Payment integrity economics that scale with trust
JIL earns revenue when payment integrity is established - before and after every settlement. Not from per-check billing, not from token speculation, and not from subscription-only access. Every transaction that flows through the Bi-Directional Payment Integrity Network generates a transparent, auditable fee tied to a specific verification or proof operation. Compliance is embedded. Credentials are reusable. Fees are per-event and policy-driven.
How you actually pay us.
JIL doesn't run a per-seat SaaS price list and it doesn't take a percentage of your transactions. You pay per verification or per evidence package - the kind of thing your finance team already books as a per-event cost.
If you're a CFO or finance lead
Three line items, all per-event. (1) Per-attestation fee for each settlement we verify (35-90 bps, $1 minimum, negotiated by scope and volume). (2) Per-CREB(TM) bundle for retroactive evidence packages (priced like a single outside investigator workup). (3) Optional annual subscription for unlimited internal queries against your own data. No surprise overages.
If you're a procurement or vendor manager
Standard MSA + DPA, no MTL clauses, no qualified-custodian indemnities. JIL is non-custodial - we never hold your assets - so vendor onboarding fits a normal SaaS-vendor diligence template. Pricing is in the master agreement, not buried in click-through ToS. Annual tiers for institutions; per-event pricing for spike workloads.
If you're a healthcare/MCO compliance lead
You probably already pay an FWA vendor per case or per audit hour. JIL replaces 'per case' with 'per CREB(TM) bundle' - one immutable evidence package your SIU or outside counsel can use end-to-end. We model your current spend against per-bundle pricing in the security review; customers typically see 40-70% lower per-case cost once their case mix shifts to JIL.
If you're a custodian or exchange (Pre-Clearance)
Per-egress flat fee for Tier 1 (compliance-attestation only, you keep custody). Tier 2 (Sealed Escrow / Managed Egress) is priced per-volume across the transit window. Both have a per-CREB™ add-on if your customer wants the on-chain evidence package retained for their counsel. No fee on the underlying transfer itself - we don't take basis points on volume.
If you're an institutional investor evaluating JIL
Revenue is per-event, repeatable, and scales with the customer's payment / settlement volume - not with their headcount. We don't earn from token speculation, from holding customer assets, or from per-seat licensing. The economics page below has basis-point math, corridor floors, and annual-tier breakdowns.
If you're a developer or integrator
Money API calls (proof-of-funds, source-of-funds, accredited-ID, income-verify) are billed per call against an annual prepaid pool, with overflow at the per-call rate. Sandbox is free up to 10K calls/month. No platform-fee, no take-rate. Documented at /api.
How the 10% to Human Flourishing actually flows.
Most of JIL's revenue today arrives as FIAT (Stripe / wire / ACH) and never touches L1. That means the "10% of profits to Human Flourishing" commitment doesn't auto-route via L1 gas alone. We close the loop programmatically via a CFO-attested, on-chain revenue-share contract that token holders, regulators, and customers can verify without trusting JIL's internal books.
On-chain revenue-share status
Annual ledger by fiscal year
Annual rollups populate after the first fulfillment cycle lands on-chain. Each row will show the fiscal-year totals for recognized revenue, the 10% Human Flourishing obligation, USDC fulfilled to the JILHumanityVault, and any default events flagged under the permissionless mechanism. First fulfillment cycle target: Q3 2026.
Phase 1 - Q3 2026 (file now)
Monthly CFO files signed revenue attestation on-chain via RevenueShareAttestation.sol. Aprio LLP co-signs for Tier B+ public-disclosure customers. 30-day fulfillment window: JIL operating bank → Circle USDC → Humanity Vault. Default mechanism is permissionless - anyone can flag an overdue obligation.
Phase 2 - Q1 2027 (buyback layer)
Treasury ops automates the USDC → JIL purchase on Uniswap V3 / OTC. The 10% lands in the Humanity Vault as JIL tokens, creating explicit JIL buy pressure tied to revenue. Per-purchase txid referenced in the attestation; community can verify.
