Check a loan applicant's bank statements for large deposits
Every loan file holds bank statements, and each deposit list must be read to spot a large deposit with no clear source. This app reads each statement, fills in its details, works out the reserve and flags deposits an underwriter must review.
PresenterOpens the private repo. Visible to admins only.
For mortgage underwritersCross-domain · Banking
Why it matters
Today's manual process, and the same job with the app
A mortgage or consumer-lending underwriter checking the bank and brokerage statements in each loan file.
✕Today's manual process
1Open every statement in the loan file and read its full deposit list.
2Copy the key figures into a spreadsheet: holder, bank, dates and balances.
3Judge the largest deposit by eye, and work out the reserve value manually.
4One missed deposit means a loan goes ahead on money nobody can explain.
Every statement read by a person
✓With the app
1Each statement is read, and its ten key details come back in a table.
2Every detail shows the part of the statement it came from.
3The reserve value is worked out from the ending balance and account type.
4Large deposits with no clear source go to an underwriter, who still decides.
People review only the flagged deposits
See it work
One real case, read by the app, step by step
Owen Duarte's checking statement shows a $3,450.24 deposit labelled only “Deposit”, with no named source.
Check a loan applicant's bank statements for large depositsReference appBuilt to be shaped to your process
6
1The statement, read the holder, the bank and the account type, each filled in.
2Where each came from the dates and balances, and where each was found.
3The largest deposit $3,450.24, labelled only “Deposit”, with no named payer.
4Not documented nothing on the statement says where the money came from.
5The reserve value worked out from the ending balance and the account type.
6Sent for review an underwriter checks the deposit. Nothing is approved or denied.
For engineers
How it is built, and how we measured it
All fourteen steps of the build are written up, from the business case to running it in your own environment.
Check a loan applicant's bank statements for large deposits
A small, forkable project that does one job end to end. Run once for real, and every figure on these pages captured from that run.
PresenterOpens the private repo. Visible to admins only.
The business caseThe problem this solves
Verifying a bank or brokerage statement for a loan file means reading the full deposit list, checking whether the period's largest deposit is documented well enough to skip a source-of-funds request, and computing a reserve value from the account's ending balance and type -- for every statement in the file. Someone manually opening each bank or brokerage statement, reading the deposit list, and deciding by eye whether the period's largest deposit needs a source-of-funds explanation before it goes in a loan file.
Audience
Mortgage and consumer-lending underwriters and processors who review bank or brokerage statements for asset verification, and the people who build tooling for them. Every number on these pages came from one real run of this code, not from a vendor page.
The inputThe actual statements
The corpus is 55 statements, 0.03 MB (txt 55). Plain text, one format, invented rather than fetched — a real bank or brokerage statement cannot be published at all (see SOURCES.md). Ten fields are chosen because the same ones matter to underwriting asset verification: who, where, what kind of account, the two balances, and whether the period's largest deposit has a documented source.
The corpus
The 55 statementsgenerated from a fixed seed, so no real record, person or institution appears in it.
Where each came fromwritten for this kit rather than collected — the corpus is generated in the kit's own repository, so there is no third-party data in it.
Swap this folder for your own material and the kit is pointed at your statements. That is the whole change — there is no database to migrate.
One statement, as the model receives itAV-0001.txt · 1 of 55
Statement Holder
----------------
Amara W. Haddad
Institution
-----------
Beacon Point Bank
Account Type
------------
savings
Statement Period
----------------
2026-06-01 to 2026-06-30
Account Summary
---------------
Beginning Balance: $18941.17
Ending Balance: $18099.20
Deposits This Period
--------------------
2026-06-07 $133.03 Mobile Check Deposit
2026-06-10 $168.01 ATM Deposit
2026-06-15 $238.78 Zelle from Amara N.
2026-06-19 $185.39 Mobile Check Deposit
Other Activity
--------------
Debits and fees this period: $1567.18
The outcomeWhat a good result looks like
A ten-field extracted record per statement, plus two pure-code computed figures -- a vested reserve value and whether the period's largest deposit needs underwriter review -- informational only, never an automatic approval or denial.
