OpenChainGraph Suite · ART-478 · Trade Finance

Documentary Collection vs Letter of Credit Cost-Benefit

Compares the total cost and risk-adjusted exposure of Documentary Collections (D/P, D/A) against Letters of Credit (Sight, Usance, Confirmed, SBLC) for a trade transaction. Returns a fee breakdown, break-even non-payment probability, and a recommendation. Provable version of tools/423-dc-vs-lc-analyzer.html; that tool page's URC 522 checklist and jurisdiction D/A enforceability reference panels stay browser-only reference material, not computed outputs.

UCP 600 URC 522 URDG 758

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

⚠ lcProtectionScore is a disclosed additive heuristic (0-100), not a computed fact. Every USD/percentage figure alongside it is deterministic fee/break-even arithmetic.

Transaction Parameters

Invoice Value (USD)

Seller Country Risk

Buyer Country Risk

Buyer Relationship

Payment Terms (days)

Goods Status

Letter of Credit Parameters

LC Type

Issuing Bank Fee (% per quarter)

Advising Bank Fee (USD)

Confirmation Fee (% per quarter)

Negotiation / Discounting Fee (%)

Amendment Fee (USD each)

Expected Amendments

Documentary Collection Parameters

Collection Type

Collecting Bank Commission (%)

Remitting Bank Fee (USD)

Protest Fee if Non-Payment (USD)

Probability of Non-Payment (%)

Fee & Risk Breakdown

Metric	Value

Execution Hash (SHA-256)