Phase 3 - Q3 2027 (token-pay discount)
Money API customers can pay in JIL for a 15% discount. Token-paid revenue routes through L1 natively; 10% Humanity accrual happens automatically via gas mechanics. FIAT-paid revenue continues through the Phase 1 + Phase 2 path.
What you can verify today
Once Phase 1 ships, anyone can call totalsToDate() on the attestation contract and read: total recognized revenue, total 10% obligation, total fulfilled, total defaulted (target: zero). Live data will render on this page once the contract is deployed.
Why this matters for token holders
Without programmatic accountability, "10% to Human Flourishing" is an off-chain promise that depends on trust. With it, the commitment becomes auditable on a permissionless ledger. Default events are public. Token holders can hold the company to the original economic design without trusting our internal books.
Spec + contract
Full spec at JIL_Revenue_Share_Attestation_Spec.md. Contract source at contracts/contracts/RevenueShareAttestation.sol. Pairs with JILHumanityVault (ERC-4626). Mainnet deployment of both contracts pending; see deployment runbook at docs/operations/revenue-share-mainnet-deployment-2026-05-21.md.
Treasury runs on JIL Wallet (eat our own dog food)
JIL Sovereign Tech executes monthly Humanity Vault transfers through JIL Wallet (Pillar 6) - NOT Gnosis Safe or third-party multi-sig. Every monthly transfer is a real institutional egress: routed through Pre-Clearance, screened via Wallet Intelligence, and ships a signed CREB(TM) admissible under FRE 902(14). Aprio LLP verifies each transfer through the same framework JIL's institutional-wallet customers' auditors will use. JIL is customer #1 of its own institutional wallet product.
Annual revenue-share fulfillment
Per-year aggregations from the revenue-share period ledger. Each row sums the year's recognized revenue, the USDC fulfilled to JILHumanityVault, and counts of periods filed, fulfilled, and defaulted.
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Data source: wallet.revenue_share_periods via GET /api/revenue-share/year-summary. Updated every 5 minutes via server-side cache.
How JIL earns
Three core revenue motions sit on the same production infrastructure: 273 microservices, 500+ production checks, and 14-of-20 BFT quorum. Each motion attaches a transparent, per-event fee to a specific verification or proof operation.
Live settlement attestation
35-90 basis points per settlement event, negotiated by attestation scope, corridor, and monthly volume. $1 minimum floor per event. Every event returns a cryptographic YES / NO / REVIEW verdict with an immutable on-chain attestation receipt.
Retroactive validation
Historical payment file reconstruction through the same verification engine. Starting at 5 basis points per record, scope and volume priced per engagement. JIL produces the sealed evidence; the client (or their counsel) pursues any downstream recovery. JIL never takes contingency on recovered funds.
BID API - Beneficiary Identity Dispatch
Full-stack identity verification at $0.12-$0.50 per check blended, tiered by engagement. Phone, email, and address checks at $0.03-$0.10. Person verification at $0.20-$0.75. Company and UBO checks at $1.50-$5.00.
Five framings. Each priced to its buyer.
JIL Sovereign sells under three framings that sit on the same production infrastructure - 273 microservices (11 vertical-LOB engines on the shared kernel), 10 SCN validators across 13+ jurisdictions, 14-of-20 BFT quorum, 84-claim patent portfolio (37 independent + 88 dependent, filed 2026), 500+ production checks across 16 categories. Each framing prices to its buyer: architecture to regulators, product lines to institutions, Secure Data Vault to individuals and families. Estimate columns are illustrative; final pricing is scoped per engagement.
Architecture to regulators. Product lines to institutions. Secure Data Vault to individuals and families. One platform, three economic gravities.JIL Sovereign portfolio framing
RAN, CourtChain™, PoCS, Time-Bound Sealed Escrow
RAN, CourtChain™, PoCS, Time-Bound Sealed Escrow plus cross-cutting commercial models. Architecture-tier pricing is regulator and institution-facing.
