{
  "schema": "money2046.card-index.v1",
  "asOf": "2026-10-09T22:48:55.250Z",
  "rule": "Only VERIFIED_FRESH records are factual. SCHEMA_ONLY / STALE_REVERIFY / UNAVAILABLE / INSUFFICIENT_EVIDENCE must not be presented as fact, ranked, or used to derive rates. UNAVAILABLE always includes a jurisdiction. Pending evidence never appears in public feeds except as a count in meta.",
  "profile": {
    "monthly": 1000,
    "crossPct": 0.5,
    "spendCurrency": "USD",
    "basket": 100
  },
  "disposition": "INSUFFICIENT_EVIDENCE",
  "rankable": false,
  "note": "Card index values are measured FX SETTLEMENT rows only (instrumentId + component:FX). Funding / reward / fee holes are named, never filled from schema. Cross-card ranking requires ≥ 2 verified FX rows at the published basket.",
  "cards": [
    {
      "instrumentId": "wise-card",
      "disposition": "INSUFFICIENT_EVIDENCE",
      "value": null,
      "missing": [
        "fx_verified",
        "basket_match"
      ],
      "reasons": [
        "Need a verified FX SETTLEMENT (CARD_SPEND) for this instrument.",
        "FX row must match the published basket (USD 12 / 100 / 1000 merchant-equivalent)."
      ],
      "holes": {
        "FUNDING": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "REWARD": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "FEE": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        }
      },
      "evidenceIds": []
    },
    {
      "instrumentId": "redotpay",
      "disposition": "INSUFFICIENT_EVIDENCE",
      "value": null,
      "missing": [
        "fx_verified",
        "basket_match"
      ],
      "reasons": [
        "Need a verified FX SETTLEMENT (CARD_SPEND) for this instrument.",
        "FX row must match the published basket (USD 12 / 100 / 1000 merchant-equivalent)."
      ],
      "holes": {
        "FUNDING": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "REWARD": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "FEE": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        }
      },
      "evidenceIds": []
    },
    {
      "instrumentId": "kast",
      "disposition": "INSUFFICIENT_EVIDENCE",
      "value": null,
      "missing": [
        "fx_verified",
        "basket_match"
      ],
      "reasons": [
        "Need a verified FX SETTLEMENT (CARD_SPEND) for this instrument.",
        "FX row must match the published basket (USD 12 / 100 / 1000 merchant-equivalent)."
      ],
      "holes": {
        "FUNDING": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "REWARD": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "FEE": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        }
      },
      "evidenceIds": []
    },
    {
      "instrumentId": "etherfi",
      "disposition": "INSUFFICIENT_EVIDENCE",
      "value": null,
      "missing": [
        "fx_verified",
        "basket_match"
      ],
      "reasons": [
        "Need a verified FX SETTLEMENT (CARD_SPEND) for this instrument.",
        "FX row must match the published basket (USD 12 / 100 / 1000 merchant-equivalent)."
      ],
      "holes": {
        "FUNDING": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "REWARD": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        },
        "FEE": {
          "disposition": "INSUFFICIENT_EVIDENCE",
          "evidenceIds": []
        }
      },
      "evidenceIds": []
    }
  ],
  "ranking": [],
  "missing": [
    "card_coverage"
  ],
  "reasons": [
    "Need ≥ 2 probe cards with verified FX before cross-card ranking."
  ]
}