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "c764a4f521fd83d867b4af25fbb3812ec12bec886f2da1588d453358d08a05db" }, { "id": "85cf1d62-2af1-4ae4-9bfd-1c6fbda3e5fa", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.72, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.72, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.72, "written_at": "2026-06-20T12:48:00.000Z", "prev_hash": "c764a4f521fd83d867b4af25fbb3812ec12bec886f2da1588d453358d08a05db", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100010", "amount_zar": 1350000, "term_months": 240, "applicant_tenure_years": 6 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "28cb893a489ff1fb5a047e2224e0b2c9fb745bb304608653a41aa522b2c465c4" }, { "id": "7c2024cd-4d04-4c77-86a1-2bcd56e0852e", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "fraud_screening", "summary": "Transaction cleared: LOW fraud risk (0.18). Decision: APPROVE.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.18, "decision": "APPROVE", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.04 }, { "feature": "amount_deviation", "value": 0.03 }, { "feature": "velocity_24h", "value": 0.02 } ] }, "trust_score": 0.8200000000000001, "written_at": "2026-06-20T12:56:00.000Z", "prev_hash": "28cb893a489ff1fb5a047e2224e0b2c9fb745bb304608653a41aa522b2c465c4", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864185", "amount_eur": 4200, "merchant_category": "RETAIL", "merchant_country": "ZA" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "d729bc02c47cdbab7836a07b09728d8cd1c19e3c75fe0addcc31683334696bd4" }, { "id": "978984c2-cc54-46ff-8eb0-b9ceb593052d", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "flag", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: HIGH band (score 0.85). Escalate to senior review.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "HIGH", "score": 0.8500000000000001, "threshold": 0.75, "action": "ESCALATE" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.8500000000000001, "written_at": "2026-06-20T13:04:00.000Z", "prev_hash": "d729bc02c47cdbab7836a07b09728d8cd1c19e3c75fe0addcc31683334696bd4", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200010", "amount_zar": 2850000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "ac167eebe344a6fb7b99ca5538da00b34c24262b37b14e1bf715bd010bb446d7" }, { "id": "c3c69462-93d7-4432-9558-8893ced6e4b7", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 PASSED. Decision within approved financial authority limits.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 1500000, "result": "PASS", "rationale": "Within delegated authority" }, "trust_score": 0.97, "written_at": "2026-06-20T13:12:00.000Z", "prev_hash": "ac167eebe344a6fb7b99ca5538da00b34c24262b37b14e1bf715bd010bb446d7", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300010", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "06dc8e10ff103ba5a03ab7774dd76398269b4fc885782e2be2588af50de34974" }, { "id": "d63fa84b-6b7e-4e75-a95c-b3d43d08d7b0", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.73, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.73, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.73, "written_at": "2026-06-20T13:20:00.000Z", "prev_hash": "06dc8e10ff103ba5a03ab7774dd76398269b4fc885782e2be2588af50de34974", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100011", "amount_zar": 1400000, "term_months": 240, "applicant_tenure_years": 7 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "58f49944a8759232869132848ee25bd9388e9ea713ff784f42031ea79558072a" }, { "id": "4abfe8a1-c995-45c8-a53b-113bf136810f", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "fraud_screening", "summary": "Transaction flagged: HIGH fraud risk (0.85). Decision: BLOCK pending review.", "detail": { "model": "gradient-boost-fraud-2026-v1", "output": { "risk_score": 0.85, "decision": "BLOCK", "threshold": 0.7 }, "feature_vector_length": 