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test-000027
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 0.176666 USDC on the eip155:84532 network, which is within the allowed asset and amount limits. The payer and payee are both verified, with valid attestations from a trusted attester (0xB50EC51d48619B5b0B9f8db91c313bBc...
test-000004
{ "decision": "hold", "risk_level": "high", "flags": [ "mixer_exposure" ], "explanation": "The payment involves a high-risk flag ('mixer_exposure') from the payee's attestation, which was provided by a trusted attester. Although the payee is not sanctioned and the attestation is valid and within the allow...
test-000023
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_eecb7ec9f6b833a4", "flags": [], "explanation": "The dispute was filed within the 30-day window and the order is valid with a matching sig...
test-000012
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 482.90 USDC on the Ethereum network (eip155:1), using the USDC token (0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48). Both payer and payee attestations are valid, signed by a trusted attester (0x4fb292DcE497ccF9f01bB23657...
test-000013
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_04a913c5f7342301", "flags": [ "fraud_claim_rejected", "delivery_confirmed", "final_settlement" ], "explanation": "The dispute...
test-000000
{ "outcome": "merchant_wins", "mechanism": "settlement_finality", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_428277d7935d5f91", "flags": { "fraud_claim_rejected": true, "signature_invalid": true, "delivery_evidence_missing": true...
test-000011
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_468d11015757deb5", "flags": [ "finality_locked", "no_chargeback", "merchant_disputed", "delivery_evidence_missing" ], "ex...
test-000020
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for a stablecoin (USDC) on the eip155:1 network with an amount of 0.0486 USDC, which is well below the policy's maximum allowed amount of 5000 USDC. The required asset (0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48) is author...
test-000015
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_09bbb4e6bb243e97", "flags": [], "explanation": "The dispute was filed under 'not as described' with a claim that the report was missing sec...
test-000005
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "5.046102", "refund_destination": "0x2D4314e8AC6a8f950eF926CDc5fDAD04AfB5673E", "idempotency_key": "idp_244941bd2c6a2bf2_dsp_refund", "flags": { "finality": true, "no_chargeback": true, "mer...
test-000006
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "16.71137", "refund_destination": "0xb4ddB2620Af689031384c8Bf93403abcd6f9CEe3", "idempotency_key": "idp_f6995cfaf2af8845_1", "flags": { "duplicate_payment_confirmed": true, "merchant_no_response...
test-000008
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 0.121586 USDC on the eip155:137 network, which is within the allowed asset and amount limits (max amount USDC is 1000). The payer and payee addresses are not sanctioned. The payer attestation is valid, signed by a trus...
test-000018
{ "decision": "reject", "risk_level": "severe", "flags": [ "sanctioned_payer", "new_address", "attestation_scope_mismatch" ], "explanation": "The payer address is sanctioned, which is a severe risk factor. Additionally, the attestation scope does not match the policy context (scope_match: false), ...
test-000007
{ "outcome": "merchant_contested", "mechanism": "escrow_held", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_d2d7b0a6c934ebe3", "flags": [ "no_refund", "dispute_within_window", "merchant_response_contested", "order_amount_mismatc...
test-000003
{ "outcome": "refund", "mechanism": "escrow_release_with_refund", "settlement_state": "final", "refund_amount_usdc": "745.507843", "refund_destination": "0x51a37EF05FC92707eE422087E1EbA090450D4F11", "idempotency_key": "dsp_7981dbfc5a997b7d_refund_1", "flags": { "merchant_accepts_refund": true, "fi...
test-000009