And when it cannot
Marking a self-paid Interest Payment deposit as not institutionally documented when this kit's own gold rule calls it documented (measured at 8 of 55 statements, identically on both tiers) -- never yet observed to flip the large-deposit flag itself, but a real, repeatable field-level disagreement a reviewer should know about before trusting the field verbatim. See Business.not_good_enough.
Where it fitsWhat did work
Every line below is a measured result from this kit's own runs, with the figure that supports it. The headline above is not softened by any of them.
Screening a stack of bank/brokerage statements for which ones need a human to chase a source-of-funds letter before a loan file closes — either tier — they tie on every accuracy figure measured here 100% flag recall and precision on both tiers this run, against the free keyword floor's 88.9% recall (1 missed large, undocumented deposit).
Deciding the two tiers on cost or speed when accuracy is identical — the fast tier Roughly half the p50 latency (2,490 ms vs 5,064 ms) and 9% fewer output tokens per call for identical scores on this corpus.
At a glanceHow the whole thing runs
98%extraction accuracy
2,490 msp50, end to end
$1.31per 1,000 statements · Google Gemini 3 Flash
Run once, for real, on 2026-08-20. Every figure on these pages was captured from that run — nothing is written from intent.
14 steps, grouped by the question that sends you to them rather than by build order. Each tile carries the one figure that step is about, and opens the page behind it.
Check a loan applicant's bank statements for large deposits14 steps · 4 questions · run once, for real · 2026-08-20
Every tile is a linkall 14 steps · no step without a page
Should you use this?What you bring, where it stops, and when not to use it
Before you commit an afternoon to this, these are the answers that decide it. Each one is rendered from the record it lives in — and links the page that holds it in full.
What do I have to bring?
Replace data/corpus/*.txt, write data/fields.json, and supply a gold record per statement with a stated flag for every optional deposit field. Corpus lens →
When is this the wrong choice?
Avoid: The keyword floor for the documented/undocumented judgment specifically — its fixed word list is exactly what the planted ambiguity is built to defeat. That is the case against the best-fitting scenario (“Screening a stack of bank/brokerage statements for which ones need a human to chase a source-of-funds letter before a loan file closes”). 2 scenarios scored in all, each with its own.Eval lens →
Where does it stop working?
Scanned or image-only statements — there is no OCR step. 3 recorded failure modes, each from a run rather than a guess.Corpus lens →
What was never verified?
Whether treating self-paid interest as 'documented' is the right call at all — both tiers disagreed with this kit's own gold rule on all 8 statements where it was the largest deposit, identically. That consistency across two independently-run tiers is some evidence the model's stricter reading is defensible, not evidence this kit's rule is wrong; nothing here adjudicates between them. 3 items this kit says it could not check.Eval lens →
Can I run this on a model I control?
Yes — any OpenAI-compatible endpoint, including one on your own hardware. The shipped adapter takes its host from BASE_URL and its model from MODEL, so nothing in src/ changes. The published figures come from 2 models on the fast tier and the deliberating tier, one provider, one key. Prompt lens →
And if it fits — what do I stand up?
4 artifacts with a stated home and a stated egress, and 3 decisions each with what you provision past its ceiling — plus what was not measured. That is the next page, not this one.step 14 — Run it in your environment →
Not asked of this kit — 2 questions: clone (a fresh clone of this kit runs with nothing fetched); judge (nothing here is graded by a model).
Last verified 2026-08-20 — r001-asset-verify. Every figure on these pages was captured from that run.
Run itHow this reaches your data
Every result on this page was produced by pure code over checked-in files, with no API key — which is why you can read the numbers before anyone spends anything.
Run this on your own data
The pipeline, its eval harness and the runs behind every numberdeployed inside your environment, on your own model endpoints, against your own documents.
The corpus above is the shape, not the limitit is a folder swap, and there is no database to migrate.
Checked before this shipped — Verified from a cold clone with no key configured: 55 statements segment into 385 sections in 0.003 seconds, and the assembled prompt for AV-0001 replays byte for byte — its three part sizes (1163/1204/484 characters) match what run r001 recorded.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
Step 01 of 14Business case
Written for: product manager · Measured during the eval run. Never estimated, never quoted from a vendor page.
In brief
100.0%rows answered
2,490 msp50, end to end
3,278 msp95
2 minclone to first result
What the clock covers. model call only, one per statement
Current processWhat it replaces
Someone manually opening each bank or brokerage statement, reading the deposit list, and deciding by eye whether the period's largest deposit needs a source-of-funds explanation before it goes in a loan file.
