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    "_meta": {
        "isin": "LU1190417599",
        "asset_scope": "UK_COMPLEX_ASSET",
        "policy_mode": "balanced",
        "policy_mode_description": "UCITS ETFs usually start from a non-complex baseline, but product-level complexity such as synthetic replication, swaps, leverage, inverse exposure, complex debt, commodity roll exposure, or comprehension warnings can override that baseline.",
        "classification_engine_version": "1.0.0",
        "prompt_version": "complex_asset_extract_v1",
        "captured_at_utc": "2026-06-19T12:11:45+00:00",
        "captured_unix": 1781871105
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    "classification": "complex",
    "confidence": 0.88,
    "review_required": false,
    "decision_rule_applied": "balanced_etf_swap_complex_rule",
    "product_policy_branch": "ETF",
    "fund_name": "Amundi Smart Overnight Return UCITS ETF ACC",
    "isin": "LU1190417599",
    "type": "ETF",
    "ucits": true,
    "asset_class": "Money Market / Short Term Rates",
    "replication_method": "synthetic",
    "signals": {
        "leveraged": false,
        "inverse": false,
        "derivatives_mentioned": true,
        "derivatives_core_strategy": true,
        "derivatives_epm_only": false,
        "swaps": true,
        "funded_swap": false,
        "unfunded_swap": false,
        "synthetic_replication": true,
        "counterparty_risk": true,
        "structured_payoff": false,
        "capital_protection": false,
        "commodity_futures_roll": false,
        "contango_backwardation": false,
        "coco_or_at1_exposure": false,
        "clo_exposure": false,
        "complex_index": false,
        "priips_comprehension_alert": false,
        "securities_lending": false,
        "illiquid_or_hard_to_value_underlying": false,
        "physical_allocated_commodity": false,
        "crypto_digital_asset": false
    },
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        "Swap usage"
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        "UCITS fund",
        "No leverage identified",
        "No inverse exposure identified"
    ],
    "consumer_understanding": {
        "risk_level": "elevated",
        "drivers": [
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            "Counterparty exposure may be relevant to returns or risk",
            "Derivatives appear core to the investment strategy",
            "Counterparty risk language identified"
        ],
        "plain_english_explanation": "The product appears to use synthetic or swap-based exposure. This may be difficult for ordinary retail clients to understand because returns can depend not only on the referenced market exposure but also on derivative mechanics, collateral arrangements and counterparty risk.",
        "appropriateness_note": "This is a product-level indicator of features that may affect general investor understanding. It does not determine whether the product is appropriate for a specific client and does not replace a client-specific appropriateness assessment."
    },
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            "source": "KIID",
            "signal": "synthetic_replication",
            "quote": "The Sub-Fund will apply an Indirect Replication methodology to get exposition to the Benchmark Index."
        },
        {
            "source": "KIID",
            "signal": "swaps",
            "quote": "financial derivative instruments (in particular total return swap, currency forwards and currency swaps transactions strictly designed to hedge currency risks, interest rate swaps transactions aiming at reducing interest rate risks)"
        },
        {
            "source": "KIID",
            "signal": "derivatives_core_strategy",
            "quote": "The Sub-Fund will apply an Indirect Replication methodology to get exposition to the Benchmark Index. The Sub-Fund will invest into an investment portofolio, consisting of transferable securities or units or shares of UCITS, financial derivative instruments (in particular total return swap...)"
        },
        {
            "source": "KIID",
            "signal": "counterparty_risk",
            "quote": "The Sub-Fund may receive collateral from credit institutions to reduce part or all of the counterparty risks, or derivatives traded with such credit institutions."
        },
        {
            "source": "FACTSHEET",
            "signal": "synthetic_replication",
            "quote": "Replication method  Synth\u00e9tique"
        },
        {
            "source": "KIID",
            "signal": "derivatives_mentioned",
            "quote": "financial derivative instruments (in particular total return swap, currency forwards and currency swaps transactions strictly designed to hedge currency risks, interest rate swaps transactions aiming at reducing interest rate risks)"
        }
    ],
    "supporting_data": "ETF has evidenced core or synthetic swap usage. Policy mode: balanced. Product type: ETF. UCITS signal identified. Replication method: synthetic.",
    "missing_data": [
        "funded_swap",
        "unfunded_swap",
        "priips_comprehension_alert"
    ],
    "warnings": [
        "counterparty_risk_language_identified"
    ],
    "sources": {
        "kiid": {
            "url": "https://oppl.ai/apy/doc_store/LU1190417599_KIID.txt",
            "found": true,
            "http_code": 200,
            "bytes": 10685,
            "error": null
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            "url": "https://oppl.ai/eu_kiids/en_txt/LU1190417599.txt",
            "found": true,
            "http_code": 200,
            "bytes": 12354,
            "error": null
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        "factsheet": {
            "url": "https://oppl.ai/apy/doc_store/LU1190417599_FS.txt",
            "found": true,
            "http_code": 200,
            "bytes": 9428,
            "error": null
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        "market_data": {
            "url": "https://api.londonstockexchange.com/api/gw/lse/search/autocomplete?q=LU1190417599&size=3",
            "found": true,
            "http_code": 200,
            "bytes": 298,
            "error": null
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}