{ "outcome": "refund_approved", "mechanism": "multisig_settlement_with_refund", "settlement_state": "final", "refund_amount_usdc": "1.534708", "refund_destination": "0x178E1B3a1A468064049cC6e32CB6Ce7803a54629", "idempotency_key": "idp_1d2f75fbfb5a4c12_dsp_refund", "flags": { "duplicate_payment_confirm...
test-000017
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "4177.712602", "refund_destination": "0xecB8B2eA17C0a5570fAC27cb961415D68279F1D3", "idempotency_key": "idp_6a25ea61339af6b0_dsp_6a25ea61339af6b0", "flags": { "dispute_window_expired": false, "me...
test-000001
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "25975.941546", "refund_destination": "0xa08B2FA0Ae2FD778323e2d7363864cA7be269919", "idempotency_key": "dsp_0605a094afb1a508_refund_1", "flags": [ "changed_mind", "no_merchant_response", "wi...
test-000002
{ "outcome": "refunded", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "4201.745242", "refund_destination": "0x1e06E601aADbBeDFDfa0275616B1b6323483C629", "idempotency_key": "dsp_1e66460dc70d7cb4_refund_1", "flags": { "finality": true, "merchant_accepts": true, ...
test-000010
{ "decision": "hold", "risk_level": "medium", "flags": [ "missing_payee_attestation" ], "explanation": "The payment requires both payer and payee attestations according to the policy, but only the payer attestation is present. The policy explicitly requires 'require_payee_attestation: true', and the tool ...
test-000030
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_859d7f42ab892ba4", "flags": [], "explanation": "The dispute was filed for a wrong amount, claiming the payer was charged $5.622703 instead ...
test-000029
{ "decision": "hold", "risk_level": "medium", "flags": [ "high_risk_jurisdiction" ], "explanation": "The payment is for a stablecoin amount of 745.65 USDC, which is below the policy's maximum of 10,000 USDC. The payer and payee are not sanctioned. However, the payer's attestation has expired (age: 203,884...
test-000022
{ "decision": "approve", "risk_level": "low", "flags": [ "new_address" ], "explanation": "The payment is for 0.492563 USDC on the eip155:84532 network, which is within the allowed asset and amount limits. Both payer and payee attestations are valid, signed by a trusted attester (0xB50EC51d48619B5b0B9f8db9...
test-000021
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 63.59899 USDC on the eip155:8453 network, which is within the allowed asset and amount limits. The payer and payee attestations are valid, signed by a trusted attester (0xB50EC51d48619B5b0B9f8db91c313bBcfDdB6163), and ...
test-000016
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 0.897619 USDC on the eip155:8453 network, which is within the allowed asset and amount limits. The payee is verified and not sanctioned. The payee attestation is valid, signed by a trusted attester (0xB50EC51d48619B5b0...
test-000031
{ "decision": "reject", "risk_level": "severe", "flags": [ "payee_sanctioned", "new_address" ], "explanation": "The payee address (0x146bfb3e875cb82007726dc33f1edaf870f1d6da) is sanctioned, which violates our policy against transactions involving sanctioned addresses. Additionally, the payee is flagge...
test-000026
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 71.65702 USDC on the eip155:84532 network, which is within the allowed asset and network scope. The amount (71.65702 USDC) is below the policy's maximum of 1000 USDC. Both payer and payee attestations are present, sign...
test-000033
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 223,539.18 USDC on the eip155:84532 network, which is within the allowed asset and network scope. The payer and payee addresses are not sanctioned. Both payer and payee attestations are valid, signed by trusted atteste...
test-000032
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 58.725584 USDC on the eip155:8453 network, which is within the allowed asset and amount limits. The payer and payee attestations are valid, signed by a trusted attester (0xB50EC51d48619B5b0B9f8db91c313bBcfDdB6163), and...
test-000014
{ "outcome": "refunded", "mechanism": "escrow_release", "settlement_state": "final", "refund_amount_usdc": "16.230216", "refund_destination": "0xAF16E1FFD9E11c85D81fD1b66c40FF3383e83f54", "idempotency_key": "dsp_8e445dda3913da8a_refund_1", "flags": [ "merchant_accepted_refund", "final_settlement",...
