{
  "packet_type": "WALLETGOV_CREDIT_OFAC_REVIEW_PACKET",
  "packet_version": "0.1.0",
  "authority_envelope_id": "ARK_WALLET_AUTHORITY_ENVELOPE_SUSPICIOUS_TRANSFER_001",
  "agent_id": "treasury-operations-agent",
  "session_id": "walletgov_credit_ofac_demo_001",
  "requested_action": "approve_vendor_payment_and_extend_credit_limit",
  "transaction": {
    "payment_amount_usd": 48500,
    "payment_rail": "wire",
    "counterparty_handle": "ark.handle.counterparty.vendor_kyc_pending",
    "destination_country_risk": "requires_review",
    "credit_limit_change_usd": 75000
  },
  "evidence_inputs": [
    "vendor_invoice_summary",
    "counterparty_kyc_status",
    "sanctions_screening_snapshot",
    "credit_policy_thresholds",
    "approval_matrix_fragment"
  ],
  "review_targets": [
    {
      "target": "high_value_payment_without_required_approval",
      "status": "REQUIRE_APPROVAL",
      "reason_codes": ["VALUE_THRESHOLD_EXCEEDED", "TREASURY_APPROVAL_MISSING"]
    },
    {
      "target": "ofac_screening_status_not_final",
      "status": "REVIEW_TARGET_IDENTIFIED",
      "reason_codes": ["SANCTIONS_SCREEN_PENDING", "COUNTERPARTY_KYC_INCOMPLETE"]
    },
    {
      "target": "credit_limit_increase_requires_credit_owner",
      "status": "REQUIRE_APPROVAL",
      "reason_codes": ["CREDIT_POLICY_THRESHOLD_EXCEEDED", "CREDIT_OWNER_APPROVAL_MISSING"]
    }
  ],
  "permit_layer_verdict": "REQUIRE_APPROVAL",
  "payment_authorized": false,
  "credit_approved": false,
  "ofac_clearance_confirmed": false,
  "human_handoff_required": true,
  "human_handoff_queue": "finance-compliance-credit-review",
  "allowed_claims": [
    "PAYMENT_REVIEW_TARGET_IDENTIFIED",
    "CREDIT_REVIEW_TARGET_IDENTIFIED",
    "SANCTIONS_SCREENING_EVIDENCE_PRESENT",
    "SANCTIONS_SCREENING_EVIDENCE_INCOMPLETE",
    "HUMAN_APPROVAL_REQUIRED",
    "REPLAY_PACKET_EMITTED"
  ],
  "blocked_claims": [
    "PAYMENT_APPROVED",
    "TRANSFER_AUTHORIZED",
    "CREDIT_APPROVED",
    "OFAC_CLEARED",
    "SANCTIONS_RISK_CLEARED",
    "KYC_COMPLETE",
    "COUNTERPARTY_SAFE",
    "NO_COMPLIANCE_RISK",
    "HUMAN_REVIEW_REPLACED"
  ],
  "zero_operation_receipt": true,
  "funds_moved": false,
  "external_side_effect": false,
  "policy_version": "ark-sovereign-wallet-credit-ofac-policy-v0.1.0",
  "audit_hash": "sha256:walletgov-credit-ofac-review-packet-001",
  "replay_hash": "sha256:walletgov-credit-ofac-demo-replay-001",
  "packet_authorizes_execution": false
}