{
  "id": "verify_person_synthetic",
  "borrower_id": "bor_consumer_synthetic",
  "subject_id": "person_synthetic",
  "definition_version": "2026-11-06.1",
  "as_of": "2026-11-06T12:00:00Z",
  "status": "partial",
  "outcome": "review_required",
  "summary": "Synthetic identity document matched; a screening candidate remains unreviewed. No lender decision is made.",
  "sources": [
    {
      "id": "src_verification_synthetic",
      "kind": "identity_verification",
      "display_name": "Synthetic identity source",
      "jurisdictions": [
        "CA-AB"
      ],
      "reference": "report_synthetic",
      "reported_status": "in_review",
      "requested_at": "2026-11-06T12:00:00Z",
      "completed_at": "2026-11-06T12:00:00Z",
      "as_of": "2026-11-06T12:00:00Z",
      "coverage": {
        "status": "complete",
        "requested_scopes": [
          "identity",
          "sanctions"
        ],
        "completed_scopes": [
          "identity",
          "sanctions"
        ],
        "limitations": []
      },
      "document_ids": [],
      "warnings": [
        "Required people not supplied."
      ],
      "errors": []
    }
  ],
  "ownership_resolution": {
    "status": "not_applicable",
    "reason": "Individual borrower; ownership is not required for this example.",
    "unresolved_subject_ids": [],
    "ownership_basis": "unknown",
    "known_share": null,
    "unknown_share": null
  },
  "documents": [],
  "checks": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "check_id_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/original_provider_status",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/method",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/required",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/policy_version",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/expires_at",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/override",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "kind": "identity",
        "state": "completed",
        "outcome": "passed",
        "provider_status": "approved",
        "original_provider_status": null,
        "reason_codes": [],
        "summary": "Synthetic document comparison completed.",
        "method": null,
        "required": null,
        "policy_version": null,
        "completed_at": "2026-11-06T12:00:00Z",
        "expires_at": null,
        "item_ids": [
          "id_document_synthetic"
        ],
        "override": null
      },
      {
        "id": "check_aml_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/original_provider_status",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/method",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/required",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/policy_version",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/expires_at",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/override",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "kind": "sanctions",
        "state": "completed",
        "outcome": "review_required",
        "provider_status": "in_review",
        "original_provider_status": null,
        "reason_codes": [],
        "summary": "A candidate match requires review.",
        "method": null,
        "required": null,
        "policy_version": null,
        "completed_at": "2026-11-06T12:00:00Z",
        "expires_at": null,
        "item_ids": [
          "screening_synthetic"
        ],
        "override": null
      }
    ]
  },
  "businesses": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "persons": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "person_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "document_extracted",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/middle_names",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/date_of_birth",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/country_of_birth",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "full_name": "Synthetic Example Person",
        "given_names": "Synthetic",
        "middle_names": null,
        "family_name": "Person",
        "aliases": [],
        "date_of_birth": null,
        "nationalities": [],
        "country_of_birth": null,
        "identifiers": [],
        "address_ids": [],
        "identity_check_ids": [
          "check_id_synthetic"
        ],
        "identity_assurance": "documentary"
      }
    ]
  },
  "registrations": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "addresses": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "relationships": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "ownership": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "identity_documents": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "id_document_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/document_subtype",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/nfc",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/wallet",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/document_id",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "document_type": "Passport",
        "document_subtype": null,
        "identifier": {
          "scheme": "passport",
          "value": null,
          "masked_value": "*****0123",
          "country": "CA",
          "jurisdiction": null,
          "disclosure": "masked",
          "reason": "Personal document identifiers are minimized."
