{
  "contract_id": "coverintent-network-clearing-v1",
  "graph_version": "coverintent-clearing-graph-v5",
  "enabled": true,
  "purpose": "connect_one_permissioned_intent_to_one_verified_seller_and_return_the_response_to_origin",
  "terms": {
    "schema_version": "coverintent-network-seller-terms-v1",
    "graph_version": "coverintent-clearing-graph-v5",
    "price_code": "introductory-usd-1-v1",
    "payer": "SellerOrganization",
    "amount_minor": 100,
    "human_amount_minor": 0,
    "currency": "USD",
    "asset": "one_time_limited_original_mandate_authorized_response_right",
    "seller_count": 1,
    "response_right_limit": 1,
    "charge_limit_per_case": 1,
    "reservation_window": "PT24H",
    "response_window": "PT48H",
    "response_window_begins_after": "authoritative_seller_payment_and_response_grant",
    "preview_before_payment": [
      "jurisdiction",
      "line",
      "requested_action",
      "market_area_code",
      "coverage_start_band"
    ],
    "disclosed_after_settlement": [
      "schema_version",
      "jurisdiction",
      "line",
      "requested_action",
      "scope_template_id",
      "market_area_code",
      "coverage_start_band",
      "vehicle_count_band",
      "vehicle_year_band",
      "vehicle_type_code",
      "driver_count_band",
      "youngest_driver_age_band",
      "annual_mileage_band",
      "current_insurance_status",
      "incident_count_band",
      "vehicle_use_code",
      "coverage_preference"
    ],
    "identity_disclosure": false,
    "direct_contact_permission": false,
    "resale_authority": false,
    "marketing_authority": false,
    "response_schema_version": "1.1",
    "response_outcome_codes": [
      "ready_for_mediated_intake",
      "needs_non_identifying_facts",
      "unable_to_serve"
    ],
    "payment_trigger": "seller_commitment",
    "payment_capture": "automatic_off_session",
    "fee_earned_after": "originating_demand_agent_retrieves_exact_response",
    "refund_due_on": [
      "unused_response_grant_expiry",
      "seller_withdrawal_after_payment"
    ],
    "decline_reason_codes": [
      "outside_current_appetite",
      "carrier_capacity_unavailable",
      "credential_or_appointment_changed"
    ],
    "no_resale_terms": "coverintent-no-resale-v1"
  },
  "terms_sha256": "807f0b14ffe1c2005e1736b4fa1e918dc450a07a88292248e4ceacee046b8b77",
  "selection": {
    "policy": "coverintent-network-selection-v1",
    "inputs": [
      "jurisdiction",
      "line",
      "requested_action",
      "current_independent_verification",
      "signed_appetite",
      "available_case_slots",
      "exact_usd_1_ceiling",
      "accountable_licensed_producer"
    ],
    "rank": "sha256(case_id NUL organization_id) ascending among eligible organizations not previously released on this case and below capacity",
    "never": [
      "auction",
      "expected_premium",
      "inferred_consumer_value",
      "protected_trait",
      "likelihood_to_bind",
      "broadcast"
    ],
    "simultaneous_reservations_per_intent": 1,
    "reoffer": "sequential; only after seller.declined or opportunity.expired; never to the same seller"
  },
  "seller_interface": {
    "offers": {
      "method": "GET",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/offers",
      "authorization": "organization_bearer",
      "shows": "preview and exact terms only"
    },
    "offer": {
      "method": "GET",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/offers/{case_id}",
      "authorization": "organization_bearer"
    },
    "commit": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/offers/{case_id}/commit",
      "authorization": "organization_bearer_plus_delegate_Ed25519",
      "schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "schema_version",
          "idempotency_key",
          "action",
          "delegate_handle",
          "payload",
          "delegate_envelope"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-seller-action-v1"
          },
          "idempotency_key": {
            "type": "string",
            "format": "uuid"
          },
          "action": {
            "const": "offer.commit"
          },
          "delegate_handle": {
            "type": "string",
            "pattern": "^[a-z][a-z0-9_-]{2,63}$",
            "description": "The active LicensedProducer or SellerAgent handle from the organization publication."
          },
          "payload": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "case_id",
              "offer_id",
              "offer_digest",
              "amount_minor",
              "currency",
              "price_code",
              "response_right_limit",
              "reservation_expires_at"
            ],
            "properties": {
              "case_id": {
                "type": "string",
                "pattern": "^cic_[A-Za-z0-9_-]+$"
              },
              "offer_id": {
                "type": "string",
                "pattern": "^nof_[a-f0-9]{32}$"
              },
              "offer_digest": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$"
              },
              "amount_minor": {
                "const": 100
              },
              "currency": {
                "const": "USD"
              },
              "price_code": {
                "const": "introductory-usd-1-v1"
              },
              "response_right_limit": {
                "const": 1
              },
              "reservation_expires_at": {
                "type": "string",
                "format": "date-time"
              }
            }
          },
          "delegate_envelope": {
            "type": "object",
            "description": "coverintent-seller-control-v1 envelope signed by the delegate key over action=offer.commit, audience=<origin>, organization_id, expected_revision=<current revision>, payload_sha256=sha256(canonical(payload))."
