{
  "decision_id": "550e8400-e29b-41d4-a716-446655440003",
  "policy_id": "finance.payment.refund.v1",
  "agent_id": "550e8400-e29b-41d4-a716-446655440001",
  "owner_id": "org_87654321",
  "assurance_level": "L3",
  "allow": false,
  "reasons": [
    {
      "code": "oap.limit_exceeded",
      "message": "Transaction amount exceeds daily limit"
    },
    {
      "code": "oap.currency_unsupported",
      "message": "Currency JPY not supported for this passport"
    }
  ],
  "created_at": "2024-01-15T10:30:00Z",
  "expires_in": 3600,
  "passport_digest": "sha256:abcd1234efgh5678ijkl9012mnop3456qrst7890uvwx1234yzab5678cdef",
  "signature": "ed25519:efgh5678ijkl9012mnop3456qrst7890uvwx1234yzab5678cdefabcd1234==",
  "kid": "oap:registry:key-2025-01"
}