Verifiable Calculation Certificate

Receipt verification

urn:vcc:calculation:sha256:e7bb1f7c2ce848f6f87414edace7dccd6010bbb432b915fe216bd97ccab2e41d

AuthenticIntactReproducibleTrusted at verification time

Verification states

Each axis is reported on its own. One axis is deliberately Not evaluated: the reference verifier evaluates no business or regulatory policy.

  • Document well-formed

    The envelope and statement match the v0.2 schemas and decode strictly.

    Well-formed

  • Signature valid

    The Ed25519 signature verifies over the canonical payload.

    Valid

  • Issuer identity resolved

    The signing key is published in the issuer's keyset, and the keyset is bound to the statement's issuer.

    Resolved

  • Signing key valid at signing time

    The key's validity window covered the statement's issuedAt.

    Valid at signing time

  • Statement intact

    Not one byte changed since signing: the payload is the canonical form and the id matches its content.

    Intact

  • Formula package resolved

    The exact formula package was resolved and its manifest digest matched.

    Resolved

  • Dataset snapshot resolved

    This calculation consumed no external datasets.

    No datasets referenced

  • Independent reproduction passed

    Re-running the pinned formula version reproduced every certified output.

    Reproduced

  • Business policy not evaluated

    Verification checks provenance, integrity and reproducibility — it does not evaluate any business or regulatory policy.

    Not evaluated

Issuer

Issuer
CalcFleet (https://calcfleet.com)
Identity resolved
published key of this issuer
Trust tier
Self-declared issuer
Key id
2026-07-a

Signed with a published production key of the declared issuer. Identity resolves against the issuer's keyset; independent domain-control and policy attestation are not part of v0.2.

Calculation

Receipt id
urn:vcc:calculation:sha256:e7bb1f7c2ce848f6f87414edace7dccd6010bbb432b915fe216bd97ccab2e41d
Kind
deterministic-calculation

Formula & version

Formula
personal-loan-calculator v1.0.0
Formula manifest digest
620f22e8ae3de5e2c18df70561928d5a6a5781c9867eb2b27a28f00780e60fb5
Formula manifest
registry entry

Inputs

annualRatePct
9.5000%(percent)
originationFeePct
2.0000%(percent)
principal
10000.00USD(money)
termMonths
36months(duration)

Output

effectiveAprPct
10.8900%(percent)
monthlyPayment
320.33USD(money)
nominalAprPct
9.5000%(percent)
originationFee
200.00USD(money)
totalInterest
1531.86USD(money)
totalPaid
11531.86USD(money)

Signature

Signature
valid Ed25519 signature
Statement intact (unchanged since signing)
canonical bytes match
Content-addressed id
id matches content

Key status

Key status
active
Receipt status
valid
Issued at
2026-07-11T18:15:23Z

Receipt lifecycle

Current lifecycle status
Issued
Affected formula / version
personal-loan-calculator v1.0.0

Reproduction

Re-execution (L2)
match — same formula version re-run produced identical certified outputs

Datasets

This calculation consumed no external datasets — only the validated inputs above.

Policy

No business or regulatory policy is evaluated by verification. A receipt checks provenance, integrity and — when available — reproducibility; it does not assess whether the calculation satisfies any policy.

This receipt demonstrates the integrity, provenance and — when available — the technical reproducibility of a calculation. It does not prove that the inputs are true, that the formula is appropriate for any specific purpose, or that the result constitutes professional advice or a regulatory certification.
Raw receipt (DSSE envelope)
{
  "payloadType": "application/vnd.vcc.statement+json;version=0.2",
  "payload": "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",
  "signatures": [
    {
      "keyid": "2026-07-a",
      "sig": "fCsJZfU/9F7J2yAcBH+4JfWS2ZhrbDz/4U8UvfxdfV5pgySZ+LRO17pRneiqgo1kpx5MSoKJdq/yVClNII1EDA=="
    }
  ]
}