          },
          "organization_envelope": {
            "type": "object",
            "description": "Required only when the organization purchase policy mode is per_offer for offer.commit: the same statement signed by the organization control key."
          }
        }
      }
    },
    "decline": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/offers/{case_id}/decline",
      "authorization": "organization_bearer_plus_delegate_Ed25519",
      "schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "schema_version",
          "idempotency_key",
          "action",
          "delegate_handle",
          "payload",
          "delegate_envelope"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-seller-action-v1"
          },
          "idempotency_key": {
            "type": "string",
            "format": "uuid"
          },
          "action": {
            "const": "offer.decline"
          },
          "delegate_handle": {
            "type": "string",
            "pattern": "^[a-z][a-z0-9_-]{2,63}$",
            "description": "The active LicensedProducer or SellerAgent handle from the organization publication."
          },
          "payload": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "case_id",
              "offer_id",
              "offer_digest",
              "reason_code"
            ],
            "properties": {
              "case_id": {
                "type": "string"
              },
              "offer_id": {
                "type": "string"
              },
              "offer_digest": {
                "type": "string"
              },
              "reason_code": {
                "enum": [
                  "outside_current_appetite",
                  "carrier_capacity_unavailable",
                  "credential_or_appointment_changed"
                ]
              }
            }
          },
          "delegate_envelope": {
            "type": "object",
            "description": "coverintent-seller-control-v1 envelope signed by the delegate key over action=offer.decline, audience=<origin>, organization_id, expected_revision=<current revision>, payload_sha256=sha256(canonical(payload))."
          },
          "organization_envelope": {
            "type": "object",
            "description": "Required only when the organization purchase policy mode is per_offer for offer.commit: the same statement signed by the organization control key."
          }
        }
      }
    },
    "case": {
      "method": "GET",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/cases/{case_id}",
      "authorization": "organization_bearer",
      "shows": "full non-identifying packet and one response capability only after authoritative settlement"
    },
    "acknowledge": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/cases/{case_id}/acknowledge",
      "authorization": "organization_bearer_plus_delegate_Ed25519_plus_x-coverintent-response-capability",
      "schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "schema_version",
          "idempotency_key",
          "action",
          "delegate_handle",
          "payload",
          "delegate_envelope"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-seller-action-v1"
          },
          "idempotency_key": {
            "type": "string",
            "format": "uuid"
          },
          "action": {
            "const": "response.acknowledge"
          },
          "delegate_handle": {
            "type": "string",
            "pattern": "^[a-z][a-z0-9_-]{2,63}$",
            "description": "The active LicensedProducer or SellerAgent handle from the organization publication."
          },
          "payload": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "case_id",
              "grant_receipt_id",
              "response_capability_sha256"
            ],
            "properties": {
              "case_id": {
                "type": "string"
              },
              "grant_receipt_id": {
                "type": "string"
              },
              "response_capability_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$"
              }
            }
          },
          "delegate_envelope": {
            "type": "object",
            "description": "coverintent-seller-control-v1 envelope signed by the delegate key over action=response.acknowledge, audience=<origin>, organization_id, expected_revision=<current revision>, payload_sha256=sha256(canonical(payload))."
          },
          "organization_envelope": {
            "type": "object",
            "description": "Required only when the organization purchase policy mode is per_offer for offer.commit: the same statement signed by the organization control key."
          }
        }
      }
    },
    "response": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/cases/{case_id}/response",
      "authorization": "organization_bearer_plus_delegate_Ed25519_plus_x-coverintent-response-capability",
      "schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "schema_version",
          "idempotency_key",
          "action",
          "delegate_handle",
          "payload",
          "delegate_envelope"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-seller-action-v1"
          },
          "idempotency_key": {
            "type": "string",
            "format": "uuid"
          },
          "action": {
            "const": "response.submit"
          },
          "delegate_handle": {
            "type": "string",
            "pattern": "^[a-z][a-z0-9_-]{2,63}$",
            "description": "The active LicensedProducer or SellerAgent handle from the organization publication."