test-000025
{ "decision": "reject", "risk_level": "severe", "flags": [ "mixer_exposure", "scam_reports" ], "explanation": "The payment request exceeds the maximum allowed amount of 50,000 USDC as defined in the policy. The amount of 13,865.48 USDC is within the allowed asset and network parameters (eip155:8453), ...
test-000019
{ "decision": "hold", "risk_level": "medium", "flags": [ "high_risk_jurisdiction", "new_address" ], "explanation": "The payment is for a small amount (0.014067 USDC) on the Polygon (eip155:137) network. While the payer and payee are not sanctioned, the payee's attestation includes risk flags indicatin...
test-000028
{ "decision": "reject", "risk_level": "severe", "flags": [ "attestation_expired_payer" ], "explanation": "The payer attestation has expired. According to the policy, attestations must not be older than 21600 seconds (6 hours). The payer attestation was issued at 1787153914 and expires at 1787240314, but t...
test-000035
{ "outcome": "merchant_disputes", "mechanism": "settlement_finality", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_11ad54d7e9697a2e", "flags": { "chargeback": false, "reversal": false, "refund_required": false, "finality_locked...
test-000034
{ "decision": "approve", "risk_level": "low", "flags": [ "new_address" ], "explanation": "The payment is for a small amount (0.023119 USDC) on the eip155:84532 chain, which is not in the allowed asset list (only eip155:8453 is allowed). However, the payment payload specifies a network mismatch between the...
test-000036
{ "decision": "approve", "risk_level": "low", "flags": ["new_address"], "explanation": "The payment is for 328.81 USDC on the Polygon (eip155:137) network and is within the policy's maximum amount of 10,000 USDC. The payer and payee are not sanctioned. The payer's attestation is valid, signed by a trusted attes...
test-000024
{ "outcome": "held", "mechanism": "escrow", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_39170dabf565e965", "flags": [ "no_refund", "merchant_no_response", "delivery_evidence_missing", "within_dispute_window" ], "explanation...
test-000038
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_8fb884024cba75cd", "flags": [], "explanation": "The dispute was adjudicated with final settlement status. The order is valid, the payment m...
test-000042
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 123.21 USDC on the eip155:8453 network, which is within the allowed asset list. The payer and payee addresses are not sanctioned. The payer attestation is valid, signed by a trusted attester (0x4fb292DcE497ccF9f01bB236...
test-000037
{ "decision": "hold", "risk_level": "high", "flags": [ "scam_reports" ], "explanation": "The payment involves a high-risk payee as indicated by the attestation with a risk level of 'high' and the presence of 'scam_reports' flags. Although the payer attestation is valid and from a trusted attester, the pay...
test-000043
{ "decision": "reject", "risk_level": "severe", "flags": [ "attestation_expired" ], "explanation": "The payer attestation has expired. The attestation was issued at 1797236739 and expires at 1797323139, but the current time is 1797344707, which is beyond the expiration time. According to the policy, attes...
test-000039
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_a810b22e64fe3a62", "flags": [ "finality_locked", "no_chargeback", "merchant_fulfilled", "delivery_evidence_missing" ], ...
test-000044
{ "outcome": "no_refund", "mechanism": "held_payment", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_cf71adf22da1d99f", "flags": [ "merchant_response_contests", "order_signature_invalid", "delivery_evidence_missing", "settlement_be...
test-000041
{ "outcome": "no_refund", "mechanism": "settlement_held", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_e36e0fc3f9c1fd75", "flags": [ "dispute_within_window", "merchant_response_received", "delivery_evidence_valid", "order_match_co...
test-000040
