CLAWBACK · -$966.00
Mortgage Broking · Khan — $920k OO (Apex)
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Provable Attribution chain
Receipt A1Q9X2K
Provable Attribution Receipt
A1Q9X2K
Mathew Punter Aisha K.
Apex Mortgages
Mortgage Broking
Handshake completeness
100%
8 of 5 core handshakes
1
Referrer intent signed
15/11/2025 09:23
"Hey, I referred you"
Biometric-bound
Independently witnessed · period #0
signed by Mathew Punter
device Mathew's iPhone 15 Pro · iOS Secure Enclave
sig (ES256) sig_es256_intent_a1q9x…d5f7a9c1
event hash eh_intent_a1q9x2k_a5b7…c7d9e1f3
prev hash (genesis of this receipt)
2
Referee acknowledged
15/11/2025 09:31
"Yes, I got that referral"
Biometric-bound
Independently witnessed · period #0
signed by Aisha Khan
device Aisha's iPhone · iOS Secure Enclave
sig (ES256) sig_es256_ack_a1q9x2k_…b0c2d4e6
event hash eh_ack_a1q9x2k_b6c8d0e…d8e0f2a4
prev hash eh_intent_a1q9x2k_a5b7…c7d9e1f3
3a
Partner intake witnessed
17/11/2025 11:00
"Partner confirmed lead in"
Biometric-bound
Independently witnessed · period #0
signed by Sarah Chen (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_intake_a1q9x…c1d3e5f7
event hash eh_intake_a1q9x2k_c7d9…e9f1a3b5
prev hash eh_ack_a1q9x2k_b6c8d0e…d8e0f2a4
3c
Partner settlement witnessed
21/11/2025 08:13
"Yes, that referral converted"
Biometric-bound
Independently witnessed · period #0
signed by Sarah Chen (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_settle_a1q9x…d2e4f6a8
event hash eh_settle_a1q9x2k_d8e0…f0a2b4c6
prev hash eh_intake_a1q9x2k_c7d9…e9f1a3b5
4
Referee confirmed outcome
23/11/2025 18:42
"Yes, Mathew deserves their commission"
Biometric-bound
Independently witnessed · period #0
signed by Aisha Khan
device Aisha's iPhone · iOS Secure Enclave
sig (ES256) sig_es256_outcome_a1q9…f5a7b9c1
event hash eh_outcome_a1q9x2k_e9f…a1b3c5d7
prev hash eh_settle_a1q9x2k_d8e0…f0a2b4c6
5
Heartbeat received
21/12/2025 08:00
"Loan still active"
Biometric-bound
Independently witnessed · period #1
signed by Sarah Chen (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_hb_a1q9x2k_a…a6b8c0d2
event hash eh_hb1_a1q9x2k_f0a2b4c…b2c4d6e8
prev hash eh_outcome_a1q9x2k_e9f…a1b3c5d7
5
Heartbeat received
21/01/2026 08:00
"Loan still active"
Biometric-bound
Independently witnessed · period #2
signed by Sarah Chen (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_hb2_a1q9x2k_…b7c9d1e3
event hash eh_hb2_a1q9x2k_a1b3c5d…c3d5e7f9
prev hash eh_hb1_a1q9x2k_f0a2b4c…b2c4d6e8
!
Clawback triggered
22/04/2026 08:00
"Refinance / cooling-off"
Biometric-bound
Independently witnessed · period #5
signed by Sarah Chen (Apex Mortgages)
device Sarah Chen (Apex) · iOS Secure Enclave
sig (ES256) sig_es256_clawback_a1q…c8d0e2f4
event hash eh_clawback_a1q9x2k_b2…d4e6f8a0
prev hash eh_hb2_a1q9x2k_a1b3c5d…c3d5e7f9
Zero-knowledge witness proofs from partner
Lead-received proof
Verified
algorithm GROTH16 (zero-knowledge)
agent WA-APEX-001 v1.4.2
Settlement proof
Verified
algorithm GROTH16 (zero-knowledge)
agent WA-APEX-001 v1.4.2
value bucket $900,000.00–$950,000.00 (exact value never revealed)
category MORTGAGE_OO
status ACTIVE
Status heartbeat
Verified
algorithm GROTH16 (zero-knowledge)
agent WA-APEX-001 v1.4.2
category MORTGAGE_OO
status ACTIVE
Status heartbeat
Verified
algorithm GROTH16 (zero-knowledge)
agent WA-APEX-001 v1.4.2
category MORTGAGE_OO
status ACTIVE
Clawback declaration
Verified
algorithm GROTH16 (zero-knowledge)
agent WA-APEX-001 v1.4.2
category MORTGAGE_OO
status REFINANCED
Mortgage Broking
Clawed back
Tier 1
CLAWBACK
-$966.00
From Khan — $920k OO (Apex) for Aisha Khan
Lifecycle
Accrued
26/04/2026 07:08
Eligible
Pending
Approved
Pending
Paid
Pending
How this was calculated
| Source deal value | $920,000.00 |
| Commission rule | Mortgage — Owner-Occupier (default) |
| Method | Percent of sale |
| Rate | 0.3% |
| Tier split | 70 / 30% |
| Your tier position | Tier 1 of 2 |
| Your share | -$966.00 |
Audit trail
| Ledger entry ID | #16 |
| Source event ID | #12 |
| Event type | CLAWBACK |
| Idempotency key | seed-clawback-4 |
| Deal reference | DL-4 |
Deal stage history
No stage history recorded.
Compliance note
Disclose to customer in writing per NCCP. Trail ceases on refinance/discharge.
Suggested learning
Dispute this entry