{
  "$schema": "https://finance.entelekron.org/schemas/bank-payment-control-profile.schema.json",
  "schemaVersion": "1.0.0",
  "controlPlaneId": "tvk-group:entelekron-financial-infrastructure",
  "canonicalAssetId": "tvk-group:tvkusd",
  "profileId": "verified-bank-instruction-prelaunch-v1",
  "status": "prelaunch-locked",
  "effectiveAt": "2026-08-15T01:00:00Z",
  "acceptedEnvironments": [],
  "productionInstructionEndpoint": null,
  "productionProviderCallbackEndpoint": null,
  "approvedBankingProviders": [],
  "supportedRails": [],
  "supportedCurrencies": [],
  "activeBeneficiaryCount": 0,
  "activePaymentInstructionCount": 0,
  "scopeBoundary": {
    "bankAccountOfferedByEnteleKRON": false,
    "customerFundsHeldByThisControlPlane": false,
    "bankingLicenceClaimed": false,
    "providerApprovalInheritedAcrossEntities": false,
    "providerApprovalInheritedAcrossCountries": false,
    "tvkusdBankPaymentActivationPermitted": false
  },
  "requiredBindings": [
    "instruction-id",
    "idempotency-key",
    "canonical-asset-id",
    "environment",
    "legal-entity",
    "jurisdiction-entitlement",
    "banking-provider",
    "payment-rail",
    "source-account-entitlement",
    "beneficiary-id",
    "beneficiary-version",
    "beneficiary-verification-digest",
    "account-name-match-decision",
    "amount",
    "currency",
    "payment-purpose",
    "sanctions-screening-digest",
    "fraud-risk-decision-digest",
    "device-session-risk-digest",
    "amount-limit-decision-digest",
    "velocity-limit-decision-digest",
    "policy-bundle-digest",
    "ledger-order-id",
    "nonce",
    "created-at",
    "expires-at"
  ],
  "beneficiarySafety": {
    "verifiedOwnershipEvidenceRequired": true,
    "accountNameMatchRequired": true,
    "closeMatchRequiresManualReview": true,
    "noMatchDenied": true,
    "unavailableMatchDenied": true,
    "beneficiaryChangeCoolingOffRequired": true,
    "minimumCoolingOffSeconds": 86400,
    "independentOutOfBandConfirmationRequired": true,
    "recycledAccountRiskCheckRequired": true,
    "trustedBeneficiaryMayBypassCurrentChecks": false
  },
  "preflightDecision": {
    "humanReadableReasonCodesRequired": true,
    "safeNextActionRequired": true,
    "maskedDestinationPreviewRequired": true,
    "feesAndArrivalEstimateRequired": true,
    "finalBankProviderConfirmationRequired": true,
    "preflightMayMoveValue": false,
    "staleDecisionAccepted": false,
    "rawBankAccountReturnedToClient": false
  },
  "transactionControls": {
    "screeningAtInstructionCreationRequired": true,
    "screeningRefreshBeforeReleaseRequired": true,
    "fraudRiskDecisionRequired": true,
    "deviceAndSessionRiskRequired": true,
    "stepUpAuthenticationRequired": true,
    "independentApprovalRequired": true,
    "amountLimitDecisionRequired": true,
    "velocityLimitDecisionRequired": true,
    "sourceOfFundsDecisionRequired": true,
    "purposeCodeRequired": true,
    "idempotencyRequired": true,
    "singleUseNonceRequired": true,
    "maximumAuthorizationLifetimeSeconds": 300,
    "amountCurrencyAndBeneficiaryImmutableAfterApproval": true,
    "providerFinalityBeforeLedgerCompletion": true,
    "reconciliationBeforeSuccess": true,
    "automaticRetryMayDuplicateValueMovement": false
  },
  "stateMachine": {
    "currentOperationalState": "disabled",
    "definedStates": [
      "received",
      "beneficiary-verified",
      "cooling-off",
      "preflight-approved",
      "independently-approved",
      "submitted-to-provider",
      "provider-finalized",
      "ledger-posted",
      "reconciled",
      "rejected",
      "expired",
      "suspended",
      "manual-review"
    ],
    "terminalSuccessState": "reconciled",
    "exceptionStates": ["rejected", "expired", "suspended", "manual-review"]
  },
  "privacy": {
    "tokenizedBeneficiaryReferenceRequired": true,
    "maskedAccountDisplayRequired": true,
    "leastPrivilegeAccessRequired": true,
    "retentionScheduleRequired": true,
    "rawBankAccountInPublicEvidencePermitted": false,
    "rawBankAccountInApplicationLogsPermitted": false,
    "rawBankAccountInAnalyticsPermitted": false
  },
  "exceptions": {
    "changedBeneficiaryDuringCoolingOffDenied": true,
    "providerFailureRequiresSuspension": true,
    "mismatchRequiresSuspension": true,
    "correctionRequiresLinkedJournalEntry": true,
    "manualOverrideRequiresIncidentCase": true,
    "urgentPaymentMayAutoBypass": false,
    "manualOverrideMayBypassSanctions": false,
    "manualOverrideMayBypassAccountNameNoMatch": false
  },
  "authority": {
    "aiCanCreateProductionBeneficiary": false,
    "aiCanApprovePayment": false,
    "aiCanReleaseFunds": false,
    "singleOperatorCanCreateAndPayBeneficiary": false,
    "singleOperatorCanRemoveCoolingOff": false,
    "softwareChangeAloneCanActivateBankRail": false
  },
  "notice": "This profile defines a future verified-bank-instruction safety boundary. It does not provide a bank account, approve a provider, hold customer funds or activate a live bank-payment service."
}