          },
          "payload": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "case_id",
              "grant_receipt_id",
              "response_capability_sha256",
              "response"
            ],
            "properties": {
              "case_id": {
                "type": "string"
              },
              "grant_receipt_id": {
                "type": "string"
              },
              "response_capability_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$"
              },
              "response": {
                "type": "object",
                "description": "The closed v1.1 seller response: outcome_code, fact_request_codes, terminal_reason_code, service_path_code, response_time_band, coverage_option_codes, indication_only=true, optional indicative_premium_band. No free text, identity, contact, URL, price or quote."
              }
            }
          },
          "delegate_envelope": {
            "type": "object",
            "description": "coverintent-seller-control-v1 envelope signed by the delegate key over action=response.submit, audience=<origin>, organization_id, expected_revision=<current revision>, payload_sha256=sha256(canonical(payload))."
          },
          "organization_envelope": {
            "type": "object",
            "description": "Required only when the organization purchase policy mode is per_offer for offer.commit: the same statement signed by the organization control key."
          }
        }
      }
    },
    "withdraw": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/seller-organizations/{organization_id}/cases/{case_id}/withdraw",
      "authorization": "organization_bearer_plus_delegate_Ed25519_plus_x-coverintent-response-capability",
      "schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "schema_version",
          "idempotency_key",
          "action",
          "delegate_handle",
          "payload",
          "delegate_envelope"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-seller-action-v1"
          },
          "idempotency_key": {
            "type": "string",
            "format": "uuid"
          },
          "action": {
            "const": "response.withdraw"
          },
          "delegate_handle": {
            "type": "string",
            "pattern": "^[a-z][a-z0-9_-]{2,63}$",
            "description": "The active LicensedProducer or SellerAgent handle from the organization publication."
          },
          "payload": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "case_id",
              "grant_receipt_id",
              "response_capability_sha256"
            ],
            "properties": {
              "case_id": {
                "type": "string"
              },
              "grant_receipt_id": {
                "type": "string"
              },
              "response_capability_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$"
              }
            }
          },
          "delegate_envelope": {
            "type": "object",
            "description": "coverintent-seller-control-v1 envelope signed by the delegate key over action=response.withdraw, audience=<origin>, organization_id, expected_revision=<current revision>, payload_sha256=sha256(canonical(payload))."
          },
          "organization_envelope": {
            "type": "object",
            "description": "Required only when the organization purchase policy mode is per_offer for offer.commit: the same statement signed by the organization control key."
          }
        }
      }
    },
    "delegate_envelope": {
      "schema_version": "coverintent-seller-control-v1",
      "signing_input": "coverintent-seller-control-v1 NUL canonical_json({schema_version, action, audience, organization_id, expected_revision, payload_sha256, key_fingerprint_sha256, issued_at, expires_at, nonce})",
      "audience": "https://coverintent-network.onrender.com",
      "expected_revision": "the organization revision shown by the private status route",
      "window_seconds": 900
    }
  },
  "origin_interface": {
    "status": {
      "method": "GET",
      "url_template": "https://coverintent-network.onrender.com/v3/intent-candidates/{candidate_id}",
      "authorization": "Bearer status capability"
    },
    "outcome": {
      "method": "GET",
      "url_template": "https://coverintent-network.onrender.com/v3/intent-candidates/{candidate_id}/outcome",
      "header": "x-coverintent-outcome-capability"
    },
    "pull": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/intent-candidates/{candidate_id}/outcome/pull",
      "header": "x-coverintent-outcome-capability",
      "body_schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "canonicalization",
          "public_key",
          "schema_version",
          "signature",
          "statement",
          "statement_sha256"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-origin-outcome-pull-v1"
          },
          "canonicalization": {
            "const": "coverintent-lexicographic-json-v1"
          },
          "public_key": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "algorithm",
              "encoding",
              "fingerprint_sha256",
              "value"
            ],
            "properties": {
              "algorithm": {
                "const": "Ed25519"
              },
              "encoding": {
                "const": "spki-der-base64url"
              },
              "fingerprint_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$"
              },
              "value": {
                "type": "string"
              }
            }
          },
          "statement": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "audience",
              "candidate_id",
              "expires_at",
              "issued_at",
              "nonce",
              "origin_key_fingerprint_sha256",
              "purpose",
              "schema_version"
            ],
            "properties": {
              "schema_version": {
                "const": "coverintent-origin-outcome-pull-v1"
              },
              "purpose": {
                "const": "pull_outcome"
              },
              "audience": {
                "type": "string",
                "format": "uri",
                "description": "Exactly the origin plus the pull or ack path for this candidate."
              },
              "candidate_id": {
                "type": "string",
                "pattern": "^cic_[A-Za-z0-9_-]+$"
              },
              "origin_key_fingerprint_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$",
                "description": "The fingerprint precommitted at mandate promotion."