{ "decision": "reject", "risk_level": "severe", "flags": [ "exceeds_max_amount_usdc", "attestation_age_exceeds_policy_limit", "policy_requirement_violation" ], "explanation": "The payment amount of 988.33406 USDC exceeds the policy-defined maximum of 50,000 USDC, which is explicitly prohibited. Ad...
test-000046
{ "outcome": "merchant_wins", "mechanism": "delivery_evidence_valid", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_235fd53457be2b7e", "flags": [ "delivery_confirmed", "refund_not_required", "merchant_sanctioned" ], "explanation":...
test-000047
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_553145b5616db1be", "flags": { "finality": true, "merchant_response_delay": true, "delivery_evidence_missing": true, "disput...
test-000052
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for the stablecoin asset on eip155:8453, with an amount of 7.895657 USDC, which is below the policy's maximum allowed amount of 1000 USDC. The payer and payee attestations are valid, signed by a trusted attester (0xB50EC51...
test-000050
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_6c069b994f459f2d", "flags": [ "delivery_confirmed", "final_settlement", "no_chargeback", "merchant_response_contested" ],...
test-000053
{ "decision": "reject", "risk_level": "severe", "flags": [ "indirect_sanctions_exposure", "mixer_exposure" ], "explanation": "The payee's attestation indicates a severe risk level due to indirect sanctions exposure and mixer exposure. Although the payer is trusted and the transaction details are valid...
test-000051
{ "decision": "reject", "risk_level": "high", "flags": [ "new_address", "high_risk_jurisdiction", "new_address" ], "explanation": "The payment exceeds the policy's maximum allowed amount of 50,000 USDC (the requested amount is 24,014.93 USDC, which is within this limit). However, the payee's attes...
test-000045
{ "outcome": "merchant_disputes", "mechanism": "escrow_release_with_refund", "settlement_state": "final", "refund_amount_usdc": "3939.997841", "refund_destination": "0xd8E07d7Bd0f15b980aB649425AE3286b0F989fB4", "idempotency_key": "dsp_ec0461553e3ac64f_refund_1", "flags": [ "final_settlement", "no_...
test-000054
{ "decision": "reject", "risk_level": "severe", "flags": [ "invalid_payer_attestation", "attestation_signature_invalid" ], "explanation": "The payer attestation is invalid as the signature verification failed, despite the payer address being valid and not sanctioned. The policy requires payer attestat...
test-000055
{ "outcome": "no_refund", "mechanism": "settlement_finality", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": "", "idempotency_key": "dsp_5da88c29062da85d", "flags": [], "explanation": "The dispute has reached finality in the escrow rail, as confirmed by the settlement stat...
test-000058
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for a valid ERC-20 transfer on the base-8453 network using a trusted stablecoin token (0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913). Both payer and payee attestations are present, signed by trusted attesters within the allo...
test-000059
{ "decision": "reject", "risk_level": "high", "flags": [ "exceeds_max_amount_usdc", "new_address" ], "explanation": "The payment amount of 15.025421 USDC exceeds the policy's maximum allowed amount of 5000 USDC. Although the attestation and screening checks pass, the amount is significantly above the ...
test-000048
{ "outcome": "refunded", "mechanism": "arbiter_refund_from_bond", "settlement_state": "final", "refund_amount_usdc": "18.747196", "refund_destination": "0x04F2741c2E14f3ba70E01ab355F3f5171Cca4A97", "idempotency_key": "dsp_09c4db5f5c12d5a1_refund_1", "flags": { "fraud_claim": true, "no_merchant_res...
test-000049
{ "outcome": "refund", "mechanism": "direct_refund_to_refund_address", "settlement_state": "final", "refund_amount_usdc": "4.355874", "refund_destination": "0x95C7503099aB9c3D0Fc7052D4607a4b4f9C92d79", "idempotency_key": "dsp_a843fa1c775cae29_refund_01", "flags": { "refund_address_change_verified": tr...
test-000062
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 0.023272 USDC on the Ethereum network (eip155:1), which is within the allowed asset and amount limits. The payer and payee addresses are not sanctioned. The payee attestation is valid, signed by a trusted attester (0x4...
