{"ok":true,"zip":"97229","locality":"Cedar Mill, OR","layer":"L2","layer_label":"layer2 clearinghouse","worm_audit":true,"rho_target":0.4142,"status":"architected","note":"Pay-by-Wire ZIP Ledger architectural stub — not claiming live money movement.","shell":"PHASE_5","timestamp_pt":"10/29/2026, 07:13:26 PT (America/Los_Angeles)"}