{
  "tool_id": "art-367-compute-cross-border-fees",
  "note": "golden_hash filled by golden-parity.test.mjs --update. Vector 1 reproduces tools/141-cross-border-b2b-fee-calculator.html default seed inputs exactly (US->GB, reverse-charge VAT rate 0, tool<->kernel parity). Vector 2: DEFAULT (non-treaty) VAT rule at 10% plus a documentary letter-of-credit cost. Vector 3: zero-invoice edge (finite gate).",
  "vectors": [
    {
      "name": "default_seed_us_gb_reverse_charge",
      "description": "85000 invoice, US->GB (VAT_RULES reverse-charge treaty, rate 0), wire_swift correspondent fee 35, 75bps FX spread, no documentary credit, 12 reconciliation cost -- reproduces tools/141 default seed exactly: fx_cost 637.50, total_cost 684.50, pct_of_invoice 0.8053%.",
      "policy_parameters": {
        "invoice_amount": 85000,
        "origin_country": "US",
        "dest_country": "GB",
        "fx_spread_bps": 75,
        "method_fee": 35,
        "vat_rate": 0,
        "doc_cost": 0,
        "recon_cost": 12
      },
      "output_payload": {
        "origin_country": "US",
        "dest_country": "GB",
        "invoice_amount": 85000,
        "fx_spread_bps": 75,
        "fx_cost": 637.5,
        "method_fee": 35,
        "vat_rate": 0,
        "vat_cost": 0,
        "doc_cost": 0,
        "recon_cost": 12,
        "total_cost": 684.5,
        "pct_of_invoice": 0.8053,
        "regulatory_basis": "VAT/reverse-charge treatment, documentary-credit fees, and correspondent/method fees are caller-supplied per their own treaty position and banking agreement -- this kernel never vendors a VAT-treaty or correspondent-fee table, only the published cost-stack formula.",
        "disambiguation": "Itemizes one cross-border B2B invoice cost stack. For remittance-corridor benchmarking against World Bank RPW / SDG 10.c targets, see compare_corridor_cost."
      },
      "compliance_flags": [],
      "golden_hash": "68a8b0eecde6775111d0301139900b213700c16917ccd395db4495f7f9bebf94"
    },
    {
      "name": "default_vat_with_doc_credit",
      "description": "US->JP has no treaty entry so falls to VAT_RULES.DEFAULT (10% standard import VAT), plus an lc_sight documentary letter-of-credit cost of 1500.",
      "policy_parameters": {
        "invoice_amount": 40000,
        "origin_country": "US",
        "dest_country": "JP",
        "fx_spread_bps": 120,
        "method_fee": 35,
        "vat_rate": 0.1,
        "doc_cost": 1500,
        "recon_cost": 12
      },
      "output_payload": {
        "origin_country": "US",
        "dest_country": "JP",
        "invoice_amount": 40000,
        "fx_spread_bps": 120,
        "fx_cost": 480,
        "method_fee": 35,
        "vat_rate": 0.1,
        "vat_cost": 4000,
        "doc_cost": 1500,
        "recon_cost": 12,
        "total_cost": 6027,
        "pct_of_invoice": 15.0675,
        "regulatory_basis": "VAT/reverse-charge treatment, documentary-credit fees, and correspondent/method fees are caller-supplied per their own treaty position and banking agreement -- this kernel never vendors a VAT-treaty or correspondent-fee table, only the published cost-stack formula.",
        "disambiguation": "Itemizes one cross-border B2B invoice cost stack. For remittance-corridor benchmarking against World Bank RPW / SDG 10.c targets, see compare_corridor_cost."
      },
      "compliance_flags": [],
      "golden_hash": "1cdb354f040a057b9391f36af64a16fd52eb86b1c4336719042441610fc01023"
    },
    {
      "name": "zero_invoice_edge",
      "description": "Zero invoice amount -- pct_of_invoice short-circuits to 0 instead of dividing by zero, and the non-positive-invoice compliance flag fires.",
      "policy_parameters": {
        "invoice_amount": 0,
        "origin_country": "US",
        "dest_country": "GB",
        "fx_spread_bps": 75,
        "method_fee": 35,
        "vat_rate": 0,
        "doc_cost": 0,
        "recon_cost": 12
      },
      "output_payload": {
        "origin_country": "US",
        "dest_country": "GB",
        "invoice_amount": 0,
        "fx_spread_bps": 75,
        "fx_cost": 0,
        "method_fee": 35,
        "vat_rate": 0,
        "vat_cost": 0,
        "doc_cost": 0,
        "recon_cost": 12,
        "total_cost": 47,
        "pct_of_invoice": 0,
        "regulatory_basis": "VAT/reverse-charge treatment, documentary-credit fees, and correspondent/method fees are caller-supplied per their own treaty position and banking agreement -- this kernel never vendors a VAT-treaty or correspondent-fee table, only the published cost-stack formula.",
        "disambiguation": "Itemizes one cross-border B2B invoice cost stack. For remittance-corridor benchmarking against World Bank RPW / SDG 10.c targets, see compare_corridor_cost."
      },
      "compliance_flags": [
        "XBFEE_NON_POSITIVE_INVOICE"
      ],
      "golden_hash": "798b8e1d5c70a553f6d24822e56fe5eb894776953c8906f85094f084c59d7621"
    }
  ]
}