Where it is not good enough
In 8 of 55 statements, on both model tiers identically, it marks a self-paid "Interest Payment" deposit as not institutionally documented — disagreeing with this kit's own gold rule, which calls interest documented because the holding institution pays it and it is self-evidently verifiable off the same statement. It never changed the safety-critical large-deposit flag in either run, because every affected interest payment was well under the $1,000 threshold — but it is a real, repeatable field-level disagreement, not a one-off.
One question, end to end. Colour on the fan-in is the corpus format; a red hook marks every station with a recorded failure, and the words — every sub line, failure and report field — are in the ledger beneath. Every station is a link — click one to jump to its row, and each row links to the lens that explains it.
Recorded failure8 of 523: self-paid "Interest Payment" marked undocumented on both tiers — disagrees with this kit's own gold rule, never moved a large-deposit flag
The free keyword floor (evals/baseline.py, a fixed list of institutional-sounding words checked against the largest deposit's description) scores 97.9 pct extraction accuracy but 88.9 pct flag recall — one missed large, undocumented deposit — against 100 pct flag recall and precision on both tiers here. No red-team run exists for this kit — this footer names that absence rather than a resistance rate it does not have.
The swap seams
Seam
File
What changes
SECTION_HINTS
src/select.py
map fields to your own statement's headings; unmatched falls back to the whole document
PROVIDERS
src/adapters/__init__.py
any OpenAI-compatible host, or Anthropic's Messages API
LARGE_DEPOSIT_THRESHOLD_USD / VESTING
src/extract.py
this kit's own flat threshold and vesting percentages — replace with your actual loan program's published rules before trusting the computed figures for anything real
the field schema
data/fields.json
a different set of fields entirely, with its own types and allowed values
Components
Component
File
Role
segment
src/segment.py
cut the statement into addressable sections, pure code
select
src/select.py
pick which sections carry each field, pure code
prompt
src/prompt.py
assemble one call for all ten fields
extract
src/extract.py
the AI layer, one provider one key — plus the two pure-code computations downstream: reserve value and the large-deposit flag
judge
evals/judge.py
score field accuracy and the flag's recall/precision separately, pure code
Where it breaks at scale
One call per statement, no concurrency and nothing shared between calls: 55 statements took under three minutes wall clock on the fast tier. A stack of thousands needs batching and a rate-limit strategy this kit does not have. It also never nets multiple accounts together — an applicant's full asset picture (several statements) still gets computed one statement at a time.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
Step 03 of 14App UI
Written for: anyone, in 5 seconds · Screenshots of the running app taken during the run.
SuccessesWhen it works
Before anything is asked of the model. Ten named fields with their own types and allowed values, plus a second panel for the two pure-code figures computed afterwards — the field table is not the whole page.successOpen full size →AV-0013, extracted live. A $3,450.24 deposit described only as "Deposit" — no named counterparty — correctly reads deposit_documented: no, and the computed panel below routes it: "YES — route for underwriter review." Neither computed figure is an approval.successOpen full size →
LimitsWhen it does not
A report showing only wins is an advert. This one is required, and the validator now refuses a kit that omits it.
The same button with no API_KEY configured. A calm 200 and a plain sentence, not a stack trace: nothing was called, nothing was spent, and the field table stays browsable.failureOpen full size →
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
Step 04 of 14Corpus
Written for: "can I point this at mine?" · Measured off the corpus the run actually used.
In brief
55statements
0.03 MiBtxt 55
385sections · p50 60 chars
$0.00setup · 0.003s
How it is cutWhat one section is
cut on underlined section headings; a statement with none falls back to one whole-document segment so a span still resolves
SetupWhat the setup figure measured
There is no index. Preparation is segmentation only — 55 statements cut into 385 sections by src/segment.py, pure code, no model and no key.
LicenceLicence
MIT — this repository's own licence. Every account holder, institution and deposit is invented; a real bank or brokerage statement cannot be published at all — it is one of the most sensitive documents a person holds.
