{
  "tool_id": "art-363-compute-dscr",
  "tool_version": "1.0.0",
  "display_name": "DSCR & Interest Coverage Ratio Calculator",
  "mcp_name": "compute_dscr",
  "mandate_type": "compliance_mandate",
  "wave": 62,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-363-compute-dscr.html",
  "description": "Debt Service Coverage Ratio and Interest Coverage Ratio suite: Basic/Cash/FCF DSCR, Fixed Charge Coverage Ratio (FCCR), EBIT- and EBITDA-basis ICR, and Net/Gross Leverage, evaluated against a published lender threshold matrix (investment grade, leveraged loan, CRE, infrastructure, SME/mid-market). Provable node counterpart to tools/438-dscr-interest-coverage-calculator.html.",
  "input_schema_ref": "chaingraph/art-363-compute-dscr.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:72672db356155cb674c7b09b6e09d78072704a9700fd99f431fead87a6816ac9","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-19"}],
  "export_capability": [
    "json"
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {"type":"ZkVmReceipt","system":"risc0","receiptFormat":"groth16-bn254","imageId":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","seal":"JemyXOjWxP6rzhzEx6q/djxSHdELxKSMrP5yPE2V/qME9gwf3juoXAA6gsHTwZX0cn0kACCSI9zOhXPdxbEgwxJ78Ejle1TQrJzsFH89aLj74KVqoSQyE9veY7x6+8UPA/H4FDDnxTLsAHNmHwF2PKs1g3LFGd8u9uQ2gE/1PjkPm81VY49XpwHXpddwf17TAk5KE9uPHfvjP5MJfcnOxierV8qFZj0Hf6BFdS8b7lHQjc54FT0s3d/ZFxXnzI3fDZRMMf75U4197A8UxoG/1CC3kTHdHTGfCvEoDM9eQLQutl2rtOfPyQS1a+I5bHcXI5HKM3dTRygSECHEgbGGCg==","journal":{"chaingraph_version":"0.4.0","kernel_digest":"sha256:72672db356155cb674c7b09b6e09d78072704a9700fd99f431fead87a6816ac9","output":{"basic_dscr":2.73,"cash_dscr":1.73,"fccr":2.46,"fcf_dscr":1.59,"gross_leverage":2.67,"icr_ebit_basis":3.67,"icr_ebitda_basis":5,"lender_assessment":[{"dscr_min":1.5,"dscr_pass":true,"icr_min":4,"icr_pass":true,"lender_category":"Investment Grade Corporate","meets_threshold":true},{"dscr_min":1.25,"dscr_pass":true,"icr_min":2.5,"icr_pass":true,"lender_category":"Leveraged Loan (BB)","meets_threshold":true},{"dscr_min":1.25,"dscr_pass":true,"icr_min":null,"icr_pass":null,"lender_category":"CRE / Property","meets_threshold":true},{"dscr_min":1.15,"dscr_pass":true,"icr_min":null,"icr_pass":null,"lender_category":"Infrastructure","meets_threshold":true},{"dscr_min":1.2,"dscr_pass":true,"icr_min":2,"icr_pass":true,"lender_category":"SME / Mid-market","meets_threshold":true}],"net_leverage":2.27,"note":"Ratios with a non-positive denominator return null rather than an unbounded or NaN value.","regulatory_basis":"Standard credit-analysis DSCR/ICR/leverage definitions used in commercial lending covenant testing; lender threshold matrix reflects typical market convention, not a regulatory mandate.","total_debt_service_musd":11}}}
}