Regulatory Attestation Network (RAN)
Per-attestation for operators: $150-$500/entity (12-month credential). Regulator annual license: $500K-$2.5M/yr scoped by supervised population. Year-2 target: $10M+ ARR from agencies alone.
Thesis doc
CourtChain™
$295/record one-off, $2,500/mo firm subscription (up to 25 seats, 50 records/mo), judicial portal free for sitting judges and clerks. TAM estimate: $2-4B (AmLaw 200 + qui tam + probate).
Thesis doc
Proof-of-Compliance Settlement (PoCS)
$25K-$75K one-time setup (2-6 week deployment) + 35-90 bps per event, $1 floor. Year-1 ARR estimate $5-10M modest; network effect pulls Year-5 to settlement-scale basis points on trillions.
Thesis doc
Time-Bound Sealed Escrow
$495 + 10 bps per escrow (setup + value-based), $25K/mo+ enterprise with negotiated bps on $500M+/yr volume. TAM estimate: $4-8B (M&A + tokenized commercial paper + CBDC corridors).
Thesis doc
Three ways to engage enterprise buyers
Basis-point infrastructure ($25K-$75K setup + 35-90 bps per event), Outcome-Indexed (fee scales with attested-payment volume routed through JIL, not with downstream recovered funds), Hybrid (recurring + volume participation). Every product block maps to one of these three.
See /pricing
Pre-Settlement, Retroactive, Asset Intel, Wallet Intel, Pre-Clearance
Five productized lines plus bundle synergy. Every block above maps to one of the three commercial models on /pricing.
Pre-Settlement Attestation
Live YES/NO/REVIEW verdict before funds move. $25K-$75K setup + 35-90 bps per event. Custodian comparables: 50-200 bps. Integrated with Fireblocks, Anchorage, BitGo, Coinbase Custody.
Buy
Retroactive Verification
Pre-funded: 5 bps/record (80% off vs real-time). JIL produces the sealed evidence - the client uses it to pursue recovery through their own counsel, SIU, or regulator referral. Typical exposure surfaced: $12-21M on a 200M-record engagement at a $2.0M audit cost.
Buy
Asset Intelligence
Self-serve tiers: Standard $1,495 (72h), Enhanced $2,995 (48h), Litigator $7,995 (24h). Annual subscriptions for firms and state/federal agencies $150K-$750K.
Buy
Wallet Intelligence Engine
Developer: $0.12/check pay-as-you-go up to 100k/mo. Enterprise: $0.12-$0.50/check blended by volume above 100k/mo. Full UBO graph, cross-chain clustering, 13-chain coverage.
Buy
Secure Transport - Pre-Clearance
Custom-scoped integration (4-12 weeks), per-authorization negotiated bps. Card-network comparables: 10-300 bps per sealed authorization. Strategic terms for qualified custodians + central banks.
Buy
Pre-Settlement + Retroactive bundled
50% discount on Retroactive when committed alongside Pre-Settlement. Every Asset Intelligence customer becomes a CourtChain™ customer. Every Escrow customer needs RAN Institution Export. Cross-sell is baked into the product design.
See all 9 SKUs
$1.5M to $5M per year. Sized below VP / CCO signoff cap.
Healthcare payers (MCO, Regional Blue, hospital systems), banks, P&C carriers, government-adjacent benefits processors, and corporate treasuries buy JIL on an annual subscription with white-glove integration. Every tier sits below the next signoff threshold - Tier 4 ($5M) is set to the typical VP / CCO authority cap so contracts close in weeks, not quarters. Every fraud flag produces a CREB(TM) (Court Ready Evidence Bundle) - civil-admissible, sealed, and timestamped. We detect and notify; you handle recovery.
