{"audit_version": "finance-audit-v1", "covenant_version": "covenant-pack-v1", "covenant_id": "cb20b07b33b433450f45210c", "bundle_sha256": "cb20b07b33b433450f45210c5286587e1f211d898de9bc1b1db0268f962bc4f9", "created_at": "2026-06-24T13:51:11Z", "source": "sample_finance_covenants", "verdict": "PASS", "summary": {"rules_checked": 2, "rules_evaluable": 2, "passed": 2, "failed": 0, "errors": 0}, "rules": [{"name": "DSCR", "numerator": "EBITDA", "denominator": "Debt Service", "op": ">=", "threshold": "1.25"}, {"name": "Debt / EBITDA", "metric": "debt_to_ebitda", "op": "<=", "threshold": "3.0"}], "checks": [{"type": "covenant_rule", "name": "DSCR", "rule_index": 1, "op": ">=", "threshold": "5/4", "threshold_decimal": "1.25", "status": "PASS", "verdict": "VERIFY", "certificate": "DETERMINISTIC_COVENANT_RULE", "metric": "EBITDA / Debt Service", "value_kind": "ratio", "actual": "5/3", "actual_decimal": "1.66666667", "difference_to_threshold": "5/12", "difference_to_threshold_decimal": "0.41666667", "provenance": {"inputs": [{"address": "B3", "row": 3, "column": "B", "value": "500", "role": "input", "label": "EBITDA", "parsed_number": "500", "parsed_decimal": "500", "label_address": "A3"}, {"address": "B4", "row": 4, "column": "B", "value": "300", "role": "input", "label": "Debt Service", "parsed_number": "300", "parsed_decimal": "300", "label_address": "A4"}]}, "id": "a0e08be2a6d31cce"}, {"type": "covenant_rule", "name": "Debt / EBITDA", "rule_index": 2, "op": "<=", "threshold": "3", "threshold_decimal": "3", "status": "PASS", "verdict": "VERIFY", "certificate": "DETERMINISTIC_COVENANT_RULE", "metric": "debt_to_ebitda", "value_kind": "metric", "actual": "12/5", "actual_decimal": "2.4", "difference_to_threshold": "-3/5", "difference_to_threshold_decimal": "-0.6", "provenance": {"inputs": [{"address": "B5", "row": 5, "column": "B", "value": "1200", "role": "input", "label": "Debt", "parsed_number": "1200", "parsed_decimal": "1200", "label_address": "A5"}, {"address": "B3", "row": 3, "column": "B", "value": "500", "role": "input", "label": "EBITDA", "parsed_number": "500", "parsed_decimal": "500", "label_address": "A3"}]}, "id": "9b8fcc025b3d92b6"}], "privacy": {"hosted_rows_retained": false, "note": "The API returns a covenant bundle; this service does not need to persist uploaded rows."}, "boundary": "Deterministic threshold checks over supplied row labels and numbers only; not legal covenant interpretation or source-data correctness.", "rule_pack": "credit_covenants_basic", "sample": true, "signature": {"algorithm": "ETH-EIP191-SECP256K1", "key_id": "audit-main-v1", "signed_at": "2026-06-24T13:51:11Z", "payload_sha256": "351d551d98eaa051ab589627442255fa308ff3c14cdd7f9aed29dc921aba4e44", "signer": "0x9bbDf3b0D4C8c63580A5D55E671b00B0F99A268c", "message": "verify-service audit bundle\nversion:finance-audit-v1\nalgorithm:ETH-EIP191-SECP256K1\nkey_id:audit-main-v1\nsigned_at:2026-06-24T13:51:11Z\npayload_sha256:351d551d98eaa051ab589627442255fa308ff3c14cdd7f9aed29dc921aba4e44", "value": "c4b54d48fb45660ee68fbf2c5b166cdf44d8503c0183b402d30043fa5b89968328065a794ce83d89f52569bcf2175b2f8753b75ced292334bd1b23ea5ef5a0591b"}}