{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "L8sdeeLsOadoU68HtVaHkMNoJ/KASw3ue7hREtxuGhocYd+yVqpGLIGvjt6war6xf0MrJdhEG2Ay+iOq8aq5IQJ24OvahEnhL/gWc+E/bHRojddumw6jOfEtFDMuH+j1IreA/YFXA61JPPpRiG1wp+YBLtFEwbQ7vu64fwG1oDAAanWiTF9RHUmOrkRWJ2LOiIAlwv173dquWxcsXxdsJDATOS2noFSYzffHFTJOHEguuBHb5sOUlr5WAb73zdXkJEb0FDT7zZiBni5QY6jDtT3/8pmPJxGNFqUn2jCh4hMBN46iJM+/75lfltgpYCi68AK96UsR19bIhsruLmJmBg==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:a74ebe7cdb837e03a939cbe160d49a4f412192f9c98d5d928c8daddda570f8fd",
    "output": {
      "abs_difference_pct": 0.055,
      "actual_apr_pct": 6.82,
      "difference_pct": 0.055,
      "disclosed_apr_pct": 6.875,
      "headroom_pct": 0.07,
      "irregularity_reasons": [],
      "is_irregular_transaction": false,
      "note": "1/8 pp tolerance for regular transactions; 1/4 pp for irregular (multiple advances, irregular periods, or irregular amounts). Overstatement within tolerance is not a TILA violation; understatement is.",
      "regulatory_basis": "Reg Z §1026.22(a), 12 CFR 1026.22 APR accuracy tolerance",
      "tolerance_pct": 0.125,
      "verdict": "accurate_overstated_ok",
      "within_tolerance": true
    }
  }
}