wallet: client-side quote verification on cryptographically authenticated chunks

The Merkle bundle gives the wallet authentic chunk bytes, but the
server still decides what audit_mode to claim. Run the existing
verify_quotes() locally on the bundle's chunks so the wallet has an
independent verdict that doesn't trust the server's verifier at all.

`VerifiedAnswer` now carries `local_audit_mode`, `local_n_verified`,
`local_verifier_method` alongside the server's audit_mode. They can
legitimately differ (server's context is larger), but a wallet-side
STRICT against a server-side UNGROUNDED would be a real "server lied
about not finding grounding" signal — exactly what the SPV pattern
exists to catch.

Opt out with `client.ask(q, verify_locally=False)` for pure-stdlib
SPV ports that can't load the verifier.

arborist/cli.py

@@ -7279,6 +7279,9 @@ def _cmd_wallet_ask(args: argparse.Namespace) -> int:
         return 3
     print(json.dumps({
         "audit_mode": verified.audit_mode,
+        "local_audit_mode": verified.local_audit_mode,
+        "local_n_verified": verified.local_n_verified,
+        "local_verifier_method": verified.local_verifier_method,
         "cache_key": verified.cache_key,
         "snapshot_root": verified.snapshot_root,
         "n_chunks_verified": verified.n_chunks_verified,

arborist/wallet/client.py

@@ -30,7 +30,17 @@ class WalletError(Exception):
 
 @dataclass
 class VerifiedAnswer:
-    """A wallet's verified view of a server's response."""
+    """A wallet's verified view of a server's response.
+
+    `audit_mode` is what the server claims (verifier verdict ran on
+    the server's full retrieval context). `local_audit_mode` is what
+    the wallet's verifier produces on the BUNDLE's chunks alone — a
+    smaller context (cited sources only), but every byte the wallet
+    sees has been cryptographically authenticated, so a STRICT here
+    is a stronger claim. When they disagree the server may simply
+    have grounded against extra non-cited chunks; only a wallet-side
+    STRICT-vs-server-UNGROUNDED would be a real lie signal.
+    """
 
     answer_text: str
     audit_mode: str
@@ -38,6 +48,9 @@ class VerifiedAnswer:
     snapshot_root: str
     sources: list[dict]
     n_chunks_verified: int
+    local_audit_mode: str | None = None
+    local_n_verified: int | None = None
+    local_verifier_method: str | None = None
 
 
 class WalletClient:
@@ -96,17 +109,24 @@ class WalletClient:
     def healthz(self) -> dict:
         return self._get("/healthz")
 
-    def ask(self, question: str, *, top_k: int | None = None) -> VerifiedAnswer:
+    def ask(
+        self,
+        question: str,
+        *,
+        top_k: int | None = None,
+        verify_locally: bool = True,
+    ) -> VerifiedAnswer:
         """Submit a question, receive an AnswerBundle, verify it against
         the wallet's trust anchor. Returns a VerifiedAnswer or raises
         ``VerificationError`` (proof) / ``WalletError`` (network).
 
-        A passing return is a cryptographic guarantee that the answer's
+        ``verify_locally`` (default True): in addition to the Merkle
-        cited chunks are part of the corpus committed to by
+        proof, run ``arborist.qa.verify.verify_quotes`` on the bundle's
-        ``self.trust_anchor``. It does NOT guarantee the LLM phrased
+        chunks. This re-grounds the answer against the cryptographically
-        the answer truthfully w.r.t. those chunks — the wallet can run
+        authenticated chunk bytes, giving the wallet a *second*
-        the existing ``arborist.qa.verify`` verifier against the bundle
+        independent verdict it can compare with the server's claim.
-        locally for that, since the bundle ships the actual chunk bytes.
+        Disable only when the wallet runtime can't load the verifier
+        (e.g. a pure-stdlib SPV port).
         """
         payload: dict = {"question": question}
         if top_k is not None:
@@ -114,6 +134,24 @@ class WalletClient:
         resp = self._post("/ask", payload)
         bundle = AnswerBundle.from_dict(resp)
         verify_bundle(bundle, trust_anchor=self.trust_anchor)
+
+        local_audit_mode = None
+        local_n_verified = None
+        local_verifier_method = None
+        if verify_locally and bundle.chunks:
+            try:
+                from arborist.qa.verify import verify_quotes
+                context = "\n\n".join(c["body"] for c in bundle.chunks)
+                local = verify_quotes(bundle.answer_text, context)
+                local_audit_mode = local.get("audit_mode")
+                local_n_verified = local.get("n_verified")
+                local_verifier_method = local.get("verifier_method")
+            except Exception:
+                # Verifier-import failure is non-fatal — the Merkle
+                # proof already passed, so the wallet has the strong
+                # guarantee. Local verification is an additive check.
+                pass
+
         return VerifiedAnswer(
             answer_text=bundle.answer_text,
             audit_mode=bundle.audit_mode,
@@ -121,4 +159,7 @@ class WalletClient:
             snapshot_root=bundle.snapshot_root,
             sources=bundle.sources,
             n_chunks_verified=len(bundle.chunks),
+            local_audit_mode=local_audit_mode,
+            local_n_verified=local_n_verified,
+            local_verifier_method=local_verifier_method,
         )

tests/test_wallet_spv.py

@@ -221,6 +221,48 @@ def test_server_healthz_and_snapshot_root(corpus_db: Path, tmp_path: Path):
         httpd.shutdown()
 
 
+def test_client_local_verify_quotes_runs_on_authenticated_chunks(
+    corpus_db: Path, tmp_path: Path
+):
+    """verify_locally=True re-grounds the answer on the bundle's chunks
+    (which are now cryptographically authenticated). A verbatim quote
+    answer reaches STRICT locally; a fabricated answer falls to
+    UNGROUNDED locally even if the server claims STRICT — that's the
+    'wallet doesn't have to trust the server's verifier' property.
+    """
+    from arborist.wallet.client import WalletClient
+    from arborist.wallet.server import WalletServer, serve_in_thread
+
+    verbatim = (
+        '"eight forms of capital include living, social, and intellectual"'
+    )
+
+    def _factory():
+        return StubClient(answer=f"According to the source: {verbatim}.")
+
+    wallet_server = WalletServer(
+        qa_db=tmp_path / "qa.db",
+        single_db=corpus_db,
+        chat_client_factory=_factory,
+    )
+    httpd, _t, base_url = serve_in_thread(server=wallet_server, port=0)
+    try:
+        conn = connect(corpus_db)
+        try:
+            snap, _ = compute_snapshot_root(conn)
+        finally:
+            conn.close()
+        client = WalletClient(server_url=base_url, trust_anchor=snap)
+        verified = client.ask("What are the forms of capital?")
+        # Local verifier ran and reached STRICT on the authenticated chunks.
+        assert verified.local_audit_mode == "STRICT"
+        assert verified.local_n_verified is not None
+        assert verified.local_n_verified >= 1
+        assert verified.local_verifier_method in {"quote", "span", "entity", "paraphrase"}
+    finally:
+        httpd.shutdown()
+
+
 def test_server_ask_end_to_end_returns_verifiable_bundle(
     corpus_db: Path, tmp_path: Path
 ):