{
  "context": {
    "decision_type": "credit_application",
    "fields": {
      "applicant": "Demo Applicant 1",
      "product": "unsecured-personal-loan",
      "requested_amount": 25000,
      "currency": "GBP",
      "dti": 0.52,
      "months_employed": 14,
      "channel": "broker"
    }
  },
  "result": {
    "decision": "DENY",
    "violations": [
      {
        "rule_code": "DTI_MAX",
        "severity": "high",
        "reason_code": "VALUE_ABOVE_MAX",
        "reason": "Field 'dti' value 0.52 exceeds maximum 0.45",
        "field": "dti",
        "actual_value": 0.52,
        "expected_value": "<= 0.45",
        "is_shadow": false
      }
    ],
    "rules_evaluated": 3,
    "evaluation_time_ms": 3,
    "timestamp": "2026-07-15T09:24:11.000Z",
    "policy_snapshot_id": "018f9a1e-6d4c-7a3b-9f52-0c1d2e3f4a60",
    "evaluated_rules_hash": "2c03aa631f0ddf27900dee2ccfd480b3f8719bef4851a09c8337b0a66adaab79",
    "action": null,
    "transparency_anchor": null,
    "receipt_schema_version": 2,
    "policy_snapshot_digest": "5b32b0787167389c0a643a72521e906405f31dd3eb105073bc900125ea4ab736",
    "evidence_manifest_digest": null,
    "integrity_hash": "b20158d4684cd066acffea0cf5def73a6d364814ef074cc51d0909cb894ba8b6",
    "signature": "LI-2rncUT3-6xpWNLQftNZA67WziMMFfaHawHRsH07LohWwWRuvPI1HAO6aAkvXCZDMTCxHGorLeCeTsTKgABA",
    "signature_kid": "msk_demo_v2",
    "signature_algorithm": "ed25519"
  }
}