{
  "tool_id": "art-357-basel-2023-vs-2026-capital-delta-comparator",
  "tool_version": "1.0.0",
  "display_name": "Basel 2023-vs-2026 Capital-Delta Comparator",
  "mcp_name": "compare_basel_2023_vs_2026",
  "mandate_type": "compliance_mandate",
  "wave": 48,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-357-basel-2023-vs-2026-capital-delta-comparator.html",
  "description": "Runs the same portfolio through the 2023 Basel III Endgame NPR risk-weight framework and the 2026 reproposal (2026-03-19, three NPRs) framework, then reports the RWA and minimum-capital delta -- the 'reproduce the $87.7bn relief story on OUR book' tool. Representative credit-risk asset-class risk-weight buckets plus a simplified operational-risk SMA business-indicator coefficient, NOT an exhaustive regulatory table. rule_status:'proposed' -- final rule expected ~Q4 2026, re-pin WU pre-authorized at finalization. References compute_rwa_erba_2026 (art-355) and compute_oprisk_sma_2026 (art-356) by tool_id for future chain wiring.",
  "input_schema_ref": "chaingraph/art-357-basel-2023-vs-2026-capital-delta-comparator.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:afd75d6663426db39230590951e6f665c53303dff3f98827c91c30ff6fb6d1b6","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-19"}],
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "FjvCwKAQVey2V3jinFzDcXX95JWL44pwTjBGC8ieuwUt/AtkNov+Zx7rCb5BPUDx0lotpHnPEPmx8GkW/UhoOwbgsy+QNO1utk5Ncg/BPwrGZkOgluMBtDfhtVFwrIgqLy+OgH8hcdCAoqraqlsY/BvnRg8WfczVwAciET8RdSAgFLNadsuibFxGkLbis1qzvJDQa2TgS5IETJLZy8TCeA2/o/SgSHZxObpwmCBLaxwz08KH/QP0yTTTWqk4yVSAG7oUJ17smuOYm/1oUTJpcijf2N6p82RcC+2xBhxIZqYpXc/4S2lwjTJaQVpJwdvfNgP0nJzjYVlRDi2JQK0qSg==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:afd75d6663426db39230590951e6f665c53303dff3f98827c91c30ff6fb6d1b6",
      "output": {
        "business_indicator": 800000,
        "constants_version": "BASEL-2023-VS-2026-DELTA-2026-07-17-V1",
        "credit_rwa_2023": 6700000,
        "credit_rwa_2026": 4600000,
        "delta_capital": -192000,
        "delta_capital_pct": -0.3037974683544304,
        "delta_rwa": -2400000,
        "direction": "NET_RELIEF_2026_VS_2023",
        "disambiguation": "compare_basel_2023_vs_2026 is a representative-bucket credit + operational-risk capital-delta comparator, NOT an exhaustive regulatory RWA engine. rule_status:\"proposed\" -- final rule expected ~Q4 2026; this tool will be re-pinned at finalization. It does NOT replace compute_rwa_erba_2026 (art-355, exposure-level ERBA) or compute_oprisk_sma_2026 (art-356, full SMA) for production-grade single-rule-set computation.",
        "op_capital_2023": 96000,
        "op_capital_2026": 72000,
        "op_rwa_2023": 1200000,
        "op_rwa_2026": 900000,
        "portfolio_summary": [
          {
            "amount": 5000000,
            "asset_class": "residential_mortgage_low_ltv",
            "rw_2023": 0.4,
            "rw_2026": 0.2,
            "rwa_2023": 2000000,
            "rwa_2026": 1000000
          },
          {
            "amount": 3000000,
            "asset_class": "corporate_investment_grade",
            "rw_2023": 0.65,
            "rw_2026": 0.5,
            "rwa_2023": 1950000,
            "rwa_2026": 1500000
          },
          {
            "amount": 2000000,
            "asset_class": "retail_other",
            "rw_2023": 1,
            "rw_2026": 0.85,
            "rwa_2023": 2000000,
            "rwa_2026": 1700000
          },
          {
            "amount": 1000000,
            "asset_class": "off_balance_sheet_commitment",
            "rw_2023": 0.75,
            "rw_2026": 0.4,
            "rwa_2023": 750000,
            "rwa_2026": 400000
          }
        ],
        "referenced_tool_ids": {
          "erba_2026": "compute_rwa_erba_2026",
          "oprisk_sma_2026": "compute_oprisk_sma_2026"
        },
        "rule_status": "proposed",
        "source": "Basel III Endgame 2023 NPR (88 Fed. Reg. 64028, 2023-09-18) vs 2026 reproposal (three NPRs, 2026-03-19, comments closed 2026-06-18) -- representative credit-risk RW buckets + simplified operational-risk SMA business-indicator coefficient (BI <=1bn bucket, ILM neutralized both years pending US-variant confirmation). rule_status: proposed.",
        "total_capital_2023": 632000,
        "total_capital_2026": 440000,
        "total_rwa_2023": 7900000,
        "total_rwa_2026": 5500000,
        "unrecognized_asset_class": false
      }
    }
  },
  "export_capability": [
    "json"
  ],
  "compute_proof_ready": "ready"
}