{ "tool_id": "art-549-g20-corridor-cost-gap", "note": "Vectors computed directly from the shipped kernel. Covers a corridor meeting the 2027 retail target, a corridor exceeding the 2030 remittance target, and the missing-required-fields finite gate (COSTGAP_INPUTS_INSUFFICIENT, gap_bps/meets_target null, never NaN).", "vectors": [ { "name": "meets-2027-target", "description": "US->MX corridor observed 2.50%, checked against the 2027 retail target (<=3% any corridor); meets.", "policy_parameters": { "as_of": "2026-08-01", "corridor_pair": { "send_country": "US", "receive_country": "MX" }, "observed_cost_bps": 250, "send_amount_basis": "USD_200", "target_year": 2027 }, "output_payload": { "as_of": "2026-08-01", "corridor_pair": { "send_country": "US", "receive_country": "MX" }, "observed_cost_bps": 250, "observed_cost_display": "2.50%", "send_amount_basis": "USD_200", "target_year": 2027, "target_scope": "retail cross-border payments", "target_any_corridor_bps": 300, "target_any_corridor_display": "3.00%", "target_global_avg_bps": 100, "target_global_avg_display": "1.00%", "target_basis": "G20/FSB 2027 retail target: ≤1% global avg / ≤3% any corridor", "gap_bps": -50, "gap_pct_display": "-0.50%", "meets_target": true, "rpw_methodology": { "name": "World Bank Remittance Prices Worldwide (RPW)", "version": "Q325", "url": "https://remittanceprices.worldbank.org/methodology" }, "rejected_inputs": [], "rationale": [ "Corridor US→MX, observed cost 2.50% on the USD 200 RPW basket, checked against the 2027 target (\"G20/FSB 2027 retail target: ≤1% global avg / ≤3% any corridor\").", "gap_pct = observed 2.50% - target 3.00% (any-corridor ceiling) = -0.50%. Corridor meets the target.", "Global-average target for this year (1.00%) is reported for context only -- it describes the overall market average, not this single corridor, and is not itself checkable from one corridor's observed cost.", "These are G20/FSB roadmap targets, not an enforceable deadline against any single firm. This is a transparency/benchmarking recompute, not a compliance-gate verdict.", "Corridor cost table sourced by the caller from World Bank Remittance Prices Worldwide (RPW) (methodology Q325, https://remittanceprices.worldbank.org/methodology) or elsewhere; this kernel does not embed or vendor RPW's own corridor cost data." ], "note": "Deterministic recompute of a caller-declared corridor's cost gap against the hardcoded G20/FSB roadmap target for the declared year. Zero live FX/rate calls; the caller supplies the observed cost, sourced from World Bank RPW or elsewhere, and this kernel never embeds or vendors RPW's own corridor cost table. Targets are transparency/benchmarking figures, not an enforceable deadline against any single firm." }, "compliance_flags": [ "COSTGAP_MEETS_TARGET" ], "golden_hash": "5882443b44e07f47cf0b05ad527fb0b6b39a9a19bed8601c2e4ee5aa79ba3b88" }, { "name": "exceeds-2030-target", "description": "US->NG corridor observed 6.75%, checked against the 2030 remittance target (<=5% any corridor); exceeds.", "policy_parameters": { "as_of": "2026-08-01", "corridor_pair": { "send_country": "US", "receive_country": "NG" }, "observed_cost_bps": 675, "send_amount_basis": "USD_500", "target_year": 2030 }, "output_payload": { "as_of": "2026-08-01", "corridor_pair": { "send_country": "US", "receive_country": "NG" }, "observed_cost_bps": 675, "observed_cost_display": "6.75%", "send_amount_basis": "USD_500", "target_year": 2030, "target_scope": "remittances", "target_any_corridor_bps": 500, "target_any_corridor_display": "5.00%", "target_global_avg_bps": 300, "target_global_avg_display": "3.00%", "target_basis": "G20/FSB 2030 remittance target: ≤3% global avg / ≤5% any corridor", "gap_bps": 175, "gap_pct_display": "1.75%", "meets_target": false, "rpw_methodology": { "name": "World Bank Remittance Prices Worldwide (RPW)", "version": "Q325", "url": "https://remittanceprices.worldbank.org/methodology" }, "rejected_inputs": [], "rationale": [ "Corridor US→NG, observed cost 6.75% on the USD 500 RPW basket, checked against the 2030 target (\"G20/FSB 2030 remittance target: ≤3% global avg / ≤5% any corridor\").", "gap_pct = observed 6.75% - target 5.00% (any-corridor ceiling) = 1.75%. Corridor exceeds the target.", "Global-average target for this year (3.00%) is reported for context only -- it describes the overall market average, not this single corridor, and is not itself checkable from one corridor's observed cost.", "These are G20/FSB roadmap targets, not an enforceable deadline against any single firm. This is a transparency/benchmarking recompute, not a compliance-gate verdict.", "Corridor cost table sourced by the caller from World Bank Remittance Prices Worldwide (RPW) (methodology Q325, https://remittanceprices.worldbank.org/methodology) or elsewhere; this kernel does not embed or vendor RPW's own corridor cost data." ], "note": "Deterministic recompute of a caller-declared corridor's cost gap against the hardcoded G20/FSB roadmap target for the declared year. Zero live FX/rate calls; the caller supplies the observed cost, sourced from World Bank RPW or elsewhere, and this kernel never embeds or vendors RPW's own corridor cost table. Targets are transparency/benchmarking figures, not an enforceable deadline against any single firm." }, "compliance_flags": [ "COSTGAP_EXCEEDS_TARGET" ], "golden_hash": "4d50534f8af7c32848724ace02ba391bd6404ef5349d8b5fa4b08d30f863e687" }, { "name": "inputs-insufficient", "description": "Missing corridor_pair and target_year: finite gate returns COSTGAP_INPUTS_INSUFFICIENT, never NaN, gap_bps null.", "policy_parameters": { "as_of": "2026-08-01", "observed_cost_bps": 400, "send_amount_basis": "USD_200" }, "output_payload": { "as_of": "2026-08-01", "corridor_pair": { "send_country": null, "receive_country": null }, "observed_cost_bps": 400, "observed_cost_display": "4.00%", "send_amount_basis": "USD_200", "target_year": null, "target_scope": null, "target_any_corridor_bps": null, "target_any_corridor_display": null, "target_global_avg_bps": null, "target_global_avg_display": null, "target_basis": null, "gap_bps": null, "gap_pct_display": null, "meets_target": null, "rpw_methodology": { "name": "World Bank Remittance Prices Worldwide (RPW)", "version": "Q325", "url": "https://remittanceprices.worldbank.org/methodology" }, "rejected_inputs": [ { "where": "corridor_pair", "reason": "absent or not an object", "supplied": null }, { "where": "corridor_pair.send_country", "reason": "absent or not a 2-letter ISO country code", "supplied": null }, { "where": "corridor_pair.receive_country", "reason": "absent or not a 2-letter ISO country code", "supplied": null }, { "where": "target_year", "reason": "must be exactly 2027 or 2030", "supplied": null } ], "rationale": [ "One or more required declared inputs is missing or malformed; see rejected_inputs. No gap can be computed against an undeclared target or corridor.", "These are G20/FSB roadmap targets, not an enforceable deadline against any single firm. This is a transparency/benchmarking recompute, not a compliance-gate verdict.", "Corridor cost table sourced by the caller from World Bank Remittance Prices Worldwide (RPW) (methodology Q325, https://remittanceprices.worldbank.org/methodology) or elsewhere; this kernel does not embed or vendor RPW's own corridor cost data." ], "note": "Deterministic recompute of a caller-declared corridor's cost gap against the hardcoded G20/FSB roadmap target for the declared year. Zero live FX/rate calls; the caller supplies the observed cost, sourced from World Bank RPW or elsewhere, and this kernel never embeds or vendors RPW's own corridor cost table. Targets are transparency/benchmarking figures, not an enforceable deadline against any single firm." }, "compliance_flags": [ "COSTGAP_INPUTS_INSUFFICIENT" ], "golden_hash": "8ff3fb40f970238d4977962e5a3602c9b6448f243987bcce7813da61e6101822" } ] }