Bring your ownBring your own statements
Replace data/corpus/*.txt, write data/fields.json, and supply a gold record per statement with a stated flag for every optional deposit field. SECTION_HINTS in src/select.py maps fields to headings and will need editing for a different statement layout; when it does not match, selection falls back to the whole document — slower, more expensive, always correct.
What breaks it
Scanned or image-only statements — there is no OCR step.
A statement whose sections are not headed — segment() falls back to one whole-document segment, so a span names "document" and locates nothing finer.
Multiple statements for one applicant are never netted together — each call reads one statement in isolation, so the computed reserve value is a per-statement figure, not a total across an applicant's accounts.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
Step 05 of 14Prompt
Written for: engineer · Logged from the run, verbatim.
In brief
The assembled prompt in full, and its real decomposition. Every part below occurs in the prompt that was actually sent, and the token counts sum to the recorded input total — they were measured against the provider’s own counter, not apportioned by character share.
AssemblyHow the prompt is assembled
Part
Characters
Tokens
system
1,163
360
field schema
1,204
290
statement sections
484
213
Total
863
This is the cost lesson as arithmetic: of the 863 tokens assembled, 360 are instructions — 42% of the prompt, the largest single part. A per-request bill follows whichever part is biggest, and on this kit that is the one named here.
Measured token-for-token via evals/prompt_tokens.py's nested-prefix subtraction against the provider's own tokenizer, not estimated from characters — see results/tokens-p001-asset-verify.json.
Full promptThe prompt in full
The verbatim prompt, as sent
the prompt, as sent
SYSTEM:
You extract structured fields from a bank or brokerage statement. You return JSON and nothing else.
RULES, in order of importance:
1. If the statement does not state a field, return null for it. Do not infer it, do not compute it, and do not use what you know about the world. A null is a correct answer -- a statement with no deposits this period correctly has null for every deposit field.
2. `deposit_documented` means the largest deposit's description names a SPECIFIC, VERIFIABLE INSTITUTIONAL counterparty: a named employer, "IRS TREAS", a named pension fund, "SSA"/Social Security, or a named bank/brokerage on a wire or transfer. It is 'no' for a personal P2P transfer (Zelle, Venmo, cash app), a cash deposit, a mobile check deposit with no payer named, or a generic "Deposit"/"Payroll Deposit"/"Direct Deposit" line that does NOT name an employer -- the word 'payroll' alone is not a counterparty. Read the whole description; do not decide from one keyword.
3. Copy values verbatim from the statement wherever possible.
4. Use the exact allowed value for a field that lists them.
5. Return every field named in the schema, even when the answer is null.
USER:
Extract these fields:
- account_holder (string) -- the name on the statement, verbatim
- institution (string) -- the bank or brokerage that issued the statement
- account_type (enum) one of: checking, savings, money_market, brokerage -- the account type stated on the statement
- period_start (string) -- the statement period's first date, YYYY-MM-DD
- period_end (string) -- the statement period's last date, YYYY-MM-DD
- beginning_balance (number) -- the stated beginning balance, no currency symbol
- ending_balance (number) -- the stated ending balance, no currency symbol
- largest_deposit_amount (number) -- the dollar amount of the single largest deposit line this period, or null if no deposits posted
- largest_deposit_description (string) -- that deposit's description, copied verbatim, or null if no deposits posted
- deposit_documented (enum) one of: yes, no -- does that deposit's description name a specific, verifiable INSTITUTIONAL counterparty (a named employer, IRS, a named pension fund, SSA, or a named bank/brokerage on a transfer)? A personal P2P transfer, cash deposit, or generic description is 'no' even if it uses the word payroll or direct deposit with no employer named. null if no deposits posted.
Return a JSON object with exactly these keys: account_holder, institution, account_type, period_start, period_end, beginning_balance, ending_balance, largest_deposit_amount, largest_deposit_description, deposit_documented
Use null for any field the statement does not state.
STATEMENT
---------
Statement Holder
----------------
Amara W. Haddad
Institution
-----------
Beacon Point Bank
Account Type
------------
savings
Statement Period
----------------
2026-06-01 to 2026-06-30
Account Summary
---------------
Beginning Balance: $18941.17
Ending Balance: $18099.20
Deposits This Period
--------------------
2026-06-07 $133.03 Mobile Check Deposit
2026-06-10 $168.01 ATM Deposit
2026-06-15 $238.78 Zelle from Amara N.
