Settlement-Asset Backing Invariant

Checks whether value held across an issuance topology stays fully backed in aggregate, not merely per account, as balances move between caller-declared buffers. The caller names each buffer (its role, asset type, and what it backs), declares a backing-ratio requirement, per-buffer floor and ceiling, and a movement set. Evaluates the aggregate backing verdict before and after the declared movements, per-buffer floor/ceiling breaches, the thinnest safe margin per buffer, declared idle-balance cost versus declared crossing cost, and the specific movement that first breaks the invariant. Settlement-asset agnostic: the same kernel runs unchanged for centrally-issued digital cash, pooled-account-backed digital cash, and a reserve-backed stablecoin, demonstrated on fixtures with zero kernel difference. Does not sweep, net, or attest reserves, and issues no recommendation to move money.

Tool URL: https://ainumbers.co/chaingraph/art-521-settlement-asset-backing-invariant.html