OpenChainGraph Suite · CONTRACT A3 · arch #5

Escrow Statement Check

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

Audit a mortgage servicer's escrow accounting statement from the borrower's side, line by line: recompute the aggregate-accounting trial running balance month by month from the stated opening balance, monthly escrow deposits, and disbursements; diff the servicer's stated end-of-month balances against the recomputation, flagging each discrepant line; check the stated cushion against the one-sixth cap; and classify the account as balanced, shortage, surplus, or deficiency (732), then a session receipt aggregating the run's execution hashes (CRY-05). This checks the borrower-side statement, distinct from the servicer-side servicing-audit chain. Numeric values only, never identifiers; a divergence is an arithmetic finding, never a legal determination. Not legal advice.

Note: this is the borrower-side statement check, distinct from the servicer-side servicing-audit chain. Every figure is a caller-supplied value read from the statement; the kernel takes numeric values only, never names, account numbers, or addresses. A discrepant line is an arithmetic finding about the statement's figures, not a determination that the servicer acted incorrectly. Tax-sale scenarios, escrowed-MSA states, and periods beyond 12 months are out of scope.

OpenChainGraph · 2 Steps consumer finance · Reg X 1024.17 Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII
Chain Topology (linear): Borrower Escrow Audit → Session Receipt
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 2 Steps
1 ROOT node
Borrower Escrow Auditor 732-borrower-escrow-auditor
Recomputes the aggregate-accounting trial running balance month by month from the stated opening balance, monthly escrow deposits, and disbursements; the servicer's stated end-of-month balances are diffed line by line against the recomputation with each discrepant line flagged, the stated cushion is checked against the one-sixth cap, and the account is classified as balanced, shortage, surplus, or deficiency
MCP Call · audit_borrower_escrow_stmt
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "audit_borrower_escrow_stmt",
    "arguments": {}
  },
  "id": 1
}
https://mcp.ainumbers.co/mcp
↓
2 TERMINAL · D2 node
Agent-Action Audit-Trail Aggregator cry-05-agent-action-audit-trail-aggregator
Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)
MCP Call · aggregate_execution_receipts
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "aggregate_execution_receipts",
    "arguments": {}
  },
  "id": 1
}
https://mcp.ainumbers.co/mcp
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition. No new hash is minted. Available after hash computation.

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this whole workflow on the server and check one field that answers a real question.

Question: My servicer's annual escrow statement raised my payment. Is the statement's math right?
Run the AINumbers MCP tool `run_chain` with {"chain":"escrow-statement-check"} and read `732-borrower-escrow-auditor.account_status`.
Re-run with `inputs` for `732-borrower-escrow-auditor`, reusing the values that result echoed, with `stated_cushion` set to 300. Compare the same field.
Verify: call `verify_execution_hash` (https://mcp.ainumbers.co/mcp) with `claimed_hash` set to `composite_execution_hash` and the full `composite_artifact`.
Ledger, for a human re-check: https://ledger.ainumbers.co/
PII rule: send synthetic or anonymised inputs only. The MCP server runs these kernels and logs no payloads.
Chain page: https://ainumbers.co/chaingraph/chains/escrow-statement-check.html