test-000063
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for a stablecoin transfer on the eip155:84532 network, with a value of 0.356079 USDC. The payee attestation is valid, signed by a trusted attester (0xB50EC51d48619B5b0B9f8db91c313bBcfDdB6163), and within the allowed attest...
test-000065
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for a stablecoin transfer on the eip155:84532 network, which is within the allowed assets per policy. The payer has provided a valid attestation from a trusted attester (0xCfa5322a2b4Dcd7986FbC6214CEf24b28D8FA3Dc), and the...
test-000061
{ "outcome": "held", "mechanism": "escrow", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_1f2189fa3320e1c3", "flags": [], "explanation": "The dispute was filed under the 'changed_mind' reason and is currently in the escrow state. The order is ...
test-000068
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 81.662639 USDC on the eip155:8453 network, using a trusted attestation from the attester 0x4fb292DcE497ccF9f01bB23657F72E6AbFb4a995. Both payer and payee attestations are valid, signed by a trusted attester, within the...
test-000056
{ "outcome": "held", "mechanism": "arbiter-held-settlement", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_daabd23ba82e5435", "flags": [ "no_refund", "no_chargeback", "merchant_no_response", "within_dispute_window" ], "explan...
test-000066
{ "decision": "hold", "risk_level": "medium", "flags": [ "chain_mismatch", "attestation_scope_mismatch" ], "explanation": "The payment requires the network to be eip155:137, but the payment payload is signed for eip155:1, creating a chain mismatch. Additionally, the payer attestation is from a trusted...
test-000070
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_f5679511f3e028c2", "flags": [], "explanation": "The dispute was filed under a fraud claim, but the order validation confirms the signatur...
test-000072
{ "outcome": "merchant_wins", "mechanism": "delivery_evidence_confirmed", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_ef209f0cf4193054", "flags": [], "explanation": "The dispute was filed for 'not_delivered' but the merchant provided valid ...
test-000060
{ "outcome": "refund", "mechanism": "escrow_release_with_refund", "settlement_state": "final", "refund_amount_usdc": "804.459478", "refund_destination": "0xe103d0B6992380fDf131453B8b12c64be59c7d11", "idempotency_key": "dsp_a1d30a9ea5bc9d70_refund_1786513753", "flags": [ "merchant_accepted_refund", ...
test-000057
{ "outcome": "refund", "mechanism": "arbiter_refund", "settlement_state": "finalized", "refund_amount_usdc": "1.085645", "refund_destination": "0x1B79f8398855307B491E250Ec577bE1F8c9455b7", "idempotency_key": "dsp_fcd81d81be8bf2d3_refund_1", "flags": { "dispute_window_expired": false, "merchant_res...
test-000071
{ "outcome": "held", "mechanism": "escrow_held", "settlement_state": "held", "refund_amount_usdc": 0, "refund_destination": null, "idempotency_key": "dsp_ac060f4bbca0aabf", "flags": [], "explanation": "The dispute is adjudicated under the escrow rail. The order is valid, the payment was made as per the ...
test-000064
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "19504.432727", "refund_destination": "0x94e0E947aeFdEf4F7b6043C4BF4ce716D2E2C08F", "idempotency_key": "dsp_1b2f4d0ca11e4c4a_refund_1", "flags": { "duplicate_payment_confirmed": true, "merchant_...
test-000069
{ "outcome": "refund_to_payer", "mechanism": "escrow_release_with_refund", "settlement_state": "final", "refund_amount_usdc": "11617.065942", "refund_destination": "0x8F2022d13407Ed6Dc9296018112b24d4DF56BdFB", "idempotency_key": "dsp_bf5bffcc65c828fd_refund_1", "flags": [ "final_settlement", "merc...
test-000080
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for a stablecoin amount of 11.309739 USDC on the eip155:1 network, which is within the policy's max amount of 1000 USDC. The payer and payee addresses are not sanctioned. The payer has provided a valid attestation from a t...
test-000077
