{"composer_url":"https://ainumbers.co/chaingraph/chains/cross-border-payment-cost-check.html","description":"Recompute a cross-border B2B payment's true all-in cost in three independent stages: itemize the invoice's cost stack (FX spread, method fee, VAT/reverse-charge, documentary-credit, reconciliation) as a percentage of invoice value (ART-367), recompute the corridor's declared cost gap against the hardcoded G20/FSB roadmap targets for the declared year (ART-549), then model the same corridor on a USDC stablecoin rail to show the cheaper alternative (ART-250), closing with a session receipt aggregating the run's execution hashes (CRY-05). Every figure is caller-declared; no live FX or rate calls. Not FX advice.","domain":"Cross-Border & Instant Payments","name":"cross-border-payment-cost-check","regulatory_basis_decided_at":"2026-10-15","regulatory_basis_decided_by":"CHAIN-COMPOSE-CBPC-1","regulatory_basis_status":"not_assessed","regulatory_refs":["G20/FSB cross-border payments roadmap cost targets (transparency benchmarks, not enforceable deadlines)","UN SDG 10.c <=3% remittance cost target"],"sequence_not_statutory":true,"steps":[{"handoff":"Itemizes the caller's cross-border B2B invoice cost stack: FX spread cost, method/correspondent fee, VAT or reverse-charge cost, documentary-credit cost, and reconciliation cost, plus total cost as a percentage of invoice value","tool_id":"art-367-compute-cross-border-fees"},{"handoff":"Recomputes the caller-declared corridor cost gap in basis points against the hardcoded G20/FSB target for the declared year, with a meets_target verdict","tool_id":"art-549-g20-corridor-cost-gap"},{"handoff":"Models the all-in cost of the same corridor on a USDC stablecoin rail (on-ramp, chain fee, off-ramp, FX spread, float savings) against the traditional correspondent benchmark, with break-even send amount","tool_id":"art-250-model-stablecoin-corridor-economics"},{"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":"Cross-Border Payment Cost Check"}