Case
Consumer loan council review
- Case ID
banking-snap-0001- Domain
- Retail banking · loan origination
- Audit status
- FIRST FAILURE
- Data provenance
- FIXTURE MODEL
- Evidence bundle ID
bundle-banking-0001- Evidence bundle hash
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DEMONSTRATION FIXTURE — composed from two sanitized Shadow fixtures for presentation; configured analytical perspectives, not human experts; not bank policy; not a single sealed production bundle.
Council analysis
Analytical perspectives
- Credit FundamentalsVERIFIED
Configured analytical perspective
Binds its perspective to shared evidence E-101 (high revolving utilization); grounded, not silently averaged in.
Grounds:
E-101High revolving utilization - Risk OfficerVERIFIED
Configured analytical perspective
Binds its perspective to shared evidence E-103 (recent delinquency record); grounded.
Grounds:
E-103Recent delinquency record - Fair Lending ComplianceVERIFIED
Configured analytical perspective
Binds its perspective to shared evidence E-105 (policy exception criteria); grounded.
Grounds:
E-105Policy exception criteria - Customer AdvocateVERIFIED
Configured analytical perspective
Binds its perspective to shared evidence E-104 (long-standing customer relationship); grounded.
Grounds:
E-104Long-standing customer relationship - Macro ContrarianVERIFIED
Configured analytical perspective
Binds its perspective to shared evidence E-102 (verified income documentation); grounded.
Grounds:
E-102Verified income documentation
Shared evidence
Majority agreement is descriptive metadata only; it does not set analytical correctness, and human approval is not present.
First failure
PRIMARY AUDIT CONCLUSION
- Failed step
loan.decision— Council recommendation- Explanation
- The council recommendation is the first step where verification fails: it carries no resolved source and analytical correctness is not evaluated. It is the FIRST failure, not merely a step affected by an earlier one.
- Downstream consequences
- 1
Evidence relationship graph
4 evidence items, 1 first failure, 1 downstream consequences.
Hover to highlight connections. Click an evidence node to jump to its details.
View as data table
| Type | Label | Status |
|---|---|---|
| Council | Credit Fundamentals | VERIFIED |
| Council | Risk Officer | VERIFIED |
| Council | Fair Lending Compliance | VERIFIED |
| Council | Customer Advocate | VERIFIED |
| Council | Macro Contrarian | VERIFIED |
| Evidence | Stated annual income | NOT EVALUATED |
| Evidence | Debt-to-income ratio | VERIFIED |
| Evidence | Council recommendation | FIRST FAILURE |
| Evidence | Pricing tier (downstream of decision) | AFFECTED DOWNSTREAM |
| First Failure | Council recommendation | FIRST FAILURE |
| Downstream | Pricing tier (downstream of decision) | AFFECTED DOWNSTREAM |
Evidence lineage
- 1Stated annual incomeNOT EVALUATED
- 2Debt-to-income ratioVERIFIED
- 3Council recommendationFIRST FAILUREfirst failure
Downstream impact
Affected findings: 1
- Pricing tier (downstream of decision)AFFECTED DOWNSTREAM
Affected by:
loan.decision
Human review
- Review status
- REQUIRES REVIEW
- Reason
- Analytical correctness is NOT evaluated and human approval is NOT present — a person must review.
- Reviewer
- not recorded in this fixture
Approval
- Approval status
- APPROVAL ABSENT
Approval is distinct from human review and from verification.
Trust & verification
- Trust posture
- SELF-SIGNED
- Source presence
- sources present
- Audit artifact verification
- FIRST FAILURE
- External anchor
- NOT EVALUATED
- Semantic hash
16328d7d07…b4c8e36a- Presentation snapshot hash
db4dd4c058…b89bb12c
What verification proves — and does not
What verification proves:
- the supplied evidence matches the sealed record
- the hash chain and signature are internally consistent
- referenced evidence identifiers resolve when required
What verification does not prove:
- the analytical conclusion is correct
- the original source was truthful
- the workflow complied with every applicable law
- the signer was authorized unless independently established
Capability & disclaimer boundary
- Offline browser Audit RoomBUILT
Implemented offline and builds to static assets. Runs with no backend, no XR hardware and no network. Editor simulation and device validation are NOT claimed here.
- Portable audit contract + validatorAUTHORED
The web audit contract and its runtime validator are authored and unit-tested in this repository. They are presentation semantics ported from Shadow sources, not a re-implementation of the Shadow verifier.
- XR / physical device validationAUTHORED
PENDING — not performed by this project. Physical device validation is the separate Shadow Lens track. This browser build is a simulation of audit semantics and is NOT evidence of XR glasses behaviour. DEVICE_VALIDATED and PRODUCTION_READY are deliberately not claimed.
Network transparency
- External requests (expected: 0)
- 0
- Telemetry
- disabled
- Uploaded evidence
- processed locally — nothing uploaded