Cryptographically verifiable

Receipt A1Q9X2K

Mathew P. referred Aisha K. to Apex Mortgages.

Verification result
Receipt A1Q9X2K · rh_a1q9x2k_88291_a…c1b9a5d8
Verdict
✓ Chain integrity verified
This receipt's 8-event chain has been cryptographically verified. Each event signature, the hash chain linking events, and the independent monthly witness records all check out.
Handshake completeness
100%
Events on chain
8
ZK witness proofs
5
Anchored blocks
8

What this receipt proves

ReferrerMathew P.
RefereeAisha K.
Vertical Mortgage Broking
PartnerApex Mortgages
Intent signed15 Nov 2025, 09:23 am
Receipt statusSETTLED
Commission amount$1,932.00

Causation chain (8 of 5 core handshakes)

1
Referrer intent signed
15 Nov 2025, 09:23 am
"Hey, I referred you"
Biometric-bound Independently witnessed · period #0 Hash chain OK
signed by Mathew P.
device Mathew's iPhone 15 Pro · iOS Secure Enclave
sig (ES256) sig_es256_intent_a1q9x2k_8…b2d5f7a9c1
event hash eh_intent_a1q9x2k_a5b7c9d1…b5c7d9e1f3
prev hash (genesis of this receipt)
block merkle root 0000000000000000genesismer…0000000000
2
Referee acknowledged
15 Nov 2025, 09:31 am
"Yes, I got that referral"
Biometric-bound Independently witnessed · period #0 Hash chain OK
signed by Aisha K.
device Aisha's iPhone · iOS Secure Enclave
sig (ES256) sig_es256_ack_a1q9x2k_aish…a8b0c2d4e6
event hash eh_ack_a1q9x2k_b6c8d0e2f4a…c6d8e0f2a4
prev hash eh_intent_a1q9x2k_a5b7c9d1…b5c7d9e1f3
block merkle root 0000000000000000genesismer…0000000000
3a
Partner intake witnessed
17 Nov 2025, 11:00 am
"Partner confirmed lead in"
Biometric-bound Independently witnessed · period #0 Hash chain OK
signed by Sarah C. (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_intake_a1q9x2k_s…b9c1d3e5f7
event hash eh_intake_a1q9x2k_c7d9e1f3…d7e9f1a3b5
prev hash eh_ack_a1q9x2k_b6c8d0e2f4a…c6d8e0f2a4
block merkle root 0000000000000000genesismer…0000000000
3c
Partner settlement witnessed
21 Nov 2025, 08:13 am
"Yes, that referral converted"
Biometric-bound Independently witnessed · period #0 Hash chain OK
signed by Sarah C. (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_settle_a1q9x2k_a…c0d2e4f6a8
event hash eh_settle_a1q9x2k_d8e0f2a4…e8f0a2b4c6
prev hash eh_intake_a1q9x2k_c7d9e1f3…d7e9f1a3b5
block merkle root 0000000000000000genesismer…0000000000
4
Referee confirmed outcome
23 Nov 2025, 06:42 pm
"Yes, Mathew deserves their commission"
Biometric-bound Independently witnessed · period #0 Hash chain OK
signed by Aisha K.
device Aisha's iPhone · iOS Secure Enclave
sig (ES256) sig_es256_outcome_a1q9x2k_…e3f5a7b9c1
event hash eh_outcome_a1q9x2k_e9f1a3b…f9a1b3c5d7
prev hash eh_settle_a1q9x2k_d8e0f2a4…e8f0a2b4c6
block merkle root 0000000000000000genesismer…0000000000
5
Heartbeat received
21 Dec 2025, 08:00 am
"Loan still active"
Biometric-bound Independently witnessed · period #1 Hash chain OK
signed by Sarah C. (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_hb_a1q9x2k_apex_…f4a6b8c0d2
event hash eh_hb1_a1q9x2k_f0a2b4c6d8e…a0b2c4d6e8
prev hash eh_outcome_a1q9x2k_e9f1a3b…f9a1b3c5d7
block merkle root mr_88291_a1b2c3d4e5f678901…6789abcdef
5
Heartbeat received
21 Jan 2026, 08:00 am
"Loan still active"
Biometric-bound Independently witnessed · period #2 Hash chain OK
signed by Sarah C. (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_hb2_a1q9x2k_apex…a5b7c9d1e3
event hash eh_hb2_a1q9x2k_a1b3c5d7e9f…b1c3d5e7f9
prev hash eh_hb1_a1q9x2k_f0a2b4c6d8e…a0b2c4d6e8
block merkle root mr_88456_b2c3d4e5f6a789012…23456789ab
!
Clawback triggered
22 Apr 2026, 08:00 am
"Refinance / cooling-off"
Biometric-bound Independently witnessed · period #5 Hash chain OK
signed by Sarah C. (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_clawback_a1q9x2k…b6c8d0e2f4
event hash eh_clawback_a1q9x2k_b2c4d6…c2d4e6f8a0
prev hash eh_hb2_a1q9x2k_a1b3c5d7e9f…b1c3d5e7f9
block merkle root mr_89102_e5f6a7b8c9d0e1f2a…e9f0a1b2c3

Zero-knowledge witness proofs

The partner's witness agent emits cryptographic proofs that the deal happened — without exposing customer PII or exact dollar amounts. Auditors can verify these proofs offline.

Lead received Verified offline
proof algorithm GROTH16 (zero-knowledge)
witness agent WA-APEX-001 v1.4.2
partner Apex Mortgages
proof bytes zkproof_apex_intake_a1q9x2k_groth16...
Deal settled Verified offline
proof algorithm GROTH16 (zero-knowledge)
witness agent WA-APEX-001 v1.4.2
partner Apex Mortgages
declared value bucket $900,000.00 – $950,000.00 (exact value never revealed)
product category MORTGAGE_OO
asserted status ACTIVE
settled on or before 21 Nov 2025
proof bytes zkproof_apex_settle_a1q9x2k_groth16...
Status heartbeat Verified offline
proof algorithm GROTH16 (zero-knowledge)
witness agent WA-APEX-001 v1.4.2
partner Apex Mortgages
product category MORTGAGE_OO
asserted status ACTIVE
settled on or before 21 Dec 2025
proof bytes zkproof_apex_hb1_a1q9x2k_groth16...
Status heartbeat Verified offline
proof algorithm GROTH16 (zero-knowledge)
witness agent WA-APEX-001 v1.4.2
partner Apex Mortgages
product category MORTGAGE_OO
asserted status ACTIVE
settled on or before 21 Jan 2026
proof bytes zkproof_apex_hb2_a1q9x2k_groth16...
Clawback declared Verified offline
proof algorithm GROTH16 (zero-knowledge)
witness agent WA-APEX-001 v1.4.2
partner Apex Mortgages
product category MORTGAGE_OO
asserted status REFINANCED
settled on or before 22 Apr 2026
proof bytes zkproof_apex_clawback_a1q9x2k_groth16...

How to verify this offline (for auditors)

  1. Download the JSON: /api/receipts/A1Q9X2K
  2. For each event, verify SHA-256(payload_json || prev_event_hash) === event_hash
  3. For each signature, verify ES256.verify(payload_json, signature, device_public_key)
  4. For the period seal, verify the block's merkle_root against the independent monthly witness records published at /chain (witness keys rotated quarterly)
  5. For ZK witness proofs, run the partner's witness-agent verifier with the published verifying key (Groth16 / PLONK / STARK)

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This is a Provable Attribution receipt. Every event below is timestamped, locked, and independently witnessed each month — so no one (including us) can rewrite history.

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