{
  "tool_id": "art-35-tempo-payments-business-case",
  "note": "golden_hash is empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "minimal",
      "policy_parameters": {
        "rail": "swift",
        "stablecoin": "usdc",
        "tx_amount_usd": 10000,
        "monthly_volume": 500,
        "impl_months": 3
      },
      "output_payload": {
        "verdict": "MIGRATE",
        "rail": "swift",
        "stablecoin": "usdc",
        "per_tx_incumbent_usd": 28,
        "per_tx_tempo_usd": 0.0003,
        "per_tx_saving_usd": 27.9997,
        "saving_bps": 28,
        "monthly_saving_usd": 13999.85,
        "annual_saving_usd": 167998.2,
        "impl_cost_usd": 45000,
        "break_even_months": 3.2
      },
      "golden_hash": "338d1c64285852d3532868b37df665deaf0f36b2b6536a9a73e76268070103ec"
    }
  ]
}