diff --git a/app/infrastructure/rabbitmq/result_factory.py b/app/infrastructure/rabbitmq/result_factory.py
index 0c10f7a..081c98b 100644
--- a/app/infrastructure/rabbitmq/result_factory.py
+++ b/app/infrastructure/rabbitmq/result_factory.py
@@ -11,6 +11,7 @@
     AnalysisRequestedEvent,
     AnalysisResultEvent,
     AnalysisResultPayload,
+    EvidenceCardDetail,
     InstitutionMatchDetail,
     RawScores,
     RuleAnalysisDetail,
@@ -108,11 +109,23 @@ def build_payload(
         ),
         urlAnalysis=(None if is_failed or not url else _url_detail(url)),
         ruleAnalysis=(None if is_failed or not rules else _rule_detail(rules)),
+        evidenceCards=_evidence_cards(result.evidence),
         failedTracks=list(failed_tracks),
         failureCode=("PIPELINE_FAILED" if is_failed else None),
     )
 
 
+def _evidence_cards(evidence) -> list[EvidenceCardDetail]:
+    return [
+        EvidenceCardDetail(
+            category=item.category.value,
+            title=item.title,
+            description=item.description,
+        )
+        for item in (evidence or [])
+    ]
+
+
 def _text_detail(
     text: dict,
     failed_tracks: tuple[str, ...],
diff --git a/app/infrastructure/rabbitmq/schemas.py b/app/infrastructure/rabbitmq/schemas.py
index 4cb6133..456a0d2 100644
--- a/app/infrastructure/rabbitmq/schemas.py
+++ b/app/infrastructure/rabbitmq/schemas.py
@@ -182,6 +182,16 @@ class RuleAnalysisDetail(BaseModel):
     institutionMatch: InstitutionMatchDetail | None = None
 
 
+class EvidenceCardDetail(BaseModel):
+    """사용자 언어로 정리한 위험 근거 카드 (issue #64)"""
+
+    model_config = ConfigDict(extra="forbid")
+
+    category: str
+    title: str
+    description: str
+
+
 class AnalysisResultPayload(BaseModel):
     """분석 결과 이벤트에 포함되는 통합 분석 페이로드 스키마"""
 
@@ -198,6 +208,10 @@ class AnalysisResultPayload(BaseModel):
     urlAnalysis: UrlAnalysisDetail | None = None
     ruleAnalysis: RuleAnalysisDetail | None = None
 
+    # 규칙/URL/텍스트(AI) 트랙을 모두 아우르는 결과라 특정 트랙 상세가 아닌 최상위에 둔다
+    # (institutionMatch와 달리 ruleAnalysis 하위가 아님 - Spring PR #102와 합의된 위치).
+    evidenceCards: list[EvidenceCardDetail] = Field(default_factory=list)
+
     failedTracks: list[str] = Field(default_factory=list)
     failureCode: str | None = None
 
diff --git a/tests/infrastructure/rabbitmq/test_result_factory.py b/tests/infrastructure/rabbitmq/test_result_factory.py
index aa58178..769f5f2 100644
--- a/tests/infrastructure/rabbitmq/test_result_factory.py
+++ b/tests/infrastructure/rabbitmq/test_result_factory.py
@@ -10,6 +10,8 @@
 )
 from app.analysis.schemas import (
     ContributionBreakdown,
+    EvidenceCategory,
+    EvidenceItem,
     RiskGrade,
     SmishingAnalysisResponse,
 )
@@ -108,6 +110,17 @@ def _result(
             if status == "SUCCESS"
             else None
         ),
+        evidence=(
+            [
+                EvidenceItem(
+                    category=EvidenceCategory.INSTITUTION_IMPERSONATION,
+                    title="기관 사칭",
+                    description="국민은행을 언급했지만 공식 도메인이 아닙니다.",
+                )
+            ]
+            if status == "SUCCESS"
+            else []
+        ),
     )
 
 
@@ -176,6 +189,26 @@ def test_factory_maps_successful_execution(
         event.payload.ruleAnalysis.institutionMatch.textDomain
         == "kb-bank-security.xyz"
     )
+    assert len(event.payload.evidenceCards) == 1
+    assert event.payload.evidenceCards[0].category == "INSTITUTION_IMPERSONATION"
+    assert event.payload.evidenceCards[0].title == "기관 사칭"
+    assert event.payload.evidenceCards[0].description == (
+        "국민은행을 언급했지만 공식 도메인이 아닙니다."
+    )
+
+
+def test_factory_maps_empty_evidence_cards_on_failure() -> None:
+    request = _request()
+    event = AnalysisResultEventFactory().create(
+        request=request,
+        execution=AnalysisExecution(
+            status=AnalysisExecutionStatus.FAILED,
+            result=_result(status="ERROR"),
+            failed_tracks=("PIPELINE",),
+        ),
+    )
+
+    assert event.payload.evidenceCards == []
 
 
 def test_factory_maps_institution_match_not_checked() -> None: