{
  "dataset": "payment-withdrawal-verification-worksheet",
  "version": "1.0.0",
  "checked_date": "2026-08-29",
  "metadata": {
    "scope": "Reusable verification worksheet; not a claim about any individual operator.",
    "methodology_url": "/research/payment-claims-methodology/"
  },
  "rows": [
    {
      "check_order": 1,
      "check": "Account ownership",
      "question": "Is the withdrawal destination legally held by the player?",
      "evidence_to_record": "Account-holder name / operator requirement",
      "why_it_matters": "Ownership and verification controls can affect authorization."
    },
    {
      "check_order": 2,
      "check": "KYC status",
      "question": "Are requested identity documents complete and current?",
      "evidence_to_record": "Document request, submission date, status",
      "why_it_matters": "Verification can pause operator approval."
    },
    {
      "check_order": 3,
      "check": "Operator review",
      "question": "Has the operator approved/released the withdrawal?",
      "evidence_to_record": "Withdrawal ID, request time, approval/release time",
      "why_it_matters": "Operator processing is distinct from network settlement."
    },
    {
      "check_order": 4,
      "check": "Payment rail",
      "question": "Which bank/card/wallet/network is settling the funds?",
      "evidence_to_record": "Payment method and provider",
      "why_it_matters": "Network settlement follows operator release."
    },
    {
      "check_order": 5,
      "check": "Fees / FX",
      "question": "Were fixed, percentage or currency-conversion costs applied?",
      "evidence_to_record": "Debit/credit statement and quoted fee terms",
      "why_it_matters": "Net received value can differ from requested amount."
    },
    {
      "check_order": 6,
      "check": "Complaint evidence",
      "question": "If delayed, is there a formal case/reference number?",
      "evidence_to_record": "Support transcripts, case ID, dates",
      "why_it_matters": "Creates an auditable record for escalation."
    }
  ]
}