$1.5M / yr
Smaller regional Blue, single-state MCO, mid-size hospital system. Up to 50M tx/yr pre-scan, 500 deep-dives/yr baseline. Pure SaaS API integration - no JIL integration cost. Director / Compliance Lead signoff.
$2.5M / yr
2-5 state MCO, regional bank, multi-hospital IDN. Up to 150M tx/yr, 2,500 deep-dives/yr. Integration SOW capped at $500K (one-time). SVP / Head of Compliance signoff.
$3.5M / yr
6+ state MCO, regional Blue group, super-regional bank. Up to 300M tx/yr, 7,500 deep-dives/yr. Integration SOW capped at $1M. EVP / C-suite direct report signoff.
$5M / yr
National MCO, national Blue, money-center bank, top-5 P&C. Up to 1B tx/yr, 25,000 deep-dives/yr baseline. Integration SOW capped at $2M. Premium intel feeds (Chainalysis, Dow Jones, Refinitiv, OpenCorporates) sold a-la-carte. VP / Chief Compliance Officer signoff - no board approval required.
Retroactive Audit (Retroscan)
One-time proof-of-value engagement. Run Pillar 2 retroactive sweep on historical claims/payments. $250K for up to 50M payments, $500K for 150M, $750K for 300M. 30-60 day turnaround. 50% credits to Year-1 subscription on conversion within 90 days. Deliverable: flagged-fraud inventory + recovery recommendations + per-flag CREB(TM).
Deep-dive upcharge models
Model A per-settlement $300-$450/event (lowest commitment). Model B prepaid blocks $30K (100x) to $900K (5,000x) for up to 49% volume discount. Model C unlimited subscription +$350K - $1.25M / yr per tier (fair-use 2% of pre-scan volume). All three coexist; client switches between renewals.
Turnkey in-country deployment
The full JIL platform deployed in the customer's own infrastructure. Source escrow, perpetual sovereign licence, in-country SCN validators, post-quantum crypto, training + runbooks + incident response. Year-10 target: 20-40 live deployments, $1B+ ARR, Palantir-class multiple.
$2-5M setup
Plus $500K-$1.2M / yr operations. Single-jurisdiction pilot footprint with the core integrity layer, sovereign source escrow, and operator runbooks.
$5-15M setup
Plus $1.5-3M / yr operations. Multi-component sovereign deployment with in-country SCN validators, post-quantum crypto rotation, and regulator interfaces.
$15-40M setup
Plus $3-8M / yr operations. Full ten-component stack, dedicated incident response, sovereign-controlled key ceremony, and Palantir-class governance.
JIL Secure Data Vault
Quantum-proofed digital safe deposit box with automatic posthumous delivery. Land-and-expand ladder: Personal acquisition tier feeds Family upsell feeds Legacy upsell feeds Legacy Plus. Year-1 SDV revenue target ~$6.27M, Year-3 ~$37.4M.
$500 / yr
25 GB. 1 owner. Quantum-proofed digital safe deposit box for personal documents, credentials, and posthumous delivery configuration.
$1,200 / yr
250 GB. Up to 6 members. Family-shared vault with role-based access, posthumous triggers, and managed delivery to named beneficiaries.
$4,800 / yr
500 GB. Attorney co-administrator built in, escrowed delivery instructions, FRE 902(14) configured exports, and counsel-side workflow.
$12,000 / yr
2 TB. Family office tier. Bundles all feature packs (Video Vault Pro, Medical Records HIPAA, Business Continuity, Crypto Key, Real Estate) - $1,560 / yr value included.
Prepay and feature packs
Prepay 3-year = 15% off. 5-year = 25% off. Storage add-ons from +100 GB at $240 / yr. Feature packs: Video Vault Pro, Medical Records (HIPAA), Business Continuity, Crypto Key, Real Estate.
