Transaction Assessment — MNOB-NORMAL-001

1. Assessment identity

2. AI trust assessment

3. Feature & context evidence

{}

4. Explainability evidence

Reason codes

TRUST-RSN-004 TRUST-RSN-007 TRUST-RSN-009 TRUST-RSN-011 TRUST-RSN-013 TRUST-RSN-015

Feature contributions

Human-readable explanation

The model produced risk category LOW, trust score 96.77, and confidence score 1.0. The principal model factors reducing modeled risk were: Strong authentication, Established device relationship, Established payment corridor. 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-NORMAL-001",
  "confidence_score": 1.0,
  "currency": null,
  "explanation": "The model produced risk category LOW, trust score 96.77, and confidence score 1.0. The principal model factors reducing modeled risk were: Strong authentication, Established device relationship, Established payment corridor. This explanation describes model evidence only and does not constitute an institutional transaction decision.",
  "feature_contributions": [
    {
      "coefficient": -0.35,
      "feature": "ESTABLISHED_CORRIDOR"
    },
    {
      "coefficient": -0.2,
      "feature": "ESTABLISHED_COUNTERPARTY_RELATIONSHIP"
    },
    {
      "coefficient": -0.25,
      "feature": "ESTABLISHED_CUSTOMER_RELATIONSHIP"
    },
    {
      "coefficient": -0.45,
      "feature": "ESTABLISHED_DEVICE"
    },
    {
      "coefficient": -0.2,
      "feature": "METADATA_COMPLETE"
    },
    {
      "coefficient": -0.55,
      "feature": "STRONG_AUTHENTICATION"
    }
  ],
  "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-004",
    "TRUST-RSN-007",
    "TRUST-RSN-009",
    "TRUST-RSN-011",
    "TRUST-RSN-013",
    "TRUST-RSN-015"
  ],
  "reasons": [
    {
      "coefficient": -0.45,
      "contribution": -0.45,
      "direction": "RISK_REDUCING",
      "explanation": "The supplied context identifies the device as established.",
      "feature": "ESTABLISHED_DEVICE",
      "label": "Established device relationship",
      "reason_code": "TRUST-RSN-004"
    },
    {
      "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": -0.55,
      "contribution": -0.55,
      "direction": "RISK_REDUCING",
      "explanation": "The supplied authentication context indicates strong assurance.",
      "feature": "STRONG_AUTHENTICATION",
      "label": "Strong authentication",
      "reason_code": "TRUST-RSN-013"
    },
    {
      "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": 0.032295,
  "risk_reducing_factors": [],
  "scenario": "Normal Transaction",
  "sdk_version": "EOI-DEMO-1.0",
  "source_file": "mno-b-normal.json",
  "transaction_authorization": false,
  "transaction_id": "MNOB-NORMAL-001",
  "trust_score": 96.77
}

8. Interpretation and limitations

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