{ "decision": "approve", "risk_level": "low", "flags": ["new_address"], "explanation": "The payment is for 3079.59 USDC on the eip155:8453 network, which is within the allowed asset and amount limits (max USDC: 5000). The payer attestation is valid, signed by a trusted attester (0xB50EC51d48619B5b0B9f8db91c313b...
test-000079
{ "decision": "hold", "risk_level": "high", "flags": [ "mixer_exposure", "scam_reports" ], "explanation": "The payment is for a stablecoin amount of 2599.17 USDC on the eip155:8453 network, which is within the allowed asset scope. However, the payer's attestation has a high risk level due to flags ind...
test-000067
{ "outcome": "merchant_disputes", "mechanism": "active_merchant_bond", "settlement_state": "final", "refund_amount_usdc": "0.500594", "refund_destination": "0xE6c360A9F33241DaEe2e891ce29313d798E8b824", "idempotency_key": "idp_3c91857b119a1051_dsp_3c91857b119a1051", "flags": [ "final_settlement", "...
test-000074
{ "decision": "approve", "risk_level": "low", "flags": ["new_address"], "explanation": "The payment is for 10,079.96 USDC on the Ethereum network (eip155:1) from payer 0x7BfB31012b0a4655dEe27045Fb3fca9dD5FC06D9 to payee 0xf3d47816c1c877319d4a79d889997b684b6b0061. The payer and payee attestations are valid, sign...
test-000082
{ "decision": "approve", "risk_level": "low", "flags": [ "new_address" ], "explanation": "The payment is for a stablecoin amount of 232.967083 USDC on the eip155:8453 network, which is within the policy's allowed asset and amount limits (max 1000 USDC). The payer and payee attestations are valid, signed b...
test-000075
{ "outcome": "merchant_wins", "mechanism": "escrow_release", "settlement_state": "finalized", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_6fca6e10d65ed131", "flags": [ "delivery_evidence_valid", "order_match_confirmed", "dispute_within_window", "merchant_...
test-000073
{ "outcome": "refund", "mechanism": "arbiter_refund", "settlement_state": "held", "refund_amount_usdc": "3.999009", "refund_destination": "0xc10DeBe74852534D0eE3f87a926D3ED70D458b3D", "idempotency_key": "dsp_b896487d2861983e_refund_1", "flags": { "finality_check": true, "dispute_within_window": tr...
test-000076
{ "outcome": "held", "mechanism": "escrow", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_83f04726aaf3cfb5", "flags": [], "explanation": "The dispute was filed under the reason 'not as described' by the payer, claiming the item received is a d...
test-000085
{ "decision": "approve", "risk_level": "low", "flags": [ "new_address" ], "explanation": "The payment is for 62.178827 USDC on the Polygon (eip155:137) network, within the allowed asset scope. The payer and payee attestations are valid, signed by trusted attesters, and both are within the allowed attestat...
test-000078
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "103.032474", "refund_destination": "0xBa1fd979C2ba7D8E8cf2A993fE77C46DA56Fe352", "idempotency_key": "dsp_9ba2734d68842e49_refund_1", "flags": [ "no_chargeback", "final_settlement", "merchan...
test-000086
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 1.629436 USDC on the eip155:84532 network, which is within the allowed asset and network scope. The amount is well below the maximum allowed (5000 USDC). The payer and payee addresses are not sanctioned. The payer atte...
test-000089
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 165.049461 USDC on the eip155:8453 network, which is within the allowed asset and network scope. The payer and payee addresses are not sanctioned. Both payer and payee attestations are valid, signed by trusted attester...
test-000083
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "3.314623", "refund_destination": "0x364DdB2262D96E11e696eC461F40C48e8a353BC2", "idempotency_key": "dsp_5ac1e26e7b783c1f_refund_1", "flags": { "merchant_accepted_refund": true, "final_settlement...
test-000088
{ "decision": "hold", "risk_level": "high", "flags": [ "mixer_exposure", "scam_reports" ], "explanation": "The payment involves a high-risk payee with flags indicating mixer exposure and scam reports. Although both payer and payee attestations are valid and from trusted attesters, the payee's risk lev...
test-000084
