{
  "tool_id": "art-43-arc-cpn-model",
  "vectors": [
    {
      "name": "swift-migrate",
      "policy_parameters": {
        "rail": "swift",
        "notional_usd": 10000,
        "monthly_volume": 200,
        "impl_months": 3
      },
      "output_payload": {
        "verdict": "MIGRATE",
        "rail": "swift",
        "per_tx_incumbent_usd": 178,
        "per_tx_cpn_usd": 0.01,
        "per_tx_saving_usd": 177.99,
        "saving_bps": 177.99,
        "fx_spread_bps_applied": 150,
        "monthly_saving_usd": 35598,
        "annual_saving_usd": 427176,
        "npv_3yr_usd": 1245528,
        "impl_cost_usd": 36000,
        "break_even_months": 1,
        "compliance_flags": [
          "ARC_CPN_MIGRATION_RECOMMENDED",
          "PFMI_P4_FX_COST_HIGH"
        ]
      },
      "golden_hash": "629628322888a13f0be7f5738aae883d38c10ea5e52df806fef34bef1d121b7f"
    }
  ]
}