Evidence

• Social Security's own examples40 of 40 match SSA's answer; Claude with no rulebook, 32 of 40.
• Examples the engine never sawFour sets of SSA's worked examples, each run once on a frozen engine: 4 of 5, 1 of 5, 1 of 5 and 6 of 15 on every value, and 19 of 30 on whether the gift counts.
• Real cases from federal courts14 of 14 scored, of 36 cases, reach the outcome SSA and the court did.
• The two reviewers, measured59 of 59 labeled bills keep her check whole, with each reviewer alone shown beside the referee.
• The referee, under pressureA wrong quote, a quote from the wrong rulebook, a right answer with a made-up citation, and two reviewers who disagree: what the code does with each, and the check whole every time.
• The two errors that cost money0 of 55 let through that would lower the check; 6 of 51 fine gifts sent another way, each with the check whole.
• 100,000 random giftsEvery one keeps all 13 promises: every cent placed, her check exactly as with no gift, ABLE within its yearly limit.
• The rules watch the Federal RegisterAsked live for every change to SSI's income rules and amounts since 2022; the 2027 amounts are in use.
• What the AI never decidesHow much each payee gets, which rule applies, the check, when money moves, who is paid and the report: code, every time.

All of it on one page: the rules, checked

PayPal is where the rules are enforced: money reaches only a payee the rules picked, in one order, captured once, and anyone can check a month's report against PayPal.

• A receipt you can read without payingA recorded sandbox gift, seeded with the sample page: every payee and capture id, the rule behind each line, and Check with PayPal now asks PayPal for the order live.
• A report anyone can checkNovember's report lists the recorded sandbox gift and carries a QR code: Giftwise rebuilds it, asks PayPal for each capture live and checks the audit ledger.
• Claude reads a bill, livePress Read this bill live: Claude reads the sample bill now, within the daily AI budget, and the rules engine routes it.
• Every PayPal API it callsOne order paying several payees, capture once with PayPal-Request-Id, approval links for agents, Payouts, Transaction Search and signed webhooks, each with its file.
• The PayPal suites, step by stepThe checkout and API suites write a redacted transcript: each step with its PayPal order and capture ids, payee count, statuses and timings.
• 8 failure cases, run liveA declined card, a double click, a browser changing the amount, refunds and more, against the PayPal sandbox.
• Give every monthAfter a gift, press Give this every month: the same amount is routed again each month, with what changed and why.
• A fund pays many familiesOne PayPal Payouts batch, each item paid straight to a shop or ABLE account, confirmed in PayPal's Transaction Search.
• The ABLE share, for realPayPal settles the shops; the ABLE share goes through the plan's own gift page, by Ugift code or gifting link. The gift page and every receipt with an ABLE line show the hand-off step by step.

Every PayPal API, with its job and its file

• The problem, measured by Social Security454,843 checks lowered for shelter help in December 2024, by $247 a month on average; in-kind support 8.59 percent of SSI improper payments; no tools to find living arrangement errors; the $2,000 limit and ABLE's reach, each from its source with the date.
• What routing would have keptSocial Security counted help from family or friends against the person in all 14 real SSI court cases scored. Routed through Giftwise, the same help would have kept $331 to $663 a month at 2026 rates in 4 of the 14 as the opinions state the facts, and money in all 10 cases computed in dollars if the person could open an ABLE account. In the two real court cases whose opinions state how long the help lasted, the same help routed through Giftwise would have kept one family $13,584.53 over 41 months and another $24,518.79 over 37 months, $38,103.32 in all, at 2026 rates.
• Why not pay the shop yourself?In Maya's sample year, one shared page keeps $1,747.33 that 10 of her monthly checks would lose with each giver paying on their own.
• What SSA asked backIn two of the court cases, SSA asked for money back: $4,870.00 (a cousin's deposits push savings over the limit) and $11,442.20 (children deposit $1,500 to meet a bank's minimum balance).
• Who each route reachesItems, care and school for all 7.4 million people on SSI; rent and utilities through ABLE, where the disability began before 46.
• How it comparesTrue Link, Purple, Talli, TrustHelm, Giftly, ABLE gift pages, trusts, DB101, WIPA counselors and fundraising sites, each from its own pages with the one step Giftwise adds.
• Who runs it firstBenefits counselors, state ABLE programs and payee organizations, and a 120-day pilot.

All of it on one page: what it changes

• Checked every night, from outsideEvery page on the path, the public API, a gift paid by test card across its payees, and each failure case, on Render Workflows.
• Test results13 suites, each with its command and date; WCAG 2.2 AA on 144 page views.
• Under loadOn the deployed site and on a laptop. Deployed, one visitor at a time: Maya's page in 178 ms.
• Status and OperationsEvery service, latency and errors by route, payments and webhooks, and the alerts, public on two pages.
• Running it for realWhat the demo runs on, and what a real deployment changes, file by file.

All of it on one page: running it

• How it is builtEvery sponsor tool and PayPal API with its job and file, and Claude's structured outputs checked by the rules engine.
• Designed for the people who use itBuilt to W3C's guidance for cognitive and learning disabilities, Easy Read, GOV.UK confirmation pages and Baymard's checkout research. Light and dark, Large text, Spanish for givers, WCAG 2.2 AA on 144 page views.
• Ask the rulebookElasticsearch finds the passages, Claude answers only from them, and every quote is checked word for word.
• The organizer's sideAdd or change a need and watch Giftwise choose where it is paid, find a product with Channel3, and send each gift to a Zapier webhook.
• The calendar's plannerPress As cash, then Plan the cash dates: the planner moves gifts on the Bryntum calendar and compares the result with paying the shop.
• Maya's year in AG StudioEvery gift and her check each month, compared with cash; press a giver and the Giftwise widget reruns the rules.
• A sample you can resetMaya's page resets to the same starting point at any time, and every earlier receipt still opens.

How it is built, part by part

A gift routed before it is the person's money

A third party's gift is checked by a rules engine built from the statute and paid to the payee the rules picked, and one PayPal order pays up to 10 of them. True Link and Purple control or watch money the person already holds; Giftly delivers cash with a suggestion; ABLE gift pages take money into ABLE only; Talli, TrustHelm and trustees pay vendors from a trust by judgment. The comparison, row by row

A report to Social Security anyone can verify

Each month's report carries a code; opening it asks PayPal live for every payment and recomputes the ledger's hash chain, with no login. None of the compared products publishes a report of this kind. November's report

Two rulebooks, quotes checked by code, a referee

Two reviewers read two different rulebooks (20 CFR 416 and POMS); code checks every quote; when they disagree, the referee takes the route that keeps the check whole under either reading. Published designs abstain on one judge's confidence or vary the model; this one varies the text each reviewer reads. Where the design comes from

Accuracy published against SSA's own material

40 of 40 of Social Security's worked examples, 4 of 5, 1 of 5, 1 of 5 and 6 of 15 in the four sets the engine never saw, and federal court cases, 14 of 14 scored, of 36 cases, each on its own page. None of the compared products publishes accuracy against SSA's material. How the rules were checked