{
  "tool_id": "art-250-model-stablecoin-corridor-economics",
  "note": "Generic USDC corridor economics model. Vector 1: Felix-benchmark $1000 (low-cost USDC rails, savings vs 6% MTO). Vector 2: break-even calculation (known-vector assert: stablecoin variable costs 4%, chain fee $0.50, break-even = $25). Vector 3: empty-input finite.",
  "vectors": [
    {
      "name": "felix_low_cost_usdc_corridor",
      "description": "Felix-inspired $1000 corridor: 0.5% on-ramp, $0.01 chain fee, 0.3% off-ramp, 0.2% FX spread, 6% traditional MTO. Gross cost 1.001% = $10.01. Savings vs traditional = $49.99. meets_sdg_target must be true.",
      "policy_parameters": {
        "send_amount_usd": 1000,
        "on_ramp_fee_pct": 0.5,
        "chain_fee_usd": 0.01,
        "off_ramp_fee_pct": 0.3,
        "fx_spread_pct": 0.2,
        "float_savings_rate_pct": 4,
        "float_days": 0,
        "correspondent_cost_pct": 6
      },
      "output_payload": {
        "send_amount_usd": 1000,
        "on_ramp_fee_usd": 5,
        "chain_fee_usd": 0.01,
        "off_ramp_fee_usd": 3,
        "fx_spread_usd": 2,
        "float_savings_usd": 0,
        "gross_stablecoin_cost_usd": 10.01,
        "net_stablecoin_cost_usd": 10.01,
        "gross_cost_pct": 1.001,
        "net_cost_pct": 1.001,
        "gross_cost_bps": 100.1,
        "net_cost_bps": 100.1,
        "correspondent_cost_pct": 6,
        "correspondent_cost_usd": 60,
        "savings_vs_traditional_usd": 49.99,
        "savings_vs_traditional_pct": 4.999,
        "break_even_usd": 0.2,
        "sdg_target_pct": 3,
        "meets_sdg_target": true,
        "fx_markup_share_of_traditional": 3.3333,
        "disambiguation": "model_stablecoin_corridor_economics models GENERIC USDC remittance corridor all-in cost (on-ramp+chain+off-ramp+FX+float savings) and break-even vs traditional MTO. It is rail-agnostic. For protocol-specific economics use: model_x402_settlement (x402 protocol), model_tempo_payment_economics (Tempo Network), model_arc_cpn_economics (Arc Protocol CPN). For cross-corridor cost benchmarking against World Bank RPW data use compare_corridor_cost.",
        "table_version": "STABLECOIN-CORRIDOR-ECON-V1-2026",
        "table_source": "Felix/Circle USDC corridor case study (Stripe, 2024); World Bank RPW Q1 2026 global avg 6.36%; industry on-ramp benchmark 0.5-2%; off-ramp/local-rail benchmark 0.3-1.5%; correspondent pre-funding float benchmark 2-7% annually on float balance.",
        "regulatory_basis": "Generic USDC corridor model; World Bank RPW Q1 2026 global average (6.36%); SDG 10.c 3% target; Felix/Circle case study benchmarks (Stripe 2024)",
        "pii_note": "ZERO PII: amounts, rates, fee percentages only. No sender, recipient, or account data enters this kernel."
