StableKYA · Examiner export
| Obligation | Type | Verdict | Implements | Rationale |
|---|---|---|---|---|
| ▢ Resolve principal | gate · code | PASS | 31 CFR 1010.230 | Agent DID did:web:treasury.example:claude-wallet-7 resolves to verified principal Meridian Holdings LLC (US-DE). |
| ▢ OFAC sanctions screening | gate · code | BLOCK | 31 CFR Part 501; EO 13224 | Sanctions hit: beneficiary or originator matched the OFAC SDN list. Transaction must be blocked and reported. |
| ◯ Suspicious-activity monitoring | monitor · code | BLOCK | 31 CFR 1010.320 | Sanctions match — funds with no permissible purpose. |
| ▢ Capability / policy envelope | gate · code | BLOCK | GENIUS Act §6 (authorized agents / spending policy) | Counterparty not permitted (sanctions/verification). |
| ▢ Solvency / reservable funds | gate · code | PASS | GENIUS Act §4 (reserve backing) | Reservable funds 14320.55 USDC cover the 18.5 USDC intent (headroom 14302.05); issuer balance-lock holds for the intent. Source: issuer reserve attestation (issuer balance-lock (custody-signed)). |
| ◇ Travel Rule originator/beneficiary | obligation · policy | PASS | 31 CFR 1010.410(f) | Originator and beneficiary identifying information present and attached to the transmittal record. |
| ◇ Receipt & recordkeeping | obligation · code | PASS | 31 CFR 1010.430 | ACK-Pay Verifiable Receipt ackpay:rcpt:01J9Z3X8Q2 retained with the transaction record; retrievable on request. |
OFAC SANCTIONS SCREENING — TRACE RECORD
======================================================
Generated: 2026-06-02T15:41:09.798Z
Result: BLOCK Action: BLOCK and report (transaction must not settle; SAR + OFAC report)
Implements: 31 CFR Part 501; EO 13224 | NCCoE Concept Paper (2026-02-05), Pillar 4 — Logging & Transparency | 31 CFR 1010.430
SUBJECT
Agent DID: did:web:treasury.example:claude-wallet-7
Principal: Meridian Holdings LLC (US-DE), verified=true
TRANSACTION
Network: Arc testnet (chainId 5042002) [source: fixture]
Hash: 0x12c007b0a3cedb13d52d759c14e6b21c2c43e5b73007dfcc47970a8b655f7ed0
When: 2026-06-01T15:10:49.000Z
Amount: 18.5 USDC
Originator: 0x15c1d7b3ddeee0158b068e2f05260b84fe7b892c
Beneficiary:0x722122df12d4e14e13ac3b6895a86e84145b6967
Explorer: https://testnet.arcscan.app/tx/0x12c007b0a3cedb13d52d759c14e6b21c2c43e5b73007dfcc47970a8b655f7ed0
SCREENING
Primary (Circle): configured=false
beneficiary: {"skipped":"no CIRCLE_API_KEY configured"}
originator: {"skipped":"no CIRCLE_API_KEY configured"}
Independent cross-check (OFAC SDN — Digital Currency Address):
source: OpenSanctions us_ofac_sdn (targets.simple.csv)
beneficiary match=true, originator match=false
REASONING TRACE
1. Resolved subject agent did:web:treasury.example:claude-wallet-7 to principal Meridian Holdings LLC (US-DE).
2. Extracted originator 0x15c1d7b3ddeee0158b068e2f05260b84fe7b892c and beneficiary 0x722122df12d4e14e13ac3b6895a86e84145b6967 from Arc testnet tx 0x12c007b0a3cedb13d52d759c14e6b21c2c43e5b73007dfcc47970a8b655f7ed0.
3. Primary screen (Circle Compliance Engine) not configured — recorded as degraded; relied on independent OFAC SDN cross-check.
4. Independent cross-check (OFAC SDN digital-currency addresses, OpenSanctions us_ofac_sdn (targets.simple.csv)): beneficiary match=true, originator match=false.
5. Determination: BLOCK.
FinCEN SUSPICIOUS ACTIVITY REPORT — NARRATIVE BUNDLE ====================================================== Generated: 2026-06-02T15:41:09.798Z Filing decision: SAR RECOMMENDED — file with FinCEN Implements: 31 CFR 1010.320 | FFIEC BSA/AML Manual — Suspicious Activity Reporting | 31 CFR 1010.520 | 31 CFR 1010.430 | NCCoE Concept Paper (2026-02-05), Pillar 4 — Logging & Transparency PART I — SUBJECT Agent: Claude-Wallet-7 — treasury agent (did:web:treasury.example:claude-wallet-7) Principal: Meridian Holdings LLC (US-DE), verified=true Wallet: 0x15c1d7b3ddeee0158b068e2f05260b84fe7b892c PART II — SUSPICIOUS ACTIVITY Amount/instrument: 18.5 USDC (stablecoin) Network/date: Arc testnet / 2026-06-01T15:10:49.000Z OFAC / AML: BLOCK / BLOCK Indicators: Sanctions match — funds with no permissible purpose. PART V — NARRATIVE (who / what / when / where / why / how) Subject is autonomous treasury agent "Claude-Wallet-7 — treasury agent" (DID did:web:treasury.example:claude-wallet-7), operating under verified principal Meridian Holdings LLC, organized in US-DE. Agent reputation at time of transaction: 87/100 across 142 attestations (asserted; not yet sourced from an issuer registry). $18.50 in USDC transferred on Arc testnet. Beneficiary address matched the OFAC SDN list; the transfer was blocked at the policy/enforcement layer. Transaction occurred 2026-06-01T15:10:49.000Z (block 45005243). Screening and decision recorded 2026-06-02T15:41:09.798Z. On-chain on Arc testnet (chainId 5042002). Originator wallet 0x15c1d7b3ddeee0158b068e2f05260b84fe7b892c; beneficiary wallet 0x722122df12d4e14e13ac3b6895a86e84145b6967. Explorer: https://testnet.arcscan.app/tx/0x12c007b0a3cedb13d52d759c14e6b21c2c43e5b73007dfcc47970a8b655f7ed0. The beneficiary is a sanctioned party; dealing in the funds has no permissible purpose (31 CFR Part 501). Payment initiated by an AI agent via an agent-commerce payment flow (USDC, ACK-Pay receipt ackpay:rcpt:01J9Z3X8Q2). Authority derived from a standing policy envelope: per-counterparty daily cap $50.00, reputation threshold 80, allow-listed=true, standing authorization=true. §314(a) SHARING Subject records are indexed by agent DID and originator wallet and are searchable for §314(a) requests.