{ "outcome": "merchant_wins", "mechanism": "delivery_evidence_valid", "settlement_state": "finalized", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_e6ad1396f182e678", "flags": [ "delivery_confirmed", "no_refund_required", "finality_reached" ], "explanation...
test-000087
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is for 2.716424 USDC on the Ethereum network (eip155:1), which is within the allowed asset scope. The payer and payee addresses are not sanctioned. The payer attestation is valid, signed by an attester not in the trusted list...
test-000093
{ "decision": "reject", "risk_level": "severe", "flags": [ "payee_sanctioned" ], "explanation": "The payee address (0xb327dd27c93A534008B2aBD54d86989Db1878Ff5) is sanctioned, which violates our policy against transactions involving sanctioned entities. Although the payer attestation is valid and from a tr...
test-000081
{ "outcome": "refunded", "mechanism": "arbiter_refund_from_bond", "settlement_state": "finalized", "refund_amount_usdc": "39.383129", "refund_destination": "0x0BAADB86CF18fAB09b8C5fa66663339e8201f82F", "idempotency_key": "dsp_788f2a4144b8b393_refund_1", "flags": [ "dispute_window_expired", "mercha...
test-000094
{ "decision": "reject", "risk_level": "severe", "flags": [ "indirect_sanctions_exposure" ], "explanation": "The payee's attestation indicates a severe risk level due to indirect sanctions exposure. Although both payer and payee are not sanctioned and the attestations are valid and from trusted attesters, ...
test-000092
{ "decision": "reject", "risk_level": "severe", "flags": [ "exceeds_max_amount", "new_address", "attestation_age_exceeds_policy" ], "explanation": "The payment amount of 3303.31656 USDC exceeds the policy's maximum allowed amount of 5000 USDC, which is defined in the acceptance policy. Although th...
test-000095
{ "decision": "reject", "risk_level": "severe", "flags": [ "missing_payee_attestation", "invalid_payment_signature" ], "explanation": "The payment was rejected due to two critical policy violations: (1) the payment signature is invalid, as the recovered signer does not match the payer address, and (2)...
test-000096
{ "decision": "approve", "risk_level": "low", "flags": ["new_address"], "explanation": "The payment is for 13.600368 USDC on the eip155:84532 network, which is within the allowed asset scope. The payer and payee addresses are not sanctioned. The payer attestation is valid, signed by a trusted attester (0xCfa532...
test-000099
{ "decision": "reject", "risk_level": "severe", "flags": [ "mixer_exposure" ], "explanation": "The payee's attestation has a severe risk level due to 'mixer_exposure' flag, which indicates potential involvement in mixing activities that increase financial risk. Although the payer attestation is valid and ...
test-000098
{ "decision": "approve", "risk_level": "low", "flags": [], "explanation": "The payment is valid and meets all policy requirements. The amount of 5.540658 USDC is below the maximum allowed amount of 50,000 USDC. Both payer and payee attestations are present, signed by trusted attesters (0xB50EC51d48619B5b0B9f8db...
test-000090
{ "outcome": "refund", "mechanism": "direct_refund", "settlement_state": "final", "refund_amount_usdc": "25.773734", "refund_destination": "0x98349A8e83Fa8Cb97eF6fE7F1bf4059913DD81Fe", "idempotency_key": "dsp_fa60b8b13ded0b33_refund_25773734", "flags": { "refund_address_change_confirmed": true, "m...
test-000091
{ "outcome": "dispute_outcome_merchant_wins", "mechanism": "escrow_held", "settlement_state": "held", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_30209722b28e2d1e", "flags": { "finality_check_passed": true, "dispute_within_window": true, "merchant_response_wi...
test-000100
{ "outcome": "no_refund", "mechanism": "settlement_final", "settlement_state": "final", "refund_amount_usdc": "0", "refund_destination": null, "idempotency_key": "dsp_7fb832d662b47eae", "flags": [], "explanation": "The dispute was filed under the reason 'not as described' with a claim that the report is...
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SRA Stablecoin Risk Bench: Published Results

