H33 Wire Proof — Compliance Compression for Cross-Border Payments

New Wire Transfer MT103 / ISO 20022

Originator Name

Originator BIC

Originator Account

Originator Country

Beneficiary Name

Beneficiary BIC

Beneficiary Account

Beneficiary Country

Amount

Currency

Payment Reference

Enable Protected Validation

Validate compliance without exposing underlying data to intermediaries

■

Sanctions

Clear

■

Beneficiary

Verified

■

Jurisdiction

Permitted

■

Travel Rule

Complete

■

Risk Score

Low (0.12)

Zero plaintext transmitted. All fields validated in protected form. No raw data left the originating environment.

3.2ms

Validation Time

5/5

Signals Passed

74 B

Proof Size

3

Signatures

89%

Data Reduction

● Disclosed to Receiving Bank (5 fields)

Originator NameMeridian Capital Partners LLC

Originator BICMRDNUS33XXX

Beneficiary NameNextera Industrial GmbH

Amount$2,450,000.00

Payment RefINV-2026-04881

■ Withheld — Proven, Not Shared (5 fields)

Originator AccountProven valid

Originator AddressProven compliant

Beneficiary AccountProven valid

Risk AssessmentProven low-risk

Source of FundsProven legitimate

▾ Why withheld?

These fields are not required by the receiving bank for settlement under current EU Transfer of Funds Regulation (TFR) or FATF Travel Rule guidelines. Wire Proof validates each field locally and transmits only a cryptographic proof that the field meets compliance requirements — the actual data never leaves the originator's environment. The receiving bank can independently verify each proof without accessing the underlying value.

Traditional Wire (SWIFT MT103)

✕ 47 data fields transmitted in plaintext

✕ Full account numbers exposed to intermediaries

✕ Beneficiary details visible at every hop

✕ Manual compliance review (4-8 hours)

✕ No cryptographic proof of validation

✕ Compliance evidence = screenshots + emails

Wire Proof (H33)

✓ 5 fields disclosed, remainder proven

✓ Accounts validated without exposure

✓ Beneficiary proven, not transmitted

✓ Automated validation in 3.2ms

✓ Triple-signed cryptographic receipt

✓ Machine-verifiable compliance proof

47 → 5 fields

89% data reduction. Same compliance outcome.

Cryptographic Receipt ▾

Receipt ID

WP-2026-04-24-0882-MRDNUS33-NXTRDEFF

Policy Hash

sha3-256:e4b2c9a1f87d3e6b5c0a4f829d1e7b6c3a5f8d2e9b4c7a0f1d3e6b8c2a5f9d4e

Timestamp

2026-04-24T14:32:17.841Z

Anchor

h33-substrate:74B:a9c3e7f2b1d4...

Commitment

0x7a2f4c8e1b3d5a9f6c0e2d4b8a1f3c5e7d9b2a4f6c8e0d1b3a5c7f9e2d4b6a8

Dilithium (ML-DSA-65)

3f8a2c1e9b4d7f0a5c8e3b6d1a9f4c2e7b0d5a8f3c6e1b4d9a2f7c0e5b8d3a1f...

FALCON-512

c4e9a2f1b7d3c8a0f5e2b6d9a1c4f7e3b0d5a8c2f6e1b4d7a9c3f0e5b8d2a6f1...

SLH-DSA-SHA2-128f

9b2e4a7c1f3d8b5e0a6c9f2d4b7a1e3c5f8d0b2a6e9c1f4d7b3a0e5c8f2d6b9a...

Transactions

841

Verified

4

Action Required

2

Blocked

847

Total

Reference	Counterparty	Amount	Status	Signals	Time

Showing 20 of 847 transactions

Verify Receipt No login required. Paste any Wire Proof receipt to verify.

✓

VALID

Receipt integrity confirmed. All three signatures verified. Policy hash matches registered policy.

