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as4-411/docs/adr/004-sensitive-data-classification.md
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Initial commit: AS4/411 directory and discovery service for Sankofa Marketplace
Co-authored-by: Cursor <cursoragent@cursor.com>
2026-02-08 08:44:20 -08:00

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# ADR-004: Sensitive Data Classification and Encryption
## Status
Accepted.
## Context
The directory holds mixed sensitivity data: public identifiers (BIC, LEI), internal endpoints and participant data, and confidential or regulated data (MID/TID, contract routing, key references). We need a clear classification and enforcement policy so that storage and access controls are consistent and auditable.
## Decision
- **Four tiers:** Tier 0 (public), Tier 1 (internal), Tier 2 (confidential), Tier 3 (regulated/secrets). See [data-classification.md](../security/data-classification.md) for definitions and examples.
- **Enforcement:** Field-level encryption for Tier 2+ at rest; strict RBAC/ABAC; immutable audit logs for mutations and Tier 2+ access. Tier 3: only references (e.g. vault_ref) stored; no private keys or tokens in the directory.
- **Mapping:** All tables and fields used for directory and routing artifacts are mapped to a tier. New fields require a tier before merge. Per-tenant encryption keys for Tier 2+ are recommended (see ADR-003).
## Consequences
- Operators and developers have a single reference for how to handle each data type. Compliance and security reviews can align on tier and controls.