{
  "tool_id": "art-101-mica-art67-own-funds-calculator",
  "note": "golden_hash empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "default-inputs",
      "policy_parameters": {},
      "output_payload": {
        "required_own_funds": 50000,
        "permanent_minimum": 50000,
        "fixed_overheads_quarter": 0,
        "binding_basis": "permanent-minimum",
        "own_funds_held": 0,
        "surplus_shortfall": -50000,
        "form_eligible": true,
        "form_note": "CET1 is the primary eligible form; insurance/guarantee are conditional (verify Annex IV)",
        "reference_version": "2026-06",
        "note": "Art 67 + Annex IV MiCA Reg. (EU) 2023/1114. Verify current thresholds."
      },
      "golden_hash": "e6fc5b0340484eeba33e619d39d8280f2bd0f59cdd0766ccbaa8cd3aeefcdf7d"
    }
  ]
}