{
      "tool_id": "art-248-compute-remittance-disclosure",
      "tool_version": "1.0.0",
      "display_name": "Remittance Disclosure Calculator (Reg E Subpart B)",
      "mcp_name": "compute_remittance_disclosure",
      "mandate_type": "compliance_mandate",
      "wave": 42,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-248-compute-remittance-disclosure.html",
      "description": "Computes the required Reg E subpart B (12 CFR 1005.31/1005.32) remittance disclosure fields: transfer_amount_usd (send minus fees), exchange_rate_disclosed, amount_received_dest in destination currency, fees breakdown, total_to_sender_usd, disclosure_type (EXACT or ESTIMATED), estimate_permissible flag, and accounting identity check. Pre-transfer receipt anchor point for CFPB exam and error-resolution disputes (12 CFR 1005.33). ZERO PII: amounts, rates, fees, and taxes only. Gate node for the remittance-disclosure-and-corridor-cost chain.",
      "input_schema_ref": "chaingraph/art-248-compute-remittance-disclosure.html#manifest",
      "consumes": [],
      "feeds": [
        "art-249-compare-corridor-cost"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:18f88fa54000e35774488e4e653fe00d09df23fee91ad40e50611f194cf1d7f7","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-05"}],
      "export_capability": [
        "json"
      ],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "JwF++Vkvfvq72SlpvK1joDW4SLfMjzMsLz/50+7yiGQj/dpMfVIk68ArOLVVD8oZP9ggRDRgn0K9Q56JnESjbiwC7pkxgtW9Ia/s6ynuKggmWeagCz/RBdvds1htKoJJEfK9uqOlKKpRZWhduvsRDqWGvm+HyGUp1y1pYoKz5w0Wmv036aXbiG01Qxf9UqZxfxgH+ukR0dYlEhCQW2bqyBpxiKVLoTWHf4aktTJ+LLMAENrUE/wuFXlL4Jq36xoJHuMxskcm75BOO5pN+mjDtXNLfMd/UcmjOyW1DVYIK5sMmL7ZaUk7An4TWPQdeDQo4gO6O11bWFqSWoNIzm6zCA==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:18f88fa54000e35774488e4e653fe00d09df23fee91ad40e50611f194cf1d7f7",
          "output": {
            "accounting_identity_delta": 0,
            "accounting_identity_ok": true,
            "amount_received_dest": 17098.72,
            "anchor_surface": "anchor.ainumbers.co/mcp -- anchor execution_hash pre-transfer to create a tamper-evident disclosure receipt for CFPB exam and error-resolution disputes (12 CFR §1005.33)",
            "destination_country": "MX",
            "destination_currency": "MXN",
            "disclosure_type": "EXACT",
            "estimate_permissible": false,
            "exchange_rate_disclosed": 17.15,
            "fees": {
              "provider_fee": 2.99,
              "taxes": 0,
              "third_party_fees": 0,
              "total_fees_usd": 2.99
            },
            "pii_note": "ZERO PII: amounts, rates, fees, taxes only. No sender, recipient, or account data enters this kernel.",
            "regulatory_basis": "12 CFR §1005.31 (Reg E subpart B, CFPB) required disclosure field set; 12 CFR §1005.32 estimate permissibility conditions",
            "required_fields_complete": true,
            "table_source": "12 CFR §1005.31 (CFPB, effective 2013, current 2024 ed.); 12 CFR §1005.32 estimate conditions",
            "table_version": "REG-E-SUBPART-B-12CFR1005.31-2024",
            "total_to_sender_usd": 1000,
            "transfer_amount_usd": 997.01
          }
        }
      },
      "compute_proof_ready": "ready"
    }