Reilly Banking Integrity Protocol (RBIP)

This document defines version 01 of the Reilly Banking Integrity Protocol (RBIP), a compliance-grade architecture for generating immutable, auditor- and regulator-verifiable evidence trails in banking operations. RBIP combines cryptographic anchoring (via blockchain timestamping) with archival DOI issuance to produce permanent, tamper-evident records across three core domains: Proof-of-Reserves & Liquidity (PRL), Loan Origination & Collateral Chain (LOC), and KYC/AML Evidence Ledger (KAL). RBIP is designed to help financial institutions satisfy requirements from Basel III/IV, SOX, BSA/AML, DORA, MiCA, ISO/IEC 42001:2023, and other applicable regulations while preserving privacy, accountability, and auditability. This document and its foundational specification are protected under triple-layer digital permanence: (1) DOI archival via a persistent archival provider (DOI: 10.5281/zenodo.17114424, published September 13, 2025, initially archived at Zenodo); (2) blockchain timestamping via a public proof-of-work blockchain timestamping service (initially anchored via OpenTimestamps to the Bitcoin blockchain); and (3) IETF Internet-Draft submission (draft-reilly-banking-integrity-00, submitted September 27, 2025). This triple-layer permanence establishes cryptographically verifiable prior art with an immutable public timestamp predating any subsequent implementation, derivative work, or regulatory mandate.