{"composer_url":"https://ainumbers.co/chaingraph/chains/mortgage-pi-verifier.html","description":"Verify a mortgage's monthly principal-and-interest payment in two stages: TVM annuity computation of the level payment (ART-327), then a session receipt aggregating the run's execution hashes (CRY-05). Pure time-value-of-money mathematics; no regulation applies.","domain":"Consumer & Wealth Compliance","name":"mortgage-pi-verifier","regulatory_basis_decided_at":"2026-10-10","regulatory_basis_decided_by":"CHAIN-COMPOSE-MORTGAGE-1","regulatory_basis_status":"not_assessed","sequence_not_statutory":true,"steps":[{"handoff":"Produces pmt, the level monthly principal-and-interest payment via the closed-form annuity factor; rate_pct is the periodic (monthly) rate and nper the total payment count","tool_id":"art-327-tvm-annuity"},{"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":"Mortgage P&I Verifier"}