              },
              "issued_at": {
                "type": "string",
                "format": "date-time"
              },
              "expires_at": {
                "type": "string",
                "format": "date-time",
                "description": "Exactly 10 minutes after issued_at."
              },
              "nonce": {
                "type": "string",
                "description": "16 to 32 random bytes in canonical base64url."
              }
            }
          },
          "statement_sha256": {
            "type": "string",
            "pattern": "^[a-f0-9]{64}$"
          },
          "signature": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "algorithm",
              "encoding",
              "value"
            ],
            "properties": {
              "algorithm": {
                "const": "Ed25519"
              },
              "encoding": {
                "const": "base64url"
              },
              "value": {
                "type": "string"
              }
            }
          }
        }
      },
      "signing_input": "coverintent-origin-outcome-pull-v1 NUL canonical_json(statement)",
      "earns_fee": "yes, when a paid seller response is returned"
    },
    "acknowledge": {
      "method": "POST",
      "url_template": "https://coverintent-network.onrender.com/v3/intent-candidates/{candidate_id}/outcome/ack",
      "header": "x-coverintent-outcome-capability",
      "body_schema": {
        "type": "object",
        "additionalProperties": false,
        "required": [
          "canonicalization",
          "public_key",
          "schema_version",
          "signature",
          "statement",
          "statement_sha256"
        ],
        "properties": {
          "schema_version": {
            "const": "coverintent-origin-outcome-ack-v1"
          },
          "canonicalization": {
            "const": "coverintent-lexicographic-json-v1"
          },
          "public_key": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "algorithm",
              "encoding",
              "fingerprint_sha256",
              "value"
            ],
            "properties": {
              "algorithm": {
                "const": "Ed25519"
              },
              "encoding": {
                "const": "spki-der-base64url"
              },
              "fingerprint_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$"
              },
              "value": {
                "type": "string"
              }
            }
          },
          "statement": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "audience",
              "candidate_id",
              "expires_at",
              "issued_at",
              "nonce",
              "origin_key_fingerprint_sha256",
              "outcome_return_receipt_id",
              "purpose",
              "read_receipt",
              "schema_version"
            ],
            "properties": {
              "schema_version": {
                "const": "coverintent-origin-outcome-ack-v1"
              },
              "purpose": {
                "const": "acknowledge_outcome"
              },
              "audience": {
                "type": "string",
                "format": "uri",
                "description": "Exactly the origin plus the pull or ack path for this candidate."
              },
              "candidate_id": {
                "type": "string",
                "pattern": "^cic_[A-Za-z0-9_-]+$"
              },
              "origin_key_fingerprint_sha256": {
                "type": "string",
                "pattern": "^[a-f0-9]{64}$",
                "description": "The fingerprint precommitted at mandate promotion."
              },
              "issued_at": {
                "type": "string",
                "format": "date-time"
              },
              "expires_at": {
                "type": "string",
                "format": "date-time",
                "description": "Exactly 10 minutes after issued_at."
              },
              "nonce": {
                "type": "string",
                "description": "16 to 32 random bytes in canonical base64url."
              },
              "outcome_return_receipt_id": {
                "type": "string",
                "pattern": "^ctr_[a-f0-9]{32}$"
              },
              "read_receipt": {
                "type": "string",
                "pattern": "^orr_[A-Za-z0-9_-]+$"
              }
            }
          },
          "statement_sha256": {
            "type": "string",
            "pattern": "^[a-f0-9]{64}$"
          },
          "signature": {
            "type": "object",
            "additionalProperties": false,
            "required": [
              "algorithm",
              "encoding",
              "value"
            ],
            "properties": {
              "algorithm": {
                "const": "Ed25519"
              },
              "encoding": {
                "const": "base64url"
              },
              "value": {
                "type": "string"
              }
            }
          }
        }
      },
      "signing_input": "coverintent-origin-outcome-ack-v1 NUL canonical_json(statement)"
    },
    "assurance": "the outcome capability proves possession by the originating session; the Ed25519 signature proves control of the key precommitted at mandate promotion; neither proves biological identity",
    "human_reconfirmation_required": false
  },
  "money": {
    "settlement": "Stripe PaymentIntent for exactly 100 USD minor units against the organization Customer and PaymentMethod bound at enrollment; off-session; no charge to the human",
    "fee_states": [
      "not_charged",
      "payment_pending",
      "payment_reconciliation_pending",
      "settled_pending_origin_delivery",
      "earned_after_origin_delivery",
      "refund_due",
      "refund_submitted",
      "refunded"
    ],
    "refund": "unused paid rights and post-payment withdrawals become refund_due, then provider-observed refunded"
  }
}