{"composer_url":"https://ainumbers.co/chaingraph/chains/apy-earned-check.html","description":"Check whether a bank paid the APY it disclosed, in two recompute stages: first recompute the period's interest from daily balances under the caller's declared day-count convention, compounding, and rate terms, diffed against the core's reported accruals with a MATCHES, DIVERGES, or INDETERMINATE verdict (ART-661), then recompute the APY earned from a caller-supplied interest figure and the average daily balance and compare it with the disclosed APY inside a caller-declared accuracy band (ART-663), then a session receipt aggregating the run's execution hashes (CRY-05). Day-count convention, compounding, and every rate term are caller-declared inputs; a divergence is an arithmetic finding, never a determination that interest was miscalculated. Not legal advice and not tax advice.","domain":"Consumer & Wealth Compliance","name":"apy-earned-check","regulatory_basis_decided_at":"2026-10-16","regulatory_basis_decided_by":"CHAIN-COMPOSE-APY-1","regulatory_basis_status":"not_assessed","regulatory_refs":["12 CFR Part 1030"],"sequence_not_statutory":true,"steps":[{"handoff":"Recomputes the period's interest from daily balances under the caller's declared day-count convention, compounding, and rate terms; the recomputation is diffed against the core's reported accruals, with verdict MATCHES, DIVERGES, or INDETERMINATE","tool_id":"art-661-interest-accrual-recompute"},{"handoff":"Recomputes the APY earned from a caller-supplied interest figure and the average daily balance and compares it with the disclosed APY inside the caller's declared accuracy band, with verdict MATCHES, DIVERGES, or INDETERMINATE","tool_id":"art-663-apy-earned-recompute"},{"handoff":"Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)","tool_id":"cry-05-agent-action-audit-trail-aggregator"}],"title":"APY Earned Check"}