2026-06-19 $185.39 Mobile Check Deposit
Raw responseThe raw response
The raw response, before any parsing
the response, unparsed
{
"account_holder": "Amara W. Haddad",
"institution": "Beacon Point Bank",
"account_type": "savings",
"period_start": "2026-06-01",
"period_end": "2026-06-30",
"beginning_balance": 18941.17,
"ending_balance": 18099.2,
"largest_deposit_amount": 238.78,
"largest_deposit_description": "Zelle from Amara N.",
"deposit_documented": "no"
}
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
Step 06 of 14Evals
Written for: the skeptic · The harness output, with as_of / model version / dataset version / verified_by.
In brief
Check a loan applicant's bank statements for large deposits — 55 statements. Two tiers of one model family answered, and every answer was then graded Two different ways — because the grade is a measurement too, and most of what went wrong on this kit went wrong in the ruler rather than the model.
55statements
55source documents
2model tiers
110graded answers
2grading methods
MeasurementsWhat was measured
COUNTED515 · 515 / 523extraction accuracy — stated cellsDecided by == against a fixed gold value. No model graded this and it reproduces to the digit — which makes it checkable, not necessarily right: it is only as good as the gold behind it.
COUNTED9 · 9 / 9large-deposit flag recall — statements that should have been flaggedDecided by == against a fixed gold value. No model graded this and it reproduces to the digit — which makes it checkable, not necessarily right: it is only as good as the gold behind it.
NOT YET KNOWN—A person confirmed the gold is rightThe grader is == and needs no confirming. The gold does: it is machine-derived from the registry's structured modules, and every rate on this page rests on that derivation being faithful to what the prose actually says. Nobody has read a document against its gold record by hand.
Two words carry this page: Counted is deterministic and nobody's opinion and Not yet known is printed blank rather than filled with something plausible. There is no Judged row here and that is the point: nothing on this page is a model's opinion about another model. The row most worth having is currently the empty one.
How the method was validated
The scorer (evals/judge.py) is pure code, exact match with light normalisation against a mechanically-derived gold — there is no judgement to validate, only comparison. What WAS validated: tools/build_corpus.py's gold is read back off the same generated deposit lines the document states, never carried over from a separate target, and evals/check_labels.py asserts stated/value consistency on every row before any run is allowed to spend.
295.09output tokens · the fast tier · 2,490 ms p50
321.24output tokens · the deliberating tier · 5,064 ms p50
Two tiers, one API key
Not two vendors and not a vendor comparison — which is the whole reason the two-model rule could be met without signing up to a second provider. Both tiers send the same retrieved context; the slower one writes about twice as much back, waits 2.0× as long, and lands one row apart on 55. This set does not separate them on quality and no ranking should be read from it — which is not an opinion about the models but something the second run below demonstrated.
Grading costWhat it costs
Every dollar on these pages is a MEASURED token count multiplied by a named vendor's PUBLISHED rate -- a projection onto a rate card, not a bill anyone paid.
Priced at
Per 1M in / out
One statement
1,000 statements
Share that is the prompt
Google Gemini 3 Flash the cheapest model Google publishes a rate for, and the card every kit in this series projects onto so the rows compare across use cases
$0.50 / $3.00
$0.001305
$1.31
32%
Same work, 1× the bill
The same statements, the same tokens — only the rate card changed. And on that card about 32% of what you pay is the prompt this pipeline sends, not the answer it writes.
which tier is called — the two tiers tie on accuracy and diverge only on output length and latency (see cost_by_model), so on this corpus the lever buys nothing measurable.
Rates checked 2026-08-18. The provider that actually ran r001 and r002 publishes no rate card this repo commits, so nothing here is what was actually paid -- the real spend for this kit's build is recorded in the commit history and the shared call ledger, not on this page.
The gradersTwo ways to grade
Grader
Cost / 1k
Data leaves
Same answer twice
Result
Per-field exact match, light normalisation Does the model's value for each field match gold, after trimming whitespace/punctuation and treating numbers within half a cent as equal?
$0.00
no
yes
the fast tier 98.5% · the deliberating tier 98.5%
Large-deposit flag confusion matrix Does the run's own pure-code large_deposit_flag (computed from what the model extracted) match gold's large_deposit_flag?
