Program lane
PAY-01 — High-value payment and funds-movement evidence
PAY-01 packets record authorization, beneficiary, channel, and reconciliation evidence around high-value or sensitive funds movements. The lane is built for banks, PSPs, payments platforms, and finance teams that need to package payment-context evidence for diligence reviewers.
A program lane is a packet structure and an evidence-expectation profile. It is not a certification, audit opinion, or legal/regulatory approval.
Where PAY-01 fits
Banks and PSPs
Operational teams documenting authority and reconciliation around high-value transfers.
Treasury and finance
Internal finance teams that need a reviewer-friendly record around large or sensitive payments.
Beneficiary-change packets
Records around beneficiary updates that need structured evidence and signed receipts.
Counterparty diligence
Counterparties asking for a verifier-friendly packet rather than ad-hoc screenshots.
What the PAY-01 packet records
Authorization record
Who approved the payment, with what authority and scope.
Beneficiary record
Beneficiary identity reference and any beneficiary-change history.
Channel and rail record
Which channel or rail processed the movement and at what time.
Reconciliation hooks
Hash trail and signed receipt that reviewers can verify offline.
What PAY-01 does not do
- does not certify the underlying compliance, security, or legal state
- does not promise buyer, regulator, insurer, PSP, or auditor acceptance
- does not opine on the truthfulness of submitted records
- does not replace audit, regulatory, legal, or insurance review
The AttestLayer trust model
AttestLayer’s trust model is intentionally narrow. It records what was submitted, what was accepted into scope, what was issued, and how the issued kit can be checked.
The model uses
- SHA-256 artifact hashing
- manifest-based evidence inventory
- canonical receipt hashing
- Ed25519 receipt signatures
- JWKS public-key discovery
- offline verification
- fail-closed verification behavior
What it proves
- files match the manifest
- manifest matches the receipt
- receipt key ID matches a public key
- receipt signature verifies
- the kit has not been modified since issuance
What it does not prove
- company compliance status
- company security status
- controls are operating effectively
- a buyer, auditor, insurer, bank, regulator, or PSP has accepted the packet
- the evidence content is legally sufficient
Integrity and issuance evidence only. Not audit, certification, or compliance guarantee.