> For the complete documentation index, see [llms.txt](https://worldxc.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://worldxc.gitbook.io/docs/trust-hub/proof-of-liabilities.md).

# Proof of Liabilities

#### Purpose

PoL shows what WorldX owes users in a privacy-preserving, verifiable way.

#### Scope Declaration (PoL v1)

PoL must state whether it includes:

* Spot balances
* Pending withdrawals
* Holds (if included) with rules
* Exclusions (and why)

#### User Verifiability Requirements

User Verification Walkthrough:

1. User opens Trust Hub → PoL Snapshot
2. User retrieves an inclusion proof from the account dashboard
3. User verifies the proof against the published snapshot root
4. If mismatch: user enters dispute workflow with case ID and resolution policy

#### Data Rules

PoL must define:

* Rounding and precision rules
* Dust handling
* Pending states treatment
* Account closure handling
* Frozen/restricted account treatment (included/excluded)

<figure><img src="/files/k0WYtBBoZp41k8Ipmk7i" alt=""><figcaption></figcaption></figure>

#### Sample PoL Report (Template)

**Report**: Proof of Liabilities (PoL)\
**Snapshot**: YYYY-MM-DD HH:MM UTC\
**Publication Date:** YYYY-MM-DD\
**Covered Products:** Spot balances (v1)\
**User Verification Method:** \[Inclusion proof method + how users retrieve it]\
**Changelog**: (link)

#### 1) Summary

This report represents the liabilities WorldX owes users within PoL v1 scope at the snapshot time. Users can verify inclusion using the method described below.

#### 2) Liability Totals by Asset

<figure><img src="/files/BFyjt6j6rVkb1n1HUcJH" alt=""><figcaption></figcaption></figure>

#### 3) Inclusion Verification - User Walkthrough (Template)

1. Open Trust Hub → PoL Snapshot
2. Click Verify my inclusion
3. Download your proof data from your account dashboard:
4. anonymized user identifier
5. asset balances at snapshot
6. inclusion proof payload
7. Verify your proof against the published root:
8. root hash: \[ROOT\_HASH]
9. your proof should resolve to the root
10. If mismatch:
11. open a dispute
12. receive a case ID
13. investigation follows the Dispute Workflow policy

#### 4) Data Rules

* Rounding and precision rules
* Dust handling
* Treatment of holds and pending withdrawals
* Any exclusions

#### 5) Limitations

* Inclusion verifies snapshot membership, not future solvency.
* Scope is limited to PoL v1 products only.