        },
        "issuing_country": "CA",
        "issued_on": "2024-01-01",
        "expires_on": "2034-01-01",
        "holder_subject_id": "person_synthetic",
        "method": "document",
        "assurance": "documentary",
        "authenticity": "passed",
        "extracted_fields": [],
        "quality_scores": [],
        "nfc": null,
        "wallet": null,
        "document_id": null,
        "reason_codes": []
      }
    ]
  },
  "biometrics": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "liveness_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/consent_reference",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "kind": "liveness",
        "method": "passive",
        "outcome": "passed",
        "score": {
          "value": 96,
          "scale_min": 0,
          "scale_max": 100,
          "direction": "higher_is_more_assurance",
          "label": "Synthetic similarity only",
          "method": "synthetic-method-1"
        },
        "threshold": 80,
        "reason_codes": [],
        "comparison_subject_ids": [],
        "consent_reference": null
      }
    ]
  },
  "screenings": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "screening_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/dataset_updated_at",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/ongoing_monitoring",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/last_rescreened_at",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "kind": "sanctions",
        "state": "completed",
        "result": "potential_match",
        "coverage": {
          "status": "complete",
          "requested_scopes": [
            "synthetic_sanctions_dataset"
          ],
          "completed_scopes": [
            "synthetic_sanctions_dataset"
          ],
          "limitations": []
        },
        "screened_values": [],
        "hits": [
          {
            "id": "hit_synthetic",
            "category": "sanctions",
            "matched_name": "Synthetic Similar Name",
            "aliases": [],
            "list_name": "Synthetic screening dataset",
            "list_authority": null,
            "source_record_reference": "source_hit_synthetic",
            "source_url": null,
            "match_score": {
              "value": 82,
              "scale_min": 0,
              "scale_max": 100,
              "direction": "higher_is_stronger_match",
              "label": "Synthetic similarity only",
              "method": "synthetic-method-1"
            },
            "risk_score": null,
            "disposition": "unreviewed",
            "reviewed_at": null,
            "review_reason": null,
            "first_seen_at": null,
            "last_seen_at": null,
            "properties": [],
            "evidence": [
              {
                "evidence_id": "ev_verification_synthetic",
                "data_record_id": "dr_verification_source_synthetic",
                "source_path": "/aml_screenings/0/hits/0",
                "document_id": null,
                "page": null
              }
            ]
          }
        ],
        "reported_hit_count": 1,
        "returned_hit_count": 1,
        "screened_at": "2026-11-06T12:00:00Z",
        "dataset_updated_at": null,
        "ongoing_monitoring": null,
        "last_rescreened_at": null
      }
    ]
  },
  "tax_checks": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "licences": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "filings": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "corporate_structure": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "public_records": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "online_presence": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "contact_checks": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "contact_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/disposable",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/virtual",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/free_domain",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/carrier",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/carrier_type",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/country",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/ported",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/recently_ported",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/breached",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/breach_count",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "kind": "email",
        "value": "synthetic@example.com",
        "method": "otp",
        "outcome": "passed",
        "verified_at": "2026-11-06T12:00:00Z",
        "attempts": 1,
        "deliverable": true,
        "disposable": null,
        "virtual": null,
        "free_domain": null,
        "carrier": null,
        "carrier_type": null,
        "country": null,
        "ported": null,
        "recently_ported": null,
        "breached": null,
        "breach_count": null,
        "reason_codes": []
      }
    ]
  },
  "device_checks": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "document_checks": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "bank_account_checks": {
    "status": "available",
    "reason": null,
    "explanation": "Synthetic observations; availability does not mean a passing result.",
    "coverage": {
      "status": "complete",
      "requested_scopes": [
        "synthetic_requested_scope"
      ],
      "completed_scopes": [
        "synthetic_requested_scope"
      ],
      "limitations": []
    },
    "items": [
      {
        "id": "bank_owner_synthetic",
        "subject_id": "person_synthetic",
        "provenance": {
          "basis": "provider_verified",
          "source_id": "src_verification_synthetic",
          "observed_at": "2026-11-06T12:00:00Z",
          "retrieved_at": "2026-11-06T12:00:00Z",
          "evidence": [
            {
              "evidence_id": "ev_verification_synthetic",
              "data_record_id": "dr_verification_source_synthetic",
              "source_path": null,
              "document_id": null,
              "page": null
            }
          ],
          "field_evidence": []
        },
        "missing_fields": [
          {
            "path": "/account_reference",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          },
          {
            "path": "/match_score",
            "reason": "not_provided",
            "description": "This synthetic source does not supply this field."
          }
        ],
        "supplemental_facts": [],
        "account_reference": null,
        "masked_account_number": "*****0123",
        "institution_name": "Synthetic Bank",
        "country": "CA",
        "holder_names": [
          "Synthetic Example Person"
        ],
        "reference_identity_name": "Synthetic Example Person",
        "method": "account_check",
        "result": "matched",
        "match_score": null,
        "verified_at": "2026-11-06T12:00:00Z",
        "reason_codes": []
      }
    ]
  },
  "questionnaires": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "signatures": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "field_comparisons": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "source_scores": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  },
  "duplicate_checks": {
    "status": "unavailable",
    "reason": "not_requested",
    "explanation": "No result included in this synthetic example.",
    "coverage": {
      "status": "not_requested",
      "requested_scopes": [],
      "completed_scopes": [],
      "limitations": [
        "No completed check is claimed."
      ]
    },
    "items": []
  }
}