{
  "subject": {
    "type": "human",
    "id": "user_003"
  },
  "action": "payout.initiate",
  "resource": {
    "type": "payout",
    "id": "po_1003"
  },
  "policy": {
    "policy_v": "v0",
    "scopes": [
      "payout:create"
    ],
    "constraints": {
      "max_amount_cents": 250000,
      "currency_allowlist": [
        "USD"
      ],
      "merchant_allowlist": [
        "m_gamma"
      ]
    }
  },
  "result": {
    "decision": "step_up",
    "reason_codes": [
      "mfa_required"
    ]
  },
  "hashes": {
    "input_hash": "1c315ef5dd2ccbfceda4f71626168e958fe56728346c930973279489187a0567",
    "output_hash": "267ed91b7390bd06f6daafce59bfd634feeb3d395938f174c32165b3b5a49794"
  },
  "timestamp": "2026-02-24T12:02:00Z",
  "jti": "jti_v003_stepup_basic",
  "chain": {
    "prev_hash": "0000000000000000000000000000000000000000000000000000000000000000",
    "entry_hash": "2ab3420d217336efde422d22150e7e26c69c7c35f973fd890f59fafd4457b79f"
  }
}