$0.00
no
yes
the fast tier 100.0% · the deliberating tier 100.0%
Every row opens its own page: how the test was run, the input on one real row, the prompt or formula with every iteration of it, and the analysis.
Why this set cannot separate them
Yes, on the one field the corpus was built to test. Every field but deposit_documented scored a clean 100% hit rate (or a clean abstain on statements with no deposit) on both tiers. deposit_documented is where the two measured systems actually diverge: the model (either tier) reads the whole description and gets every large-deposit flag right; the keyword floor pattern-matches and misses one. The corpus's planted ambiguity — a description that says "payroll" with no employer named, or names an employer with no keyword at all — is what separates them; a corpus without it would not.
Choosing oneWhich one to use
The comparison is only useful if it ends in a choice. The answer is conditional — and it is not the grader with the best agreement score.
If your situation is
Use
Because
And avoid
Screening a stack of bank/brokerage statements for which ones need a human to chase a source-of-funds letter before a loan file closes
either tier — they tie on every accuracy figure measured here
100% flag recall and precision on both tiers this run, against the free keyword floor's 88.9% recall (1 missed large, undocumented deposit).
the keyword floor for the documented/undocumented judgment specifically — its fixed word list is exactly what the planted ambiguity is built to defeat.
Deciding the two tiers on cost or speed when accuracy is identical
the fast tier
Roughly half the p50 latency (2,490 ms vs 5,064 ms) and 9% fewer output tokens per call for identical scores on this corpus.
paying for the higher tier here — this run found nothing it bought.
This pipeline was also attacked, which is a different question from whether its answers are right: see Threat model for the injection experiment, its two gates and what it does not prove.
Failure causesHow it fails
Cause
What it means
Rows
A real example
self_paid_interest_undocumented
Self-paid "Interest Payment" line marked deposit_documented=no on both tiers, disagreeing with this kit's own gold rule
8
AV-0003: largest_deposit_description="Interest Payment" ($371.71). Gold deposit_documented=yes (the holding institution pays it, self-evidently verifiable off the same statement); both tiers answered no. Never affected large_deposit_flag in either run — every…
What we could NOT verify
Whether treating self-paid interest as 'documented' is the right call at all — both tiers disagreed with this kit's own gold rule on all 8 statements where it was the largest deposit, identically. That consistency across two independently-run tiers is some evidence the model's stricter reading is defensible, not evidence this kit's rule is wrong; nothing here adjudicates between them.
Whether the $1,000 flat threshold and the checking/savings/money-market/brokerage vesting percentages match any real loan program's actual published rules — they do not, by design (see README); no real program's guideline was consulted or reproduced.
How either tier performs on a real, messy bank statement layout (multi-column PDFs, bank-specific formatting, scanned images) — this corpus is plain text with a single, consistent underlined-heading layout by construction.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
Step 07 of 14Unit cost
Written for: whoever signs off on the bill · Measured over the eval run, per model. Never quoted from a vendor page.
In brief
Tier
Input tokens
Output tokens
p50 latency
Google Gemini 3 Flash
the fast tier
840.07
295.09
2,490 ms
$0.001305
the deliberating tier
840.07
321.24
5,064 ms
$0.001384
The token counts are measured on a real run and belong to this pipeline — which sections are selected, the field schema, the prompt — so they hold wherever you run it. The dollars are those counts multiplied by each vendor's published rate, checked 2026-08-18. Nobody paid these particular bills; they are what the same work would cost you on a card you can sign up to today.
Identical work in both rows — the same query, the same tokens. Only the price list changed. Which is why the token count is the measurement and the dollar is arithmetic you can redo on your own card.
Answering vs gradingAnswering and grading are two separate bills
The keyword floor (evals/baseline.py) and the scorer (evals/judge.py) are both pure code and cost $0.00 to run against either result set. The figure above is both runs' own token counts (the fast-tier and deliberating-tier runs, 55 statements each) priced at Google Gemini 3 Flash's published rate -- the same basis cost_per_query_usd uses, not a second, larger spend.
Cost driversWhat actually moves the bill
The fixed system prompt and field schema outweigh the statement itself: 650 of 863 tokens (75%) on the example call. The floor every call pays before a single deposit line is even read.