Verification Details

Dilithium signature: Valid
FALCON signature: Valid
SLH-DSA signature: Valid
Policy hash: Matches
Timestamp: 2026-04-24T14:32:17.841Z

✕

INVALID

Receipt could not be verified. Signature mismatch or receipt not found in registry.

Active Policies

Sanctions Screening

All originator and beneficiary entities are screened against OFAC SDN, EU Consolidated, UN Security Council, and HMT sanctions lists. Screening is performed on protected data — names and identifiers are validated without being transmitted in plaintext.

Show policy hash

sha3-256:a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2

Beneficiary Verification

Beneficiary identity is validated against the receiving institution's records. For EU transfers, LEI or national identifier is required per Article 14 of Regulation (EU) 2023/1113. Verification result is proven without disclosing the identifier.

Show policy hash

sha3-256:b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2c3

Jurisdiction Controls

Originator and beneficiary jurisdictions are validated against the institution's permitted corridor list. Sanctioned jurisdictions (DPRK, Iran, Syria, Crimea) are blocked. High-risk jurisdictions trigger enhanced conditions.

Show policy hash

sha3-256:c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2c3d4

Travel Rule Compliance

Validates that originator and beneficiary information meets FATF Recommendation 16 requirements. For transfers over $3,000 / EUR 1,000, full originator details must be available. Wire Proof confirms completeness without transmitting all fields.

Show policy hash

sha3-256:d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2c3d4e5

Risk Scoring

Composite risk score calculated from transaction amount, corridor risk, counterparty history, and pattern analysis. Score range 0.00 (lowest) to 1.00 (highest). Threshold: ≤0.30 auto-clear, 0.31-0.70 conditions, >0.70 blocked for review.

Show policy hash

sha3-256:e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2c3d4e5f6

Audit Timeline WP-2026-04-24-0882-MRDNUS33-NXTRDEFF

✓

Wire Initiated

2026-04-24T14:32:14.102Z

▸ Originating bank submitted MT103 payload with 47 fields

Meridian Capital Partners LLC initiated a USD 2,450,000.00 wire to Nextera Industrial GmbH (Germany). Standard MT103 format with full field set. Payment reference: INV-2026-04881.

✓

Protected Validation Started

2026-04-24T14:32:14.108Z

▸ 47 fields encoded for protected validation

All 47 MT103 fields were encoded in protected form within the originator's environment. No plaintext data left the originator boundary. Protected encoding completed in 0.4ms.

✓

Compliance Signals Evaluated

2026-04-24T14:32:17.312Z

▸ 5/5 signals passed: sanctions, beneficiary, jurisdiction, travel rule, risk

Sanctions screening: Clear (OFAC, EU, UN, HMT). Beneficiary verification: Confirmed against NXTRDEFFXXX records. Jurisdiction: US-DE corridor permitted. Travel Rule: All required originator/beneficiary fields present. Risk score: 0.12 (low).

✓

Disclosure Policy Applied

2026-04-24T14:32:17.318Z

▸ 5 fields disclosed, 42 fields proven without disclosure

Active policy (sha3-256:e4b2c9...) applied. Disclosed: originator name, originator BIC, beneficiary name, amount, payment reference. Withheld with proof: account numbers, addresses, risk assessments, source of funds, and 37 additional MT103 fields.

✓

Receipt Signed

2026-04-24T14:32:17.841Z

▸ Triple-signed with Dilithium, FALCON, and SLH-DSA

Cryptographic receipt WP-2026-04-24-0882-MRDNUS33-NXTRDEFF generated. Three independent signatures applied (three distinct hardness assumptions). Receipt anchored to H33 Substrate (74 bytes). Total validation time: 3.2ms.

→

Awaiting Settlement

2026-04-24T14:32:17.845Z

▸ Wire queued for SWIFT settlement with compressed payload

Wire submitted to SWIFT network with 5 disclosed fields plus cryptographic receipt. Receiving bank (NXTRDEFFXXX) can verify compliance proof independently. Expected settlement: T+0 (same day).