Year-1 $20-30M, Year-3 $150-250M, Year-10 $1B+ ARR
Where every dollar goes
Settlement Integrity Fees to JIL Operations
100% of settlement integrity fees fund JIL operations - SCN validator infrastructure, attestation services, compliance stack maintenance, and protocol development. No LP splits. No token burns. Every fee maps to a system operation.
Human Flourishing
10% of JIL's profits across all fee types are allocated to Human Flourishing initiatives. Anti-trafficking, financial inclusion, and economic empowerment - funded from our revenue, not a tax on clients.
Know your sector's baseline before you run the numbers
Every sector below has documented settlement-layer fraud exposure. JIL's attestation layer addresses the gap between detection and prevention - where 65-80% of annual losses originate.
Banking and fintech settlement
$30B+ annual fraud exposure. No cryptographic beneficiary binding. Format-only validation on wire, ACH, and check rails.
Why JIL fits: Beneficiary binding, BEC block, funding-path verification, source-rail authentication, duplicate detection before settlement.
Run the ROI model
Insurance claims and premium settlement
$221B+ annual fraud. No contractor credentialing at disbursement. Post-disaster surge bypasses review entirely.
Why JIL fits: Contractor credentialing, SDV binding, payment-origin verification, anomaly detection, duplicate prevention.
Run the ROI model
Merchant and card-ecosystem vendor settlement
$145B+ annual exposure. Reversible settlement with no cryptographic proof record at payment time. 70% of chargebacks estimated fraudulent.
Why JIL fits: Proof-backed finality, funding-path tracing, fraudulent reversal blocked, BEC vendor protection.
Run the ROI model
Payroll and workforce disbursement
Ghost employees, redirected direct deposits, and contractor impersonation. No identity binding at the disbursement layer.
Why JIL fits: Counterparty verification, source-institution validation, credential-bound payees, duplicate detection.
Run the ROI model
Treasury and cross-border enterprise settlement
Multi-jurisdiction wire fraud, correspondent banking opacity, and BEC targeting CFO/treasury functions. Recovery rate below 18%.
Why JIL fits: Corridor controls, sanctions enforcement, source-rail authentication, payment-origin verification, policy-aware routing before funds move.
Run the ROI model
NGO, ministry, and humanitarian disbursement
Aid diversion, phantom beneficiaries, and opaque last-mile delivery. No attestation layer between allocation and disbursement.
Why JIL fits: Humanitarian routing, funding-path tracing, beneficiary binding, SDV documentation, immutable audit trail.
Run the ROI model
Why JIL fits
Bi-directional verification
Every payment receives a signed verdict before funds move (outbound integrity) and cryptographic proof after settlement (inbound proof). Results returned via API.
Counterparty and corridor controls
Beneficiary binding, BEC protection, and jurisdiction-level corridor rules enforced before settlement. Ghost vendors and impersonated payees are flagged in the attestation record before settlement - your system acts on the result.
Process-enforced routing
The Automated Transaction Compliance Engine (ATCE) enforces attestation checks per jurisdiction, corridor, and institution. Results are signed, recorded, and returned to your routing system via API.
Unified auditable ledger
Every settlement event produces a cryptographic attestation with SCN validator signatures, ledger state hash, and full transaction lineage. Compliance evidence is generated at settlement, not reconstructed later.
Deterministic receipts
Finality receipts are immutable, verifiable, and tied to specific attestation events. No hidden spreads, no opaque bundling. Every fee maps to a system operation.
Humanitarian routing
10% of JIL's profits are allocated to Human Flourishing initiatives - funded from JIL's own revenue, not a tax on clients. Impact scales with adoption.
Estimate your sector ROI
Select your payment environment and run an interactive model with your own volume, fraud exposure, and corridor assumptions. See how bi-directional payment integrity changes the economics.
Request a briefing
One mailbox for sovereign principal briefings, regulator desk, and operator inquiries. Response within one business day.
Schedule a call
For confidential institutional inquiries. Routed to the partner desk for sovereign diligence and Commons-anchor conversations.