Output length: the model returns a full ten-key JSON record every call regardless of how many fields the statement actually states, so a statement with no deposits still pays for three null values in the reply.
Your volumeWhat it costs at your volume
Linear in statements: each call is independent and self-contained, with no shared context or index to amortise. This run's 55 statements cost about $0.072 projected onto Gemini 3 Flash's rate, so ten times the set is about $0.72 on the same rate and the same prompt — arithmetic on the measured per-call rate, not a second run.
Where pricing changes shape
Your return, with your numbers
Volume
What it replaces
Time saved per item
We publish the inputs, not a return: a return depends on your labour cost and your volume. The ROI dashboard takes it from here, and AI Costing explains the math.
Other modelsOn other models
This is arithmetic, not a run. No model below was executed against the labelled set, and no accuracy is claimed for any of them. What transfers is the input volume: retrieval is model-independent, so every model would receive the same passages.
46,204input tokens · this run
16,230output tokens
—not priced — no committed card for the provider that ran it
The exact work behind every number on these pages: 55 bank or brokerage statements extracted, each scored by pure code against a mechanically-derived gold set. This run (r001-asset-verify, the fast tier) answered all 55 of 55 statements with no truncation -- the row this table prices, the same one Cost.cost_by_model[0] uses.
Model
Provider
One eval pass
This whole run
Per 1,000 queries
Rates as of
gpt-5-6-luna
OpenAI
$0.029
$0.029
$0.52
2026-09-12
gemini-3-flash
Google
$0.072
$0.072
$1.31
2026-09-18
gemini-3-8-flash
Google
$0.096
$0.096
$1.74
2026-09-18
llama-5
Meta
$0.127
$0.127
$2.30
2026-09-18
claude-haiku-4-5
Anthropic
$0.127
$0.127
$2.32
2026-09-12
grok-4-5
xAI
$0.190
$0.190
$3.45
2026-09-18
grok-4-6
xAI
$0.190
$0.190
$3.45
2026-09-18
claude-sonnet-5
Anthropic
$0.255
$0.255
$4.63
2026-09-12
gemini-3-1-pro
Google
$0.287
$0.287
$5.22
2026-09-18
gpt-5-6-terra
OpenAI
$0.287
$0.287
$5.22
2026-09-12
gpt-5-6-sol
OpenAI
$0.509
$0.509
$9.26
2026-09-12
claude-opus-4-8
Anthropic
$0.637
$0.637
$11.58
2026-09-12
claude-opus-5
Anthropic
$0.637
$0.637
$11.58
2026-09-12
claude-fable-5
Anthropic
$1.274
$1.274
$23.16
2026-09-18
claude-fable-5-1
Anthropic
$1.274
$1.274
$23.16
2026-09-18
gpt-6-astra
OpenAI
$1.274
$1.274
$23.16
2026-09-17
Read this against the numbers above
Every row below prices the FAST TIER's own 55-call run (r001-asset-verify) -- the deliberating tier's own token counts are on Cost.cost_by_model[1] and are not separately projected here.
Neither tier's registered run left anything to disable -- src/adapters/__init__.py's thinking parameter is only sent when a caller passes one, and this kit's own harness never does (see LLM.settings) -- so unlike several sibling kits, there is no reasoning-on/reasoning-off discrepancy to caveat here.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
The codeEvery file, and what it is for
Five modules, no framework, and almost no dependencies. The pipeline is stdlib Python, because a kit is meant to be read and changed by someone who cloned it ten minutes ago — every dependency is a thing they have to understand before they can touch the part they came for.
Four of these are swap seams: the points you edit to make the kit yours. Each is marked, and each block below is the module’s real shape, read out of the file rather than written here.