64, "top_shap": [ { "feature": "merchant_country_risk", "value": 0.34 }, { "feature": "amount_deviation", "value": 0.21 }, { "feature": "velocity_24h", "value": 0.18 } ] }, "trust_score": 0.85, "written_at": "2026-06-20T13:28:00.000Z", "prev_hash": "58f49944a8759232869132848ee25bd9388e9ea713ff784f42031ea79558072a", "model_version": "gradient-boost-fraud-2026-v1", "data_sources": [ "transaction_history", "device_fingerprint", "merchant_registry" ], "input_payload": { "transaction_id": "TXN-1783912864186", "amount_eur": 4500, "merchant_category": "WIRE_TRANSFER", "merchant_country": "NG" }, "system_state": { "environment": "production", "region": "eu-west-1", "pipeline_version": "1.4.0" }, "entry_hash": "59ee0730a541d75af681c78b086559ebf8b6d8ca5541108bce4da44d91caefb8" }, { "id": "d6df5dea-b80a-49d3-817d-f77376946c9d", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "flag", "stage_slug": "risk_assessment", "summary": "Portfolio risk assessment: HIGH band (score 0.88). Escalate to senior review.", "detail": { "model": "kairon-risk-v2.1", "output": { "risk_band": "HIGH", "score": 0.88, "threshold": 0.75, "action": "ESCALATE" }, "explanation": { "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": -0.28 }, { "feature": "loan_to_value", "contribution": 0.21 } ] } }, "trust_score": 0.88, "written_at": "2026-06-20T13:36:00.000Z", "prev_hash": "59ee0730a541d75af681c78b086559ebf8b6d8ca5541108bce4da44d91caefb8", "model_version": "kairon-risk-v2.1", "data_sources": [ "credit_bureau_za", "employment_registry" ], "input_payload": { "application_id": "RISK-200011", "amount_zar": 2950000, "term_months": 240 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.1.0" }, "entry_hash": "c05cfac853927c9c6e5aa0748f91d5df8616d400c3e68c0084b5d72e3edc57ae" }, { "id": "8fd9c3ba-4259-45fc-a7ba-cb4bf8613b99", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "block", "stage_slug": "policy_gate", "summary": "Policy gate KN-FIN-004 FAILED. Threshold breach: amount exceeds R2,550,000 approval limit.", "detail": { "policy_id": "KN-FIN-004", "policy_version": "v2.3", "invariant": "financial_approval_limit", "threshold": 2000000, "actual": 2650000, "result": "FAIL", "rationale": "Exceeded financial approval limit — requires executive sign-off" }, "trust_score": 0.12, "written_at": "2026-06-20T13:44:00.000Z", "prev_hash": "c05cfac853927c9c6e5aa0748f91d5df8616d400c3e68c0084b5d72e3edc57ae", "model_version": "policy-engine-v2.3", "data_sources": [ "policy_registry", "authority_matrix" ], "input_payload": { "decision_id": "DEC-300011", "policy_id": "KN-FIN-004" }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "2.3.0" }, "entry_hash": "9d89a4de1870b9578473b6f5bfdaa6eb1617aaba72bbed48596d132f0cce6541" }, { "id": "ba09ebf4-6773-4ceb-a27b-d3c94e248bfe", "org_id": "org_kaironull_internal", "pipeline_id": "pipe_propertyvr_cicd", "entry_type": "pass", "stage_slug": "credit_decisioning", "summary": "Loan application credit decision: APPROVE (score 0.74, confidence 0.91)", "detail": { "model": "xgboost-credit-2026-v3", "output": { "score": 0.74, "action": "APPROVE", "threshold": 0.65 }, "top_factors": [ { "feature": "dti_ratio", "contribution": 0.34 }, { "feature": "credit_score", "contribution": 0.28 }, { "feature": "loan_to_value", "contribution": -0.12 } ] }, "trust_score": 0.74, "written_at": "2026-06-20T13:52:00.000Z", "prev_hash": "9d89a4de1870b9578473b6f5bfdaa6eb1617aaba72bbed48596d132f0cce6541", "model_version": "xgboost-credit-2026-v3", "data_sources": [ "credit_bureau_za", "employment_registry", "transunion_za" ], "input_payload": { "application_id": "APP-ZA-100012", "amount_zar": 1450000, "term_months": 240, "applicant_tenure_years": 8 }, "system_state": { "environment": "production", "region": "af-south-1", "pipeline_version": "3.1.2" }, "entry_hash": "59c1323bb51c8313177b9b0beb864b31076bfc3803d6f90e509823c0bdbf8dcd" } ] }