Evidence row 220960

What was observed

{
  "count": 3,
  "tools": [
    {
      "description": "Check whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A. The test passes if annual net income is at least GBP 300,000 OR net assets are at least GBP 3,000,000. The net assets test INCLUDES primary residence equity (per the literal FCA glossary G2953 and UK lender practice) and INCLUDES pension by default. Supports single applicant or joint application. Returns verdict, per-applicant test breakdown, joint household aggregate (if joint), and a routing recommendation including the relevant UK private bank list. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks whether they qualify for a high net worth mortgage, about MCOB 3A, the GBP 300k income or GBP 3m net assets test, private bank mortgages, or large loans against assets.",
      "inputSchema": {
        "additionalProperties": false,
        "properties": {
          "applicant_1": {
            "additionalProperties": false,
            "description": "The primary applicant.",
            "properties": {
              "annual_net_income_gbp": {
                "description": "Annual net income in pounds. Includes salary, bonus, RSU vesting (taxed value), dividends, partnership profits, business profits, rental income, carried interest. Net of tax.",
                "minimum": 0,
                "type": "number"
              },
              "business_equity_gbp": {
                "description": "Your share of business equity value in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "business_loans_gbp": {
                "description": "Outstanding business loans in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "cash_savings_gbp": {
                "description": "Cash and savings in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "include_pension_in_test": {
                "description": "Whether to include pension in the GBP 3m net assets calculation. UK lenders applying MCOB 3A typically include pension. Set to false for the conservative view.",
                "type": "boolean"
              },
              "investment_portfolio_gbp": {
                "description": "Stocks, bonds, funds. Excludes pension.",
                "minimum": 0,
                "type": "number"
              },
              "investment_properties_gbp": {
                "description": "Gross value of investment properties (BTL, holiday let, etc.) in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "investment_property_mortgages_gbp": {
                "description": "Outstanding mortgages on investment properties in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "material_unsecured_debts_gbp": {
                "description": "Material unsecured debts in pounds. Small consumer debt and normal overdraft buffer do not move the GBP 3m test in practice and can be left at 0.",
                "minimum": 0,
                "type": "number"
              },
              "other_assets_gbp": {
                "description": "Other valuable assets (art, classic cars, jewellery, hedge fund holdings) in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "pension_value_gbp": {
                "description": "Pension value (SIPP, SSAS, drawdown, workplace) in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "primary_residence_mortgage_gbp": {
                "description": "Outstanding mortgage on primary residence in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "primary_residence_value_gbp": {
                "description": "Gross value of primary residence in pounds.",
                "minimum": 0,
                "type": "number"
              }
            },
            "required": [
              "annual_net_income_gbp"
            ],
            "type": "object"
          },
          "applicant_2": {
            "additionalProperties": false,
            "description": "Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer.",
            "properties": {
              "annual_net_income_gbp": {
                "description": "Annual net income in pounds. Includes salary, bonus, RSU vesting (taxed value), dividends, partnership profits, business profits, rental income, carried interest. Net of tax.",
                "minimum": 0,
                "type": "number"
              },
              "business_equity_gbp": {
                "description": "Your share of business equity value in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "business_loans_gbp": {
                "description": "Outstanding business loans in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "cash_savings_gbp": {
                "description": "Cash and savings in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "include_pension_in_test": {
                "description": "Whether to include pension in the GBP 3m net assets calculation. UK lenders applying MCOB 3A typically include pension. Set to false for the conservative view.",
                "type": "boolean"
              },
              "investment_portfolio_gbp": {
                "description": "Stocks, bonds, funds. Excludes pension.",
                "minimum": 0,
                "type": "number"
              },
              "investment_properties_gbp": {
                "description": "Gross value of investment properties (BTL, holiday let, etc.) in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "investment_property_mortgages_gbp": {
                "description": "Outstanding mortgages on investment properties in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "material_unsecured_debts_gbp": {
                "description": "Material unsecured debts in pounds. Small consumer debt and normal overdraft buffer do not move the GBP 3m test in practice and can be left at 0.",
                "minimum": 0,
                "type": "number"
              },
              "other_assets_gbp": {
                "description": "Other valuable assets (art, classic cars, jewellery, hedge fund holdings) in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "pension_value_gbp": {
                "description": "Pension value (SIPP, SSAS, drawdown, workplace) in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "primary_residence_mortgage_gbp": {
                "description": "Outstanding mortgage on primary residence in pounds.",
                "minimum": 0,
                "type": "number"
              },
              "primary_residence_value_gbp": {
                "description": "Gross value of primary residence in pounds.",
                "minimum": 0,
                "type": "number"
              }
            },
            "required": [
              "annual_net_income_gbp"
            ],
            "type": "object"
          }
        },
