ACKTE-v1 Reference Technical Specification // MXIF

DETERMINISTIC ENGINEERING PRINCIPLES

Reference implementation modeled with immutable domain contracts (Pydantic v2 with frozen=True and extra='forbid'), strict fixed-point monetary precision in Decimal(18, 4) (zero floating-point rounding risk), append-only relational audit logging (SQLite WAL), and deterministic test coverage.

1. Transactional Gateway Topology (Reference DAG)

graph TD
    subgraph Ingesta [Real-Time Payment Instruction]
        TX_IN[Payment Instruction] --> ESCLUSA[Pre-Settlement Quarantine Window 60s]
    end

    subgraph Aduana [Deterministic Edge Evaluation < 150ms]
        ESCLUSA --> ZKP[ZKP Module: Blind Verification Art. 142 LIC]
        ESCLUSA --> NOM151[Structured Evidentiary Record NOM-151]
    end

    subgraph Operativa [Preventive Kinetic Containment Rules]
        ZKP --> COND{Unfamiliar / Cold Account?}
        COND -- YES --> T01[Rule T-01: Fan-Out Dispersion Blocked]
        COND -- YES --> ATM[Dynamic ATM Cash Cap: $2,500 MXN/h]
        COND -- NO --> BANXICO[Standard Rail Settlement]
        
        EMERGENCIA[Verified Medical Emergency] --> T02[Rule T-02: Vital Bypass Attestation]
        T02 --> BANXICO
    end

2. Immutable Domain Contracts (Python / Pydantic v2)

class PaymentInstructionDTO(BaseModel):
    model_config = ConfigDict(frozen=True, extra='forbid', str_strip_whitespace=True)

    tx_id: str = Field(..., pattern=r'^TX-[A-Z0-9_-]+$')
    sender_clabe: str = Field(..., min_length=18, max_length=18)
    receiver_clabe: str = Field(..., min_length=18, max_length=18)
    amount: Decimal = Field(..., gt=Decimal('0.0000'), decimal_places=4)
    cep_hash: str = Field(..., min_length=64, max_length=64)
    has_prior_history: bool = Field(default=False)
    is_medical_emergency: bool = Field(default=False)

class KineticThrottleDecisionDTO(BaseModel):
    model_config = ConfigDict(frozen=True, extra='forbid', str_strip_whitespace=True)

    tx_id: str
    verdict: TransactionVerdict
    allowed_atm_hourly_limit: Decimal = Field(default=Decimal('2500.0000'), decimal_places=4)
    fan_out_blocked: bool = Field(default=True)
    quarantine_seconds: int = Field(default=60)
    nom151_record_sha256: str
    reason: str

3. Forensic Relational Audit Schema (SQLite WAL)

CREATE TABLE IF NOT EXISTS audit_events (
    event_id VARCHAR(64) PRIMARY KEY NOT NULL,
    tx_id VARCHAR(64) NOT NULL,
    sender_clabe VARCHAR(18) NOT NULL,
    receiver_clabe VARCHAR(18) NOT NULL,
    amount NUMERIC(18, 4) NOT NULL,
    verdict VARCHAR(32) NOT NULL,
    fan_out_blocked BOOLEAN NOT NULL DEFAULT 1,
    atm_limit NUMERIC(18, 4) NOT NULL DEFAULT 2500.0000,
    nom151_hash VARCHAR(64) NOT NULL,
    created_at TIMESTAMP WITH TIME ZONE DEFAULT CURRENT_TIMESTAMP NOT NULL
);

CREATE INDEX IF NOT EXISTS idx_audit_tx ON audit_events (tx_id);
CREATE INDEX IF NOT EXISTS idx_audit_receiver ON audit_events (receiver_clabe);