{
      "name": "remittance-disclosure-and-corridor-cost",
      "domain": "Cross-Border & Instant Payments",
      "title": "Remittance Disclosure and Corridor Cost",
      "spec_version": "0.8.0",
      "wave": 42,
      "description": "Gated two-step chain for Reg E remittance disclosure and corridor cost benchmarking. Step 1 computes the required CFPB Reg E subpart B (12 CFR 1005.31/1005.32) disclosure fields and emits estimate_permissible. Gate on /estimate_permissible: if true (12 CFR 1005.32 estimated disclosure applies), the chain ends at the disclosure receipt -- no corridor benchmarking required. If false (exact disclosure, default path), Step 2 runs compare_corridor_cost to benchmark total cost (fee % + FX margin %) against the World Bank RPW Q1 2026 snapshot and SDG 10.c 3% target. ZERO PII BY CONSTRUCTION.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/remittance-disclosure-and-corridor-cost.html",
      "regulatory_refs": [
        "12 CFR 1005.31 (CFPB Reg E subpart B, required disclosure fields)",
        "12 CFR 1005.32 (CFPB Reg E, estimate permissibility conditions)",
        "12 CFR 1005.33 (CFPB Reg E, error resolution)",
        "World Bank Remittance Prices Worldwide (RPW) Q1 2026",
        "SDG 10.c <=3% target (UN 2030 Agenda)"
      ],
      "steps": [
        {
          "tool_id": "art-248-compute-remittance-disclosure",
          "handoff": "Reg E disclosure fields including estimate_permissible. Gate: estimate_permissible=true exits with ESTIMATED disclosure (12 CFR 1005.32 path). Default: proceed to corridor cost benchmarking.",
          "gate": {
            "input": "/estimate_permissible",
            "rules": [
              {
                "op": "eq",
                "value": true,
                "next": "end"
              }
            ],
            "default": "art-249-compare-corridor-cost"
          }
        },
        {
          "tool_id": "art-249-compare-corridor-cost",
          "handoff": "Corridor cost vs RPW benchmark, SmaRT average, and SDG 10.c target. Includes meets_sdg_target and cost_at_200_usd/cost_at_500_usd. Final stage."
        }
      ]
    }