{"book_asymmetry_distribution":[],"carrier_id":null,"cross_platform_entries":[],"disclaimer":"Anonymized behavioral signals \u2014 not filed loss development. For actuarial correlation study with carrier loss triangles.","entry_count":0,"generated_at":"2026-08-11T01:13:35.800538Z","insurance_lines":["Cyber","Crime","E&O"],"schema_version":"velaru-galactic-actuarial-1.0","tam_note":"$10T+ card volume \u00b7 AI fraud detection universal","vertical_key":"payments","vertical_name":"Payments / PCI DSS"}