{
  "tool_id": "art-415-check-capital-adequacy-private",
  "note": "OCG Standard §25 ocg-private-input@1. policy_parameters carries ONLY the sha256-salted@1 commitment to the private capital + RWA figures -- never eligible_capital or risk_weighted_assets themselves. Disclosure material lives OUT-OF-BAND in art-415-check-capital-adequacy-private.disclosure.json (test-only). Vector 1: above minimum (16% CET1). Vector 2: below minimum (6% CET1).",
  "vectors": [
    {
      "name": "above_minimum_16pct_cet1",
      "description": "Private eligible capital $16B, RWA $100B (disclosed out-of-band). CET1 ratio 16% -- above the 10.5% Basel III/3.1 minimum, well_capitalized tier.",
      "policy_parameters": {
        "capital_inputs_commitment": "sha256:672a58bc932801406968a921d647eb1ba37a80106203e7f59d08c287897c4c77",
        "regulatory_minimum_pct": 10.5,
        "regulatory_citation": "Basel III/3.1 CET1 minimum incl. capital conservation buffer (BCBS d424); Solvency II SCR coverage minimum 100% (Delegated Regulation (EU) 2015/35).",
        "regime": "basel3.1"
      },
      "output_payload": {
        "above_minimum": true,
        "tier": "well_capitalized",
        "regulatory_minimum_pct": 10.5,
        "regulatory_basis": "Basel III/3.1 CET1 minimum incl. capital conservation buffer (BCBS d424); Solvency II SCR coverage minimum 100% (Delegated Regulation (EU) 2015/35). Verdict proves the committed capital and RWA figures clear the pinned regulatory minimum — the underlying figures are never disclosed (OCG Standard §25 ocg-private-input@1).",
        "pii_note": "ZERO PII disclosed: eligible capital and risk-weighted assets are a private witness, never present in policy_parameters or output_payload. Only the above/below-minimum verdict is public.",
        "not_legal_advice": "Not legal or regulatory advice. Capital adequacy determinations require review by a qualified capital/treasury officer and the applicable prudential regulator."
      },
      "golden_hash": "3d5a2c0f84b598697dbe58bedef9d3ee32721b5dcfdb86ceaef049aacc5ed22a"
    },
    {
      "name": "below_minimum_6pct_cet1",
      "description": "Private eligible capital $6B, RWA $100B (disclosed out-of-band). CET1 ratio 6% -- below the 10.5% Basel III/3.1 minimum, below_minimum tier.",
      "policy_parameters": {
        "capital_inputs_commitment": "sha256:2e97c1d6f70307682b3a802d838090b50b55e6e6ad572cd1b3e8d9e08152bed6",
        "regulatory_minimum_pct": 10.5,
        "regulatory_citation": "Basel III/3.1 CET1 minimum incl. capital conservation buffer (BCBS d424); Solvency II SCR coverage minimum 100% (Delegated Regulation (EU) 2015/35).",
        "regime": "basel3.1"
      },
      "output_payload": {
        "above_minimum": false,
        "tier": "below_minimum",
        "regulatory_minimum_pct": 10.5,
        "regulatory_basis": "Basel III/3.1 CET1 minimum incl. capital conservation buffer (BCBS d424); Solvency II SCR coverage minimum 100% (Delegated Regulation (EU) 2015/35). Verdict proves the committed capital and RWA figures clear the pinned regulatory minimum — the underlying figures are never disclosed (OCG Standard §25 ocg-private-input@1).",
        "pii_note": "ZERO PII disclosed: eligible capital and risk-weighted assets are a private witness, never present in policy_parameters or output_payload. Only the above/below-minimum verdict is public.",
        "not_legal_advice": "Not legal or regulatory advice. Capital adequacy determinations require review by a qualified capital/treasury officer and the applicable prudential regulator."
      },
      "golden_hash": "a65db5fb36d505f8b94c93fca289bd2b90b7e343f9358c6746086e68fcd1f94c"
    }
  ]
}