{
      "name": "tempo-payments",
      "domain": "Digital-Asset Rails",
      "title": "Tempo Payments Business Case",
      "description": "W-A chain. Models CFO-level cost savings of migrating payroll, remittance, or merchant settlement to Tempo vs card/SWIFT/ACH/SEPA.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/tempo-payments.html",
      "steps": [
        {
          "tool_id": "art-35-tempo-payments-business-case",
          "handoff": "annual_savings, per_tx_saving, break_even_months, and cfo_memo feed downstream issuance or agent chains"
        }
      ]
    }