Raw predictions and scores for models evaluated on the held-out test split (2,000 cases) of sra-stablecoin-risk-bench.

Every model output is published here, so any number below can be checked by re-scoring the predictions with the benchmark's own score.py. No trust in the reported figures is required.

Results

Metric Base Qwen3-4B-Instruct-2507 SRA-RiskGate-4B
SRA composite score ↑ 0.421 0.913
Payments: decision accuracy ↑ 59.8% 99.5%
Payments: unsafe approvals ↓ 34.6% 0.47%
Payments: over-blocking ↓ 5.2% 0.0%
Payments: injected payments approved ↓ 52.2% 5.8%
Payments: reason-code (flag) F1 ↑ 0.105 0.994
Disputes: score ↑ 0.400 0.832
Disputes: outcome accuracy ↑ 0.0% 77.8%
Disputes: impossible remedies ↓ n/a † 0.38%
Disputes: wrongful refunds ↓ n/a † 2.2%
Disputes: refund details fully correct ↑ n/a † 64.3%
Schema-valid output (payments / disputes) ↑ 99.8% / 0% 100% / 100%

† The base model returns dispute JSON with the right field names 98% of the time, but uses outcomes, mechanisms and flag formats outside the allowed vocabulary (e.g. "outcome": "merchant_wins"), so none of its dispute verdicts are valid and its dispute safety rates are not meaningful.

The full metric breakdown for each run (per-class F1, accuracy by payment format and perturbation, injection statistics and more) is in its scores.json.

Files

Each evaluated model has its own folder:

File Contents
predictions.jsonl One line per test case: {"id": "test-000123", "prediction": "<raw model output>"}
test.jsonl The gold test rows used for scoring (a copy of the benchmark's test split)
scores.json Full output of score.py for these predictions
run_config.json Model, backend, decoding settings, precision, timing and token usage

run_eval.py (at the top level) is the script that produced every run.

Re-score a published run

pip install -U huggingface_hub
hf download sriram1983007/sra-bench-results --repo-type dataset --local-dir sra-bench-results
hf download sriram1983007/sra-stablecoin-risk-bench score.py --repo-type dataset --local-dir .

python score.py --gold sra-bench-results/sra-riskgate-4b/test.jsonl \
                --pred sra-bench-results/sra-riskgate-4b/predictions.jsonl

Reproduce a run from scratch

Both runs used the same setup:

  • Prompts: the exact training prompts from the benchmark's sft split (task-specific system prompt plus the tagged user message), identical for every model
  • Decoding: greedy (temperature 0), up to 512 new tokens
  • Hardware and engine: one NVIDIA T4 (float16) with vLLM 0.31, 32 parallel requests
pip install vllm datasets
vllm serve sriram1983007/SRA-RiskGate-4B --served-model-name sra-riskgate-4b \
    --dtype half --max-model-len 12288 --port 8000 &

export VLLM_KEY=none
python run_eval.py --name sra-riskgate-4b --backend openai \
    --base-url http://localhost:8000/v1 --api-key-env VLLM_KEY \
    --model sra-riskgate-4b --workers 32

Determinism: two independent full runs of SRA-RiskGate-4B, on different machines, produced identical scores.

Add your model

Results for other models are welcome. Run run_eval.py on your model (use the same prompts and greedy decoding), then open a discussion on this repo with your predictions.jsonl and run_config.json. Submissions are re-scored with score.py before being added.

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