A CLEARANCE record is a machine-verifiable cryptographic certificate that simultaneously proves four things:
All four facts are sealed into a single composite hash. The composite hash is the record. It cannot be forged retroactively.
CLEARANCE/1.0 satisfies each of the FCA's Consumer Duty good outcome requirements and March 2026 good practice findings:
Electronic Communications Act 2000 (UK): Electronic signatures and authentication methods are legally recognised. CLEARANCE's WebAuthn attestation constitutes a qualified electronic signature under Schedule 1.
eIDAS Equivalent Standards: The composite hash methodology meets the technical requirements for advanced electronic signatures under eIDAS Article 26, providing unique link to signatory, capable of identifying signatory, and created using data under signatory's sole control.
Evidence Act (civil proceedings): The CLEARANCE record is a business record created contemporaneously with the event. The verify URL provides permanent access to the original record. The composite hash provides tamper-evidence.
To verify a CLEARANCE record in any proceeding:
This procedure can be performed by any party with the verify URL and the original document. No special software required. No access to proprietary systems required.
CLEARANCE COMPOSITE HASH INPUT:
fields = [
cognitiveState.intentState,
cognitiveState.capabilityTier,
String(cognitiveState.capabilityScore),
String(cognitiveState.bootMs),
cognitiveState.device,
cognitiveState.market,
contentHash, // SHA-256 of agreed content
String(comprehensionCheck.totalTime),
attestation.method,
attestation.credentialId || "fallback",
String(attestation.signaturePresent),
issuedAt, // ISO 8601 UTC
subjectName,
subjectIdentifier || "",
].join("|")
compositeHash = SHA-256(fields)
algorithm: SHA-256 (Web Crypto API)
encoding: hex lowercase, 64 chars
delimiter: pipe character "|"
version: CLEARANCE/1.0For regulated firms seeking to implement CLEARANCE/1.0 under their Consumer Duty framework, contact:
We provide: FCA compliance documentation pack, SLA agreement, white-label verify infrastructure, and technical integration support.