        "required": [
          "applicant_1"
        ],
        "type": "object"
      },
      "name": "fd_hnw_mortgage_qualification"
    },
    {
      "description": "Calculate the full cost of a UK bridging loan: total interest, arrangement and exit fees, valuation/legal/admin costs, gross facility, net advance, loan-to-value, total cost of finance and an indicative annualised cost. Supports rolled-up (compounding), retained (deducted upfront) and serviced (paid monthly) interest. Also runs the FCA MCOB 3A high net worth check: on a regulated bridge, an applicant with annual net income of at least GBP 300,000 OR net assets of at least GBP 3,000,000 can have a term up to 60 months instead of the standard 12-month cap. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks what a bridging loan costs, about bridging interest (rolled-up, retained or serviced), bridging LTV, regulated vs unregulated bridging, or the maximum term on a regulated bridge.",
      "inputSchema": {
        "additionalProperties": false,
        "properties": {
          "add_arrangement_fee_to_loan": {
            "description": "Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false).",
            "type": "boolean"
          },
          "additional_funds_gbp": {
            "description": "Additional cash required beyond clearing existing charges, in pounds.",
            "minimum": 0,
            "type": "number"
          },
          "admin_fees_gbp": {
            "description": "Admin and other fees in pounds.",
            "minimum": 0,
            "type": "number"
          },
          "annual_net_income_gbp": {
            "description": "Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb.",
            "minimum": 0,
            "type": "number"
          },
          "arrangement_fee_pct": {
            "description": "Lender arrangement fee as a percentage of the loan.",
            "maximum": 5,
            "minimum": 0,
            "type": "number"
          },
          "existing_charges_gbp": {
            "description": "Existing mortgages or loans the bridge will repay, in pounds.",
            "minimum": 0,
            "type": "number"
          },
          "exit_fee_on_gross": {
            "description": "Whether the exit fee is charged on the gross loan (true) or the net loan (false).",
            "type": "boolean"
          },
          "exit_fee_pct": {
            "description": "Exit fee as a percentage, charged on redemption. Often 0.",
            "maximum": 5,
            "minimum": 0,
            "type": "number"
          },
          "interest_structure": {
            "description": "'rolled' compounds monthly and is paid at exit. 'retained' deducts the full term of interest from the advance upfront. 'serviced' is paid monthly. Retained and serviced cost the same; rolled-up costs more.",
            "enum": [
              "rolled",
              "retained",
              "serviced"
            ],
            "type": "string"
          },
          "legal_fees_gbp": {
            "description": "Lender and borrower legal fees in pounds.",
            "minimum": 0,
            "type": "number"
          },
          "monthly_rate_pct": {
            "description": "Monthly interest rate as a percentage, for example 0.75 for 0.75% per month.",
            "maximum": 3,
            "minimum": 0.2,
            "type": "number"
          },
          "net_assets_gbp": {
            "description": "Optional. Borrower net assets including main residence equity and pension, minus all debts, used for the MCOB 3A high net worth term check. GBP 3,000,000 or more passes the net assets limb.",
            "minimum": 0,
            "type": "number"
          },
          "property_value_gbp": {
            "description": "Open market value of the security property in pounds.",
            "minimum": 1,
            "type": "number"
          },
          "regulated": {
            "description": "True if the bridge is secured against a property the borrower lives in or intends to live in (regulated). False for investment or commercial security (unregulated).",
            "type": "boolean"
          },
          "term_months": {
            "description": "Loan term in months.",
            "maximum": 60,
            "minimum": 1,
            "type": "number"
          },
          "valuation_fee_gbp": {
            "description": "Valuation fee in pounds.",
            "minimum": 0,
            "type": "number"
          }
        },
        "required": [
          "property_value_gbp"
        ],
        "type": "object"
      },
      "name": "uk_bridging_loan_calculator"
    },
    {
      "description": "Calculate UK stamp duty on a property purchase across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles standard residential, first-time buyer relief, the 5% additional dwelling surcharge for second homes and buy-to-let, the 2% non-UK resident surcharge (England/NI), the 17% corporate flat rate for company purchases above GBP 500k (England/NI), and commercial or mixed-use property. Returns banded breakdown, total tax payable and effective rate. Uses current 2026 bands and surcharge rates. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, non-resident surcharge, or tax on a specific UK property purchase.",
      "inputSchema": {
        "additionalProperties": false,
        "properties": {
          "buyer_type": {
            "description": "Buyer category. 'standard' is a main residence purchase. 'ftb' is first-time buyer (England/NI relief up to GBP 500k; Scotland FTB to GBP 175k; Wales has no FTB relief). 'additional' triggers the second-home surcharge. 'nonresident' adds the 2% non-UK resident surcharge (England/NI only). 'corporate' applies the 17% flat rate above GBP 500k (England/NI residential) or standard rates plus surcharge below threshold or in Scotland/Wales. 'commercial' uses non-residential bands.",
            "enum": [
              "standard",
              "ftb",
              "additional",
              "nonresident",
              "corporate",
              "commercial"
            ],
            "type": "string"
          },
          "property_price_gbp": {
            "description": "Property purchase price in pounds. Example: 750000.",
            "minimum": 0,
            "type": "number"
          },
          "region": {
            "description": "Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT.",
            "enum": [
              "england",
              "scotland",
              "wales"
            ],
            "type": "string"
          }
        },
        "required": [
          "property_price_gbp"
        ],
        "type": "object"
      },
      "name": "uk_stamp_duty_calculator"
    }
  ]
}

