12. Privacy Model
- Data minimization: contracts store only commitments, verdicts, and reputation deltas.
- Selective disclosure: ZK-KYC proofs reveal only predicates required for identity verification and compliance tiers. Bank transaction verification is planned (see Section 4.2).
- Retention & Access: governance-set retention of attestations; no raw PII on-chain.
- Linkability: user-facing guidance to avoid unintended linkage across sessions where feasible.