      },
      "golden_hash": "bcfac0a5e9fb2addc65eabe1e0890f74de084883daede09c8622048a0ce8975e"
    },
    {
      "name": "mto_break_even_calculation",
      "description": "Known-vector assert: stablecoin variable_pct=4% (on_ramp 2%+off_ramp 1.5%+fx 0.5%), chain_fee $0.50, traditional 6%. cost_pct_diff=2%. break_even = 0.50*100/2 = $25. Stablecoin is cheaper only above $25 send amount.",
      "policy_parameters": {
        "send_amount_usd": 500,
        "on_ramp_fee_pct": 2,
        "chain_fee_usd": 0.5,
        "off_ramp_fee_pct": 1.5,
        "fx_spread_pct": 0.5,
        "float_savings_rate_pct": 4,
        "float_days": 0,
        "correspondent_cost_pct": 6
      },
      "output_payload": {
        "send_amount_usd": 500,
        "on_ramp_fee_usd": 10,
        "chain_fee_usd": 0.5,
        "off_ramp_fee_usd": 7.5,
        "fx_spread_usd": 2.5,
        "float_savings_usd": 0,
        "gross_stablecoin_cost_usd": 20.5,
        "net_stablecoin_cost_usd": 20.5,
        "gross_cost_pct": 4.1,
        "net_cost_pct": 4.1,
        "gross_cost_bps": 410,
        "net_cost_bps": 410,
        "correspondent_cost_pct": 6,
        "correspondent_cost_usd": 30,
        "savings_vs_traditional_usd": 9.5,
        "savings_vs_traditional_pct": 1.9,
        "break_even_usd": 25,
        "sdg_target_pct": 3,
        "meets_sdg_target": false,
        "fx_markup_share_of_traditional": 8.3333,
        "disambiguation": "model_stablecoin_corridor_economics models GENERIC USDC remittance corridor all-in cost (on-ramp+chain+off-ramp+FX+float savings) and break-even vs traditional MTO. It is rail-agnostic. For protocol-specific economics use: model_x402_settlement (x402 protocol), model_tempo_payment_economics (Tempo Network), model_arc_cpn_economics (Arc Protocol CPN). For cross-corridor cost benchmarking against World Bank RPW data use compare_corridor_cost.",
        "table_version": "STABLECOIN-CORRIDOR-ECON-V1-2026",
        "table_source": "Felix/Circle USDC corridor case study (Stripe, 2024); World Bank RPW Q1 2026 global avg 6.36%; industry on-ramp benchmark 0.5-2%; off-ramp/local-rail benchmark 0.3-1.5%; correspondent pre-funding float benchmark 2-7% annually on float balance.",
        "regulatory_basis": "Generic USDC corridor model; World Bank RPW Q1 2026 global average (6.36%); SDG 10.c 3% target; Felix/Circle case study benchmarks (Stripe 2024)",
        "pii_note": "ZERO PII: amounts, rates, fee percentages only. No sender, recipient, or account data enters this kernel."
      },
      "golden_hash": "8b4f881f68c454b611831f81b1ad721101253f9e612e4315075131d6d07151b6"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty input -- all fields absent. Verifies no NaN/Infinity (uses default values: $1000, 1% on-ramp, $0.01 chain, 0.8% off-ramp, 0.5% FX spread, 6% traditional).",
      "policy_parameters": {},
      "output_payload": {
        "send_amount_usd": 1000,
        "on_ramp_fee_usd": 10,
        "chain_fee_usd": 0.01,
        "off_ramp_fee_usd": 8,
        "fx_spread_usd": 5,
        "float_savings_usd": 0,
        "gross_stablecoin_cost_usd": 23.01,
        "net_stablecoin_cost_usd": 23.01,
        "gross_cost_pct": 2.301,
        "net_cost_pct": 2.301,
        "gross_cost_bps": 230.1,
        "net_cost_bps": 230.1,
        "correspondent_cost_pct": 6,
        "correspondent_cost_usd": 60,
        "savings_vs_traditional_usd": 36.99,
        "savings_vs_traditional_pct": 3.699,
        "break_even_usd": 0.27,
        "sdg_target_pct": 3,
        "meets_sdg_target": true,
        "fx_markup_share_of_traditional": 8.3333,
        "disambiguation": "model_stablecoin_corridor_economics models GENERIC USDC remittance corridor all-in cost (on-ramp+chain+off-ramp+FX+float savings) and break-even vs traditional MTO. It is rail-agnostic. For protocol-specific economics use: model_x402_settlement (x402 protocol), model_tempo_payment_economics (Tempo Network), model_arc_cpn_economics (Arc Protocol CPN). For cross-corridor cost benchmarking against World Bank RPW data use compare_corridor_cost.",
        "table_version": "STABLECOIN-CORRIDOR-ECON-V1-2026",
        "table_source": "Felix/Circle USDC corridor case study (Stripe, 2024); World Bank RPW Q1 2026 global avg 6.36%; industry on-ramp benchmark 0.5-2%; off-ramp/local-rail benchmark 0.3-1.5%; correspondent pre-funding float benchmark 2-7% annually on float balance.",
        "regulatory_basis": "Generic USDC corridor model; World Bank RPW Q1 2026 global average (6.36%); SDG 10.c 3% target; Felix/Circle case study benchmarks (Stripe 2024)",
        "pii_note": "ZERO PII: amounts, rates, fee percentages only. No sender, recipient, or account data enters this kernel."
      },
      "golden_hash": "6f0af6678c9b564301fcfa7b00b688ec037f1acb2c6b396bb8cb05fdeeb47207"
    }
  ]
}