{
  "tool_id": "art-664-loan-servicing-waterfall-recompute",
  "tool_version": "1.0.0",
  "display_name": "Loan Servicing Waterfall Recompute",
  "mcp_name": "compute_loan_servicing_waterfall_recompute",
  "mandate_type": "compliance_control",
  "wave": 109,
  "gpu": false,
  "url": "https://ainumbers.co/tools/664-loan-servicing-waterfall-recompute.html",
  "description": "Independently recomputes how a single borrower's single loan payment applies across escrow, fee, interest and principal buckets under the note's own caller-declared bucket application order, then diffs the recomputed per-bucket breakdown against the core's actual applied amounts. The application order, pre-payment bucket balances and payment amount are all caller-declared contract terms -- this node asserts no universal statutory application order and infers none. Verdict is MATCHES, DIVERGES (with per-bucket deltas), or INDETERMINATE whenever a required input -- a declared bucket's balance, or the core's applied breakdown to diff against -- is absent. Recompute and receipt only; this is not a claim that either side's figure is the legally correct one.",
  "input_schema_ref": "manifests/art-664-loan-servicing-waterfall-recompute.manifest.json",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:a5294931be53b050f99b64e583ecf46c561050b194b01b0a27b92cec2c735a78","valid_from":"2026-08-20"}],
  "export_capability": ["json"],
  "standards_basis": "not_applicable",
  "cited_clause_digest": [],
  "compute_proof_ready": "deferred",
  "deferred_reason": "New gpu:false node, art-664-loan-servicing-waterfall-recompute, scaffolded 2026-08-20 (KERNEL-SCAFFOLD-1). No GPU prove has been run and none is proposed by this scaffold — deferred per the section 18 steady-state rule (RIDER-KERNEL.md). Run GPU-CYCLE-PREFLIGHT-1's static pre-screen once compute() is real, then measure user_cycles with runq-cpu exec before booking."
}