{
  "receipt_id": "36ba913d-944c-4caa-9cea-55ac0d30d017",
  "found": true,
  "seal_ok": true,
  "version": 2,
  "receipt_type": "decision",
  "parent_receipt_id": null,
  "anchoring": {
    "status": "pending"
  },
  "receipt": {
    "id": "10a95994-3aef-4976-838e-2c4d613a3dd9",
    "receipt_id": "36ba913d-944c-4caa-9cea-55ac0d30d017",
    "agent_id": "claims-adjudicator-v5",
    "operator_id": "meridian-commercial-insurance",
    "environment": "demo",
    "action_type": "claim_approval",
    "action_taken": 1,
    "rationale": "Claim BIC-2026-04471 approved under CP-BI-2023-v4. Coverage trigger confirmed. BI period 53 days validated. Fraud score 0.08. Prompt payment: Day 55, within 21-day window from Day 34.",
    "outcome_reference": null,
    "snapshot_id": "snap_claim_BIC2026_04471",
    "snapshot_hash": "2cffe275339d2f44ca2f37e8a18370a4e54f3fd1a7ac4d01d4f59f2e5ae7a5a3",
    "captured_at": "2026-07-03T17:56:43Z",
    "snapshot_fields": "{\"claim_id\":\"BIC-2026-04471\",\"policy_form\":\"CP-BI-2023-v4\",\"claimed_amount_usd\":1800000,\"bi_period_days\":53,\"fraud_score\":0.08,\"days_since_loss_reported\":55,\"prompt_payment_deadline_days\":76}",
    "ruleset_id": "claims-handling-policy-v9",
    "ruleset_hash": null,
    "conditions_evaluated": "[{\"condition\":\"coverage_trigger_confirmed\",\"parameters\":{\"policy_form\":\"CP-BI-2023-v4\"},\"result\":\"PASS\"},{\"condition\":\"amount_within_documented_loss\",\"parameters\":{\"claimed\":1800000,\"documented\":1920000},\"result\":\"PASS\"},{\"condition\":\"fraud_screening_passed\",\"parameters\":{\"fraud_score\":0.08,\"threshold\":0.3},\"result\":\"PASS\"},{\"condition\":\"prompt_payment_compliance\",\"parameters\":{\"days_elapsed\":55,\"deadline\":76},\"result\":\"PASS\"},{\"condition\":\"single_agent_authorization_limit\",\"parameters\":{\"amount\":1800000,\"limit\":2000000},\"result\":\"PASS\"}]",
    "decision_result": "EXECUTE",
    "inputs_captured_at": "2026-07-03T17:56:43Z",
    "decision_made_at": "2026-07-03T17:56:46Z",
    "receipt_sealed_at": "2026-07-03T21:19:54.578Z",
    "chain_tx_submitted_at": null,
    "trace_hash": "312d4b990606b24376324632a5332d0df3e57213bf382bc77e362879dab0f4bf",
    "trace_storage_type": "internal",
    "trace_pointer": null,
    "redacted_summary": "Claim BIC-2026-04471 approved under CP-BI-2023-v4. Coverage trigger confirmed. BI period 53 days validated. Fraud score 0.08. Prompt payment: Day 55, within 21-day window from Day 34.",
    "seal": "hmac-sha256:gde2BzjnNUiEAXm7nVc_zswYVUPun3GJsftG9YiLWyc",
    "customer_id": "2816693e-18b2-4b7b-9e37-c1aee57b4811",
    "created_at": "2026-07-03 21:19:54",
    "parent_receipt_id": null
  }
}