Transaction Assessment — MNOB-NEW_DEVICE-002

1. Assessment identity

2. AI trust assessment

3. Feature & context evidence

{}

4. Explainability evidence

Reason codes

TRUST-RSN-003 TRUST-RSN-007 TRUST-RSN-009 TRUST-RSN-011 TRUST-RSN-015

Feature contributions

Human-readable explanation

The model produced risk category LOW, trust score 78.58, and confidence score 1.0. The principal model factors increasing modeled risk were: Device relationship not established. The principal model factors reducing modeled risk were: Established payment corridor, Established customer relationship, Established counterparty relationship. This explanation describes model evidence only and does not constitute an institutional transaction decision.

5. Policy interpretation

6. Reconstructable evidence chain

7. Raw controlled assessment evidence

{
  "amount": null,
  "audit_reference": "AUDIT-MNOB-NEW-DEVICE-002",
  "confidence_score": 1.0,
  "currency": null,
  "explanation": "The model produced risk category LOW, trust score 78.58, and confidence score 1.0. The principal model factors increasing modeled risk were: Device relationship not established. The principal model factors reducing modeled risk were: Established payment corridor, Established customer relationship, Established counterparty relationship. This explanation describes model evidence only and does not constitute an institutional transaction decision.",
  "feature_contributions": [
    {
      "coefficient": 1.1,
      "feature": "DEVICE_NOT_ESTABLISHED"
    },
    {
      "coefficient": -0.35,
      "feature": "ESTABLISHED_CORRIDOR"
    },
    {
      "coefficient": -0.2,
      "feature": "ESTABLISHED_COUNTERPARTY_RELATIONSHIP"
    },
    {
      "coefficient": -0.25,
      "feature": "ESTABLISHED_CUSTOMER_RELATIONSHIP"
    },
    {
      "coefficient": -0.2,
      "feature": "METADATA_COMPLETE"
    }
  ],
  "indicators": [],
  "institution": "Mobile Money B",
  "institution_retains_final_decision": true,
  "model_version": "TRUST-BASELINE-0.1.0",
  "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
  "policy_version": "1.0.0-DEMO",
  "reason_codes": [
    "TRUST-RSN-003",
    "TRUST-RSN-007",
    "TRUST-RSN-009",
    "TRUST-RSN-011",
    "TRUST-RSN-015"
  ],
  "reasons": [
    {
      "coefficient": 1.1,
      "contribution": 1.1,
      "direction": "RISK_INCREASING",
      "explanation": "The supplied context does not establish the device as previously known.",
      "feature": "DEVICE_NOT_ESTABLISHED",
      "label": "Device relationship not established",
      "reason_code": "TRUST-RSN-003"
    },
    {
      "coefficient": -0.35,
      "contribution": -0.35,
      "direction": "RISK_REDUCING",
      "explanation": "The transaction corridor has established observed history.",
      "feature": "ESTABLISHED_CORRIDOR",
      "label": "Established payment corridor",
      "reason_code": "TRUST-RSN-007"
    },
    {
      "coefficient": -0.25,
      "contribution": -0.25,
      "direction": "RISK_REDUCING",
      "explanation": "The customer relationship is established.",
      "feature": "ESTABLISHED_CUSTOMER_RELATIONSHIP",
      "label": "Established customer relationship",
      "reason_code": "TRUST-RSN-009"
    },
    {
      "coefficient": -0.2,
      "contribution": -0.2,
      "direction": "RISK_REDUCING",
      "explanation": "The counterparty relationship is established.",
      "feature": "ESTABLISHED_COUNTERPARTY_RELATIONSHIP",
      "label": "Established counterparty relationship",
      "reason_code": "TRUST-RSN-011"
    },
    {
      "coefficient": -0.2,
      "contribution": -0.2,
      "direction": "RISK_REDUCING",
      "explanation": "The transaction contains a high level of contextual metadata completeness.",
      "feature": "METADATA_COMPLETE",
      "label": "Complete metadata",
      "reason_code": "TRUST-RSN-015"
    }
  ],
  "recommendation": "APPROVE",
  "risk_category": "LOW",
  "risk_increasing_factors": [],
  "risk_probability": 0.214165,
  "risk_reducing_factors": [],
  "scenario": "New Device",
  "sdk_version": "EOI-DEMO-1.0",
  "source_file": "mno-b-new_device.json",
  "transaction_authorization": false,
  "transaction_id": "MNOB-NEW_DEVICE-002",
  "trust_score": 78.58
}

8. Interpretation and limitations

• Controlled synthetic demonstrator assessment.
• Recommendation is advisory only.
• Final transaction authority remains with the participating institution.