{
  "tool_id": "art-03-x402-settlement-modeler",
  "note": "golden_hash fields are empty until first `node golden-parity.test.mjs --update`. policy_parameters/output_payload mirror the v0.4 kernel contract.",
  "vectors": [
    {
      "name": "micropayment_x402_wins",
      "policy_parameters": {
        "amount_usd": 0.05,
        "monthly_volume": 10000,
        "payment_type": "micropayment",
        "finality_requirement": "instant",
        "gas_tier": "low",
        "chargeback_profile": "low"
      },
      "output_payload": {
        "recommended_rail": "x402",
        "per_tx_fee_usd": 0.0001,
        "monthly_cost_usd": 1,
        "finality_sec": 2,
        "eligible_rails": [
          "x402"
        ]
      },
      "golden_hash": "96fe250b55d58c46d3bbecc84383a90e8c2835b9618693fff1970ea615a5e3c0"
    },
    {
      "name": "b2b_ach_wins",
      "policy_parameters": {
        "amount_usd": 50000,
        "monthly_volume": 200,
        "payment_type": "b2b",
        "finality_requirement": "days",
        "gas_tier": "medium",
        "chargeback_profile": "low"
      },
      "output_payload": {
        "recommended_rail": "ach",
        "per_tx_fee_usd": 0.1,
        "monthly_cost_usd": 20,
        "finality_sec": 86400,
        "eligible_rails": [
          "ach",
          "swift",
          "stripe_usdc"
        ]
      },
      "golden_hash": "a84a883f939acc2f8b3a4c80177a342fc9d96b32f7abe5eba240dc26f546e4ba"
    },
    {
      "name": "cross_border_high_value",
      "policy_parameters": {
        "amount_usd": 75000,
        "monthly_volume": 50,
        "payment_type": "cross_border",
        "finality_requirement": "days",
        "gas_tier": "medium",
        "chargeback_profile": "low"
      },
      "output_payload": {
        "recommended_rail": "swift",
        "per_tx_fee_usd": 90,
        "monthly_cost_usd": 4500,
        "finality_sec": 86400,
        "eligible_rails": [
          "swift",
          "stripe_usdc"
        ]
      },
      "golden_hash": "28620b66d552cbfe1d63846bd8dbbf8b85a3de045e87e9bb93211d9d47f7c73c"
    }
  ]
}