What the leaf hashes

{"body":"45426aed625ffc5fb01262796f53c9e01433715a8a063c17656fbe0b143d96b1","id":220960,"kind":"mcp.tools","method":"probe.mcp/1","observed_us":1793027029925986,"prev":null,"subject":"c94e98e2-2314-4ffb-89dd-3c160df75e71","subject_kind":"endpoint"}

Proof

Fold these into the leaf in order, hashing each sorted pair with keccak256, to reach the root of 2026-10-26 (296695 rows).

1. 0xf7a0efef18a20a4844c03411daca12db513a73eae46c4d2950c4cde6aae11d0b
2. 0x1145f4c8d4af2cd3ceaa2c7d9fb1d7586f8269b3186d489de3fa21d71971c468
3. 0xad660c8c042f28b4aeadac6b2c433aaee54f95aa307c0a826675b9419ba7aa66
4. 0x28f6602df009fd7d6be8c30280324847d80f4ff3e98b37f24f8feb8180ff8488
5. 0xb489effbbd8c812ea82af2034f4cbe3e725c94f02226dfda0029952da52fc094
6. 0x01892db401e2adb8ea6d043533c52ee3ff9d3b57ed4767ecd5cca733c0bac547
7. 0xf25d7ec7906f0f6540ec3d7b6e4dc5bb2f4029bfae09342a6ffafe3452f07bc8
8. 0xb22f6985383d5f3cca8ddedb4c412113f9d02a3c391a6265c13435fa9d9e7482
9. 0x1da3c1fdaac0939545e994cf221d1bcdd516bd0ebd2694b9d00f5b68d438e585
10. 0x8912095205c0419743c69fe2e0e31af1d737e6d84891a84908cff125ff0e8e71
11. 0x0836eb686ada9beddba0f76357ec59493359d2a7c51aa5c4a31d3cfe9873ea74
12. 0xf7eba200f6f1012d700fcc53fc6d57dcafd1019c920b1030d42fa21d4af95d94
13. 0x694eb701ea36a0e3dcde192253ab85a618738bdc1e3a6e582e6f8bf9647f7a6a
14. 0x44945ea9ad8b24e723ad5a8fd6d014024a49531783f74ff9229c2ab6930e84c8
15. 0x68d296b1e00b4899fb83c3fba36fffaefa311eac2903067dbebfe776a12b4a9a
16. 0x5fb5dda563336cd1bc1b9f44c52b76237ae72ed2145cb9290f39f304ca7dd678
17. 0x74a0a08e4e7ab9aa5bfbead33dec7e1c7e8e364cff69a63720d764bbe987aadc

Day root

0xf43e8dcc3d451a4788b26be904c55e8c4c0fa75c9666796c51db38d37e2c0df8

Chained

0x702d5ac508f08b0d1accf36af25822d8e5660367494edd17a642fb61e158a57a

Published

On Arc Testnet, block 69251483: 0x495162f8936e19f0039918feebe6c307f327cd6bf8c37219620b1970041fa9ae