{ "tool_id": "art-507-determine-deposit-insurance-coverage", "tool_version": "1.0.0", "display_name": "Deposit Insurance Coverage Determination", "mcp_name": "determine_deposit_insurance_coverage", "mandate_type": "compliance_control", "wave": 78, "gpu": false, "url": "https://ainumbers.co/chaingraph/art-507-determine-deposit-insurance-coverage.html", "description": "Computes the insured amount and the uninsured remainder for deposit accounts grouped by ownership right and capacity, and reports every account whose coverage cannot be calculated from the fields supplied. Balances held in the same ownership right and capacity by the same holder combine before an allowance is applied, so splitting a balance across accounts never creates coverage, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held here: supply none and nothing is estimated, because every record is returned as undeterminable naming that field and the totals report zero insured rather than a guess. No table of part 330 ownership categories or allowance rules is held either. Ownership right and capacity codes are opaque strings used for grouping and reporting only, nothing branches on the text of a code, and how many separate insurance allowances a group is entitled to arrives as a per-record input, because that determination belongs to the institution and its counsel. Money is fixed point in integer minor units throughout, so no floating point operation is performed on a balance and a value that is not an integer is reported rather than coerced or rounded. Every account that cannot be calculated names the field that is missing, so a reader is told which field to go and get rather than being handed a bare undetermined count. Accounts held under alternative recordkeeping are undeterminable by construction rather than by failure, because the beneficial ownership detail sits with a third party. The annual certification that the information technology system was tested during the preceding twelve months is a caller-supplied assertion with a caller-supplied date, echoed unchanged and never computed from a clock, and nothing here verifies that any testing occurred; the signature over it is evaluated as a section 27 approval record at a threshold of one by art-503-build-dual-control-certification. Whether an institution has the two million or more deposit accounts that bring it into scope is a caller declaration and is never asserted here. Stated boundary: this is arithmetic over supplied records. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the prescribed submission format, and it offers no deposit insurance advice.", "input_schema_ref": "chaingraph/art-507-determine-deposit-insurance-coverage.html#manifest", "consumes": [], "feeds": [], "status": "live", "conformance_fixtures": true, "compute_capability": "server", "compute_images": [ { "system": "sha256-source", "image_id": "sha256:af6ead608e9e4066d16c80dc91534582c71e82ff5d9fc556cb6c9444a00b15d1", "valid_from": "2026-07-10" }, { "system": "risc0", "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "valid_from": "2026-07-31" } ], "compute_proof_ready": "ready", "export_capability": [ "json" ], "compute_proof": { "type": "ZkVmReceipt", "system": "risc0", "receiptFormat": "groth16-bn254", "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "seal": "HEjf6P9Hdzzn6FNW2yN7YBWNHG8IYE5qNjC4OhlYLOoG9LRO+qj+IpQLaVQ23qONagvy7f6KcQDM2i158DXSOCvTmfOZfDWlgzSCg8eSkBRAXHno0wskrziq83g21NXcLJtatAESYYrMd9q5oIHekbncMdVIUymIsVKMGSC8AvAT8s6cxiBeZuMQFNBxq03h2bHygaTpUjD3DOhXU3THpwpNQzgBHageLZE9UkNSD1KUCeZEO/grJzp3HQFc6kuHK8PkR3fkNjcanH9ba5tT1C8/TNrZvr/qPXbUxYIFEswRHbII95P30NTw6fjCzBkedFsZyMeB3BTi+nj86HxKXw==", "journal": { "chaingraph_version": "0.4.0", "kernel_digest": "sha256:af6ead608e9e4066d16c80dc91534582c71e82ff5d9fc556cb6c9444a00b15d1", "output": { "aggregation_groups": [ { "account_count": 1, "account_refs": [ "ACCT-A1" ], "aggregated_balance_minor_units": 12500000, "allowance_minor_units": 25000000, "coverage_units": 1, "fully_insured": true, "insurance_aggregation_key": "HOLDER-1", "insured_minor_units": 12500000, "ownership_right_and_capacity": "SGL", "pass_through_applied": false, "uninsured_minor_units": 0 }, { "account_count": 2, "account_refs": [ "ACCT-A2", "ACCT-A3" ], "aggregated_balance_minor_units": 35000000, "allowance_minor_units": 25000000, "coverage_units": 1, "fully_insured": false, "insurance_aggregation_key": "HOLDER-2", "insured_minor_units": 25000000, "ownership_right_and_capacity": "SGL", "pass_through_applied": false, "uninsured_minor_units": 10000000 }, { "account_count": 1, "account_refs": [ "ACCT-B1" ], "aggregated_balance_minor_units": 9000000, "allowance_minor_units": 25000000, "coverage_units": 1, "fully_insured": true, "insurance_aggregation_key": "HOLDER-3", "insured_minor_units": 9000000, "ownership_right_and_capacity": "JNT", "pass_through_applied": false, "uninsured_minor_units": 0 } ], "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "as_of_date": "2026-06-30", "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "by_ownership_right_and_capacity": [ { "accounts_with_uninsured_deposits_count": 2, "aggregated_balance_minor_units": 47500000, "deposit_account_count": 3, "distinct_account_holder_count": 2, "fully_insured_account_count": 1, "insured_minor_units": 37500000, "ownership_right_and_capacity": "SGL", "undeterminable_account_count": 0, "uninsured_minor_units": 10000000 }, { "accounts_with_uninsured_deposits_count": 0, "aggregated_balance_minor_units": 9000000, "deposit_account_count": 1, "distinct_account_holder_count": 1, "fully_insured_account_count": 1, "insured_minor_units": 9000000, "ownership_right_and_capacity": "JNT", "undeterminable_account_count": 0, "uninsured_minor_units": 0 } ], "certification_assertion": { "assertion_date": "2026-03-31", "assertion_present": true, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "computed_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "signer_role": "chief executive officer", "testing_performed_in_preceding_twelve_months": true, "verified_here": false }, "coverage_summary": { "accounts_with_uninsured_deposits_count": 2, "aggregated_balance_minor_units": 56500000, "currency": "USD", "deposit_accounts_determined": 4, "deposit_accounts_supplied": 4, "distinct_account_holder_count": 3, "fully_insured_account_count": 2, "insured_minor_units": 46500000, "minor_unit_scale": 100, "ownership_right_and_capacity_code_count": 2, "undeterminable_account_count": 0, "uninsured_minor_units": 10000000 }, "covered_institution": { "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "declared_by_caller": true, "declared_deposit_account_count": 2400000 }, "institution_ref": "IDI-SYNTH-0001", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice.", "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0001 as of 2026-06-30, over 4 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "4 accounts across 3 aggregation groups and 2 ownership right and capacity codes were determined: 46500000 minor units insured and 10000000 uninsured against an aggregated balance of 56500000.", "2 accounts are fully insured and 2 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "smdia_applied": 25000000, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "smdia_is_caller_supplied": true, "undeterminable_by_missing_field": [], "undeterminable_records": [] } } } }