OpenChainGraph Suite · ART-626

Deterministic Amortization Schedule

Demonstrator for the shared _amort.bundle.mjs kernel: an effective-interest amortization schedule over seven closed day-count conventions: six calendar conventions from ISDA 2006 Definitions Section 4.16 (30/360 US, 30E/360, 30E/360 (ISDA), Actual/360, Actual/365 Fixed, Actual/Actual (ISDA)) plus UNIT_PERIOD for schedules that discount over equal periods rather than calendar day counts. Each period declares its own period_fraction, periodic_rate, interest, principal_component and closing_balance, followed by a mandatory final-period plug so the schedule amortizes to exactly zero within a declared bound. This node is a reusable shared kernel's demonstrator, not itself an ASC 842 / ASC 606 / CECL wave-specific tool.

ISDA 2006 Definitions §4.16Effective InterestZero PIIClient-side only
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Scope & reliance
Verify-only: this demonstrator recomputes a schedule from caller-declared inputs and does not assert any real loan, lease or receivable balance is correct. The bracketed-bisection rate solve (constant 200-step bound, sign-change bracket required before any rate is reported) is scoped to UNIT_PERIOD only, because a calendar convention's period_fraction is a real-valued fraction of a year that need not align with the solver's ordinal-integer-period formula, so calendar conventions require a caller-supplied annual rate instead. Mid-stream remeasurement is schedule SEGMENTATION, never mutation: a new segment always opens at the prior segment's exact closing balance. No formal correctness proof exists for this node yet; see the proof-status note below the results.
Schedule Parameters
Periods
Result
Proof status
This node ships compute_proof_ready: deferred. No formal correctness proof has been produced for this kernel; the result above is a deterministic recompute, verified by a property-test floor, not a proven one.
Execution Hash & §4 Artifact
SHA-256 execution hash (JCS canonical, RFC 8785):

      

        
        
      

    

  

  
  







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_deterministic_amortization_schedule`. Task: Compute a deterministic amortization schedule via the effective-interest method over one of seven closed day-count conventions (ISDA 2006 Definitions Section 4.16 plus UNIT_PERIOD), with a bracketed-bisection rate solve (UNIT_PERIOD only), a mandatory final-period plug, and mid-stream remeasurement as schedule segmentation.
Call it with arguments: {"policy_parameters":{"principal":1200,"annual_rate":0.12,"convention":"UNIT_PERIOD","periods_per_year":12,"periods":[{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":false},{"unit_fraction":1,"payment":106.6,"is_termination":true}]}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-626-deterministic-amortization-schedule.html#p=v1.H4sIAAAAAAAA_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