---
title: "15c3-3 Customer Reserve Formula Calculator"
method: POST
path: "/v1/tools/compute_15c3_3_reserve"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# 15c3-3 Customer Reserve Formula Calculator

`POST /v1/tools/compute_15c3_3_reserve`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_15c3_3_reserve`
- Auth: none declared

SEC Rule 15c3-3 Exhibit A customer reserve formula: credit items (customer free credit balances, margin credit balances, payables) against allowable debit items (margin-account debits with the 1% collateral haircut, failed-to-deliver debits with the 30-day aging exclusion, other allowable debits) to a reserve requirement, deposit-sufficiency verdict, and line-item receipt. Simplified over a representative subset of Exhibit A line items with a PAB (proprietary-account-of-broker-dealer) variant flag; attests the computation over caller-supplied inputs only, not an audit of those inputs or a determination of regulatory compliance. Whole-rule applicability is assumed rather than tested: the 17 CFR 240.15c3-3(k) exemptions have no inputs, so a broker-dealer within (k)(1) (dealing exclusively in investment-company shares or certain insurance products), (k)(2)(i) (carrying a Special Account for the Exclusive Benefit of Customers), (k)(2)(ii) (introducing on a fully disclosed basis to a clearing broker), or (k)(3) (exempted by Commission order) still receives an Exhibit A reserve computation rather than a not-applicable verdict.

**Tool URL:** https://ainumbers.co/chaingraph/art-396-compute-15c3-3-reserve.html

## Request body

- object
  - `credit_items` unknown, required
  - `debit_items` unknown, required
  - `pab_variant` boolean, required
  - `reserve_account_balance_musd` number

## Response `200`

Successful tool execution result

- object
  - `credit_items` object[]
    - `amount_musd` integer
    - `category` string
    - `included_musd` integer
    - `label` string
  - `debit_items` object[]
    - `aging_days` integer
    - `amount_musd` integer
    - `category` string
    - `exclusion_reason` string
    - `included_musd` number
    - `label` string
  - `deposit_sufficient` boolean
  - `note` string
  - `pab_variant` boolean
  - `regulatory_basis` string
  - `reserve_account_balance_musd` integer
  - `reserve_requirement_musd` number
  - `rules_version` string
  - `surplus_shortfall_musd` number
  - `total_credits_musd` integer
  - `total_debits_musd` number

---

[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)