---
title: "Documentary Collection vs Letter of Credit Cost-Benefit"
method: POST
path: "/v1/tools/analyze_dc_vs_lc_cost_benefit"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Documentary Collection vs Letter of Credit Cost-Benefit

`POST /v1/tools/analyze_dc_vs_lc_cost_benefit`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/analyze_dc_vs_lc_cost_benefit`
- Auth: none declared

Compares the total cost and risk-adjusted exposure of Documentary Collections (D/P, D/A) against Letters of Credit (Sight, Usance, Confirmed, SBLC) for a trade transaction. Returns a fee breakdown, break-even non-payment probability, and a recommendation, plus a disclosed heuristic LC protection score. Provable node counterpart to tools/423-dc-vs-lc-analyzer.html; that tool page's URC 522 checklist and jurisdiction D/A enforceability reference panels stay browser-only reference material, not computed outputs.

**Tool URL:** https://ainumbers.co/chaingraph/art-478-analyze-dc-vs-lc-cost-benefit.html

## Request body

- object
  - `buyerCountryRisk` unknown, required
  - `buyerRelationship` unknown, required
  - `dcCollectingCommissionPct` unknown, required
  - `dcNonPaymentProbabilityPct` unknown, required
  - `dcProtestFeeUSD` unknown, required
  - `dcRemittingFeeUSD` unknown, required
  - `dcType` unknown, required
  - `goodsStatus` unknown, required
  - `invoiceValueUSD` unknown, required
  - `lcAdvisingFeeUSD` unknown, required
  - `lcAmendmentFeeUSD` unknown, required
  - `lcConfirmationPctPerQuarter` unknown, required
  - `lcExpectedAmendments` unknown, required
  - `lcIssuancePctPerQuarter` unknown, required
  - `lcNegotiationPct` unknown, required
  - `lcType` unknown, required
  - `paymentTermDays` unknown, required
  - `sellerCountryRisk` unknown, required

## Response `200`

Successful tool execution result

- object
  - `breakEvenProbabilityPct` integer
  - `dcRiskAdjCostUSD` integer
  - `dcRiskExposureUSD` integer
  - `dcTotalFeesUSD` integer
  - `heuristic_note` string
  - `lcProtectionScore` integer
  - `lcRiskAdjCostUSD` integer
  - `lcTotalFeesUSD` integer
  - `lc_protection_score_heuristic` boolean
  - `recommendation` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)