{"type":"BuyerProtectionMerchantAssuranceContract","schemaVersion":"2026-08-13","stage":"pre_pilot","endpoint":"https://buyerprotection.com.au/api/v1/assurance/envelopes","verification":"https://buyerprotection.com.au/api/v1/assurance/envelopes/verify","schema":"https://buyerprotection.com.au/schemas/merchant-assurance-envelope/v1","authentication":"partner-specific bearer key","proofType":"BPMAE+JWS","states":["unknown","identity_verified","commerce_observed","review_required","revoked"],"permittedPurposes":["complaint_investigation","merchant_onboarding","payment_investigation","scam_prevention","unfamiliar_payee_review"],"inputs":["merchantPublicId","purpose","requestId","domain","payeeName","statementDescriptor"],"dataReturned":["match states","evidence scope and age","registry digest","observation gates","decision boundaries","short-lived signature"],"dataNotReturned":["bank account numbers","raw stored payment names","buyer identity","card data","customer address","raw Shopify payloads"],"decisionOwner":"requesting_partner","adverseDecision":false,"programmeAvailability":"controlled design-partner access only","readiness":{"type":"BuyerProtectionMerchantAssuranceReadiness","schemaVersion":"2026-08-13","stage":"pre_pilot","accessConfigured":false,"activeAccessKeys":0,"keyConfigurationValid":true,"signingConfigured":true,"tenantScope":"explicit_merchant_allowlist","purposeBinding":true,"wildcardMerchantScopeAllowed":false,"queryAudit":"keyed_digests_only","distributedRateLimit":false,"productionScaleReady":false,"error":"","boundaries":["This pre-pilot contract is not an SPF compliance certification, credit score, insurance decision or payment approval.","Production access requires a named data owner, purpose schedule, retention schedule, security review and tenant-isolation test."]}}