{
      "tool_id": "art-35-tempo-payments-business-case",
      "tool_version": "1.0.0",
      "display_name": "Tempo Payments Business Case",
      "mcp_name": "model_tempo_payment_economics",
      "mandate_type": "treasury_mandate",
      "wave": 9,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-35-tempo-payments-business-case.html",
      "description": "CFO-level cost-and-savings model for migrating a payment flow (payroll / remittance / merchant settlement) from card/SWIFT/ACH/SEPA to Tempo. Outputs annual savings in USD and bps, break-even months, finality improvement (days → 600ms), and a CFO memo. ISO 20022 pacs.008-subset artifact; instructed_amount, debtor, creditor, remittance_information.",
      "input_schema_ref": "chaingraph/art-35-tempo-payments-business-case.html#manifest",
      "deadline": null,
      "deadline_note": "Tempo sub-cent fees + 600ms finality vs incumbent rails. W-A co-lead.",
      "consumes": [
        "art-34-tempo-fit-diagnostic"
      ],
      "feeds": [
        "art-37-tempo-stablecoin-issuance",
        "art-36-tempo-mpp-agent-mandate"
      ],
      "status": "live",
      "conformance_fixtures": false,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:983a22594a38514987c18253d6efe800adb9ffb96148357f3deb80975f46837c","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-06-28"}],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "KTqfMte0nUhi9zIsJxuhjE+BM1gtvP8yJmjCuubrMMssBCCpSIMAHXb9fW4wraTThvNxMApQJtS5JtV4s4zOKSDzOoqZVaoo95p6ajGW1yIzWbWi9+RKI1mYgN4kY8pUJQ18pMgkKMJNMieCFgiIY1VXGfx4wsvkV0D1AFOTp9IYqB4MqNEoRVXC+iAtU8xfN48Z74w1W8hLR44tLgQtFgZSxV9nIde0gbqDYumVDWdx/CbugqHvolI/iRha4U0vGcvSLu3YQwlS4SkDRbJX7Kxyq3ZmG+63c+3ZKt7uyYcsleceXoWaJ3juTgtIyLJatgy1AJSJ+LgJUpbygd8KCQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:983a22594a38514987c18253d6efe800adb9ffb96148357f3deb80975f46837c",
          "output": {
            "annual_saving_usd": 167998.2,
            "break_even_months": 3.2,
            "impl_cost_usd": 45000,
            "monthly_saving_usd": 13999.85,
            "per_tx_incumbent_usd": 28,
            "per_tx_saving_usd": 27.9997,
            "per_tx_tempo_usd": 0.0003,
            "rail": "swift",
            "saving_bps": 28,
            "stablecoin": "usdc",
            "verdict": "MIGRATE"
          }
        }
      },
      "export_capability": [
        "xlsx",
        "csv",
        "pdf",
        "xbrl:ocg-ext"
      ]
    }