> ## Documentation Index
> Fetch the complete documentation index at: https://tonic-ai.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Verification

> Satellite-based verification for sustainability-linked loans

## Overview

The Verification feature provides satellite-based ground truth verification for sustainability-linked loans using Sentinel-2 imagery, NDVI analysis, and TorchGeo ResNet-50 land use classification. It includes both live verification workflows and portfolio monitoring dashboards.

**Code Reference**: `client/src/components/VerificationDashboard.tsx`, `client/src/components/GroundTruthDashboard.tsx`, `app/agents/verifier.py`, `app/agents/classifier.py`

***

## Key Features

### Live Verification Workflow

* **Document Upload**: Upload credit agreement PDF
* **SPT Extraction**: Extract Sustainability Performance Targets (SPTs)
* **Address Geocoding**: Convert addresses to coordinates
* **Satellite Imagery**: Fetch Sentinel-2 imagery
* **NDVI Analysis**: Calculate Normalized Difference Vegetation Index
* **Compliance Check**: Determine COMPLIANCE or BREACH status

**Code Reference**: `client/src/components/VerificationDashboard.tsx`, `app/agents/verifier.py`

### Ground Truth Dashboard

* **Portfolio View**: Monitor all verified assets on global map
* **Status Indicators**: Green (Compliant), Red (Breach), Yellow (Warning)
* **Asset Management**: Manually onboard new loans
* **Map Visualization**: Interactive map with Leaflet/React-Leaflet
* **Filtering**: Filter by status, location, or asset type

**Code Reference**: `client/src/components/GroundTruthDashboard.tsx`

### Enhanced Satellite Features

* **OpenStreetMap Integration**: Street map data for context
* **Air Quality Monitoring**: Air quality index (AQI) data
* **Green Infrastructure**: Green infrastructure detection
* **Pollution Monitoring**: Methane and pollution detection
* **Sustainability Scoring**: Multi-dimensional sustainability scores

**Code Reference**: `app/services/green_finance_service.py`, `app/agents/verifier.py`

***

## Workflow

### 1. Verification Demo

1. **Upload Document**: Upload credit agreement PDF
2. **Extract SPTs**: System extracts Sustainability Performance Targets
3. **Geocode Address**: Convert collateral address to coordinates
4. **Fetch Imagery**: Retrieve Sentinel-2 satellite imagery
5. **Analyze NDVI**: Calculate NDVI score
6. **Classify Land Use**: TorchGeo ResNet-50 classification
7. **Determine Status**: COMPLIANCE or BREACH based on SPTs

### 2. Ground Truth Monitoring

1. **View Portfolio**: Open Ground Truth Dashboard
2. **Map View**: See all assets on global map
3. **Filter Assets**: Filter by status or location
4. **View Details**: Click asset for detailed information
5. **Re-verify**: Re-run verification for assets

### 3. Breach Detection

1. **Automatic Detection**: System detects breaches automatically
2. **FDC3 Broadcast**: Broadcasts breach alerts via FDC3
3. **Risk War Room**: Risk War Room receives alerts
4. **Investigation**: Risk officers investigate breaches

***

## API Endpoints

### Create Loan Asset

<Endpoint method="POST" path="/api/loan-assets" />

Create a loan asset for verification.

**Request Body**:

```json theme={null}
{
  "loan_id": "LOAN_001",
  "collateral_address": "123 Main St, City, State",
  "spt_threshold": 0.75,
  "geo_lat": 38.2975,
  "geo_lon": -122.2869
}
```

**Response**: Created loan asset with initial verification

**Code Reference**: `app/api/routes.py` (create\_loan\_asset endpoint)

### Run Verification

<Endpoint method="POST" path="/api/loan-assets/{asset_id}/verify" />

Run or re-run verification for a loan asset.

**Response**: Updated verification results with NDVI score and compliance status

**Code Reference**: `app/api/routes.py` (verify\_loan\_asset endpoint)

### Get Verification Status

<Endpoint method="GET" path="/api/loan-assets/{asset_id}/verification" />

Get current verification status.

**Response**: Verification status, NDVI score, compliance status

***

## Satellite Data Sources

### Sentinel-2

* **Provider**: SentinelHub
* **Resolution**: 10m spatial resolution
* **Frequency**: 5-day revisit time
* **Bands**: Multispectral bands for NDVI calculation

**Code Reference**: `app/agents/verifier.py` (Sentinel-2 integration)

### TorchGeo ResNet-50

* **Model**: Pre-trained ResNet-50 for land use classification
* **Classes**: Agricultural, urban, forest, water, etc.
* **Accuracy**: High accuracy land use classification

**Code Reference**: `app/agents/classifier.py`

***

## NDVI Analysis

### NDVI Calculation

Normalized Difference Vegetation Index:

```
NDVI = (NIR - Red) / (NIR + Red)
```

**Interpretation**:

* **> 0.7**: Healthy vegetation (high compliance)
* **0.4 - 0.7**: Moderate vegetation
* **\< 0.4**: Low vegetation (potential breach)

**Code Reference**: `app/agents/verifier.py` (NDVI calculation)

***

## Configuration

### Environment Variables

<ParamField body="SENTINELHUB_KEY" type="string">
  SentinelHub OAuth client ID
</ParamField>

<ParamField body="SENTINELHUB_SECRET" type="string">
  SentinelHub OAuth client secret
</ParamField>

<ParamField body="ENHANCED_SATELLITE_ENABLED" type="boolean">
  Enable enhanced satellite features. Default: `true`
</ParamField>

**Setup Guide**: See [SentinelHub Setup Guide](/guides/sentinelhub-setup)

***

## User Interface

### Verification Dashboard

**Location**: `client/src/components/VerificationDashboard.tsx`

**Features**:

* **Document Upload**: Upload credit agreements
* **Agent Terminal**: Real-time verification logs
* **Map View**: Visualize verification results
* **Progress Tracking**: Track verification progress
* **CDM Events**: View generated CDM events

**Access**: Navigate to "Verification Demo" in sidebar

### Ground Truth Dashboard

**Location**: `client/src/components/GroundTruthDashboard.tsx`

**Features**:

* **Global Map**: Interactive map of all assets
* **Status Filtering**: Filter by compliance status
* **Asset Details**: Detailed asset information
* **Re-verification**: Re-run verification for assets
* **Export**: Export asset data

**Access**: Navigate to "Ground Truth" in sidebar

***

## FDC3 Integration

Verification broadcasts FDC3 contexts:

* **Breach Alerts**: Broadcast breach detection
* **Compliance Updates**: Broadcast compliance status changes
* **Risk War Room**: Risk War Room receives alerts automatically

**Code Reference**: `client/src/components/VerificationDashboard.tsx` (FDC3 broadcasting)

***

## Best Practices

1. **SPT Accuracy**: Ensure SPTs are accurately extracted
2. **Address Quality**: Use complete, accurate addresses
3. **Regular Verification**: Re-verify assets periodically
4. **Breach Response**: Respond promptly to breach alerts
5. **Documentation**: Maintain verification records

***

## Additional Resources

* [Verification Guide](/guides/verification)
* [SentinelHub Setup Guide](/guides/sentinelhub-setup)
* [Green Finance Feature](/features/green-finance)
* [Configuration Guide](/getting-started/configuration#enhanced-satellite-verification--green-finance)

***

**Last Updated**: 2026-01-14\
**Code Reference**: `client/src/components/VerificationDashboard.tsx`, `app/agents/verifier.py`, `app/api/routes.py`