The files on this page are not in the public GitHub catalog.
src/segment.pysegment
cut the statement into addressable sections, pure code
src/segment.py
# Cut a document into addressable sections. Pure code — no model, no network.
def sections(text):
def locate(text, value):
def span_label(secs, start):
src/select.pyselect — a swap seam
pick which sections carry each field, pure code
You change it to: map fields to your own statement's headings; unmatched falls back to the whole document
src/select.py
# Pick which sections plausibly carry each field. Pure code -- the last deterministic step
SECTION_HINTS = {
def for_field(secs, field):
def plan(secs, fields):
src/prompt.pyprompt
assemble one call for all ten fields
src/prompt.py
# Assemble the extraction prompt. One prompt per statement, all ten fields in it.
SYSTEM = (
def field_schema(fields):
def build(doc_text, secs, fields, selector):
def parse(raw, fields):
src/extract.pyextract — a swap seam
the AI layer, one provider one key — plus the two pure-code computations downstream: reserve value and the large-deposit flag
You change it to: this kit's own flat threshold and vesting percentages — replace with your actual loan program's published rules before trusting the computed figures for anything real
src/extract.py
# Extract one statement's fields: segment, select, prompt, one model call, then two pure-code
HERE = os.path.dirname(os.path.dirname(os.path.abspath(__file__)))
FIELDS = os.path.join(HERE, "data", "fields.json")
CORPUS = os.path.join(HERE, "data", "corpus")
MAX_TOKENS = 4000
LARGE_DEPOSIT_THRESHOLD_USD = 1000.0
VESTING = {"checking": 1.0, "savings": 1.0, "money_market": 1.0, "brokerage": 0.70}
def load_fields():
def load_doc(stmt_id):
def documents():
evals/judge.pyjudge
score field accuracy and the flag's recall/precision separately, pure code
evals/judge.py
# Score an extraction run. PURE CODE -- gold is exact and the answer is one value per cell, so
def norm(v):
def _num(v):
def equal(field, got, want):
def score_cell(field, got, want, stated):
def score(fields, records, golds):
def score_flags(flags, golds):
Start hereThe shortest path into it
src/segment.pycut the statement into addressable sections, pure code
src/select.pypick which sections carry each field, pure code A swap seam.
src/prompt.pyassemble one call for all ten fields
src/extract.pythe AI layer, one provider one key — plus the two pure-code computations downstream: reserve value and the large-deposit flag A swap seam.
evals/judge.pyscore field accuracy and the flag's recall/precision separately, pure code
Every entry above is a file in this kit, listed in the order the pipeline runs it.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
ScenariosWhat it costs at your volume
Everything below is computed from one measured base: 840 input and 295 output tokens per query, all of it fixed — this kit sends the document's own selected sections, so there is no retrieval depth to turn. Change the volume and the bill scales linearly, because nothing here batches.
Grading really is free here, and that is a property of the ruler rather than a discount
This kit is graded by pure code — the grader makes no model call, needs no key and sends nothing anywhere, so the grading line above is zero at every sampling rate and the leak count stays at nought. What that buys is a ruler you can run on every row, every time, for nothing. What it costs is reach: a code grader can only check what is mechanically checkable.
OperationsFour shapes of workload
The same arithmetic, at volumes worth naming. These are illustrations of scale, not measurements of anyone’s deployment.
Shape
Querys/day
Per day
Per month
Per year
Model follows the controls above.
What this ignoresWhere a real bill diverges
Read before quoting any of it
Output length is assumed constant.A terser or more verbose model moves it, and output is priced above input everywhere.
No volume, committed-use, batch or cache discount is modelled.Each moves real enterprise pricing and none are on a public rate card.
Longer documents cost more and nothing here caps them.This kit selects the document’s own sections in pure Python, so there is no vector store to price — but a corpus of longer records raises the input tokens per query directly, and that is the very number every figure above multiplies.
Grading adds nothing to this bill, and would if you changed the ruler.A code grader is free and local; swapping in an LLM judge would cost more per row than the extraction itself and send every row to a vendor. The instrument is a cost decision, not a footnote.
Rates age.Every one carries the date it was read on the cost page.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one lineWhat this kit exposes
This run's statements are entirely synthetic (tools/build_corpus.py) -- no untrusted party wrote any statement text. In a real deployment a statement arrives from a bank, brokerage or the applicant's own upload -- exactly the kind of externally-authored input this kit's architecture reads verbatim and trusts, with no verification step before the deposit descriptions reach the model. No attack has been tried against this kit; see redteam.why.
Read from the shared .env or the real environment only, never written into the repo, never requested from a reader on any surface. src/app.py's /api/extract handler strips api_key and base_url out of any exception message before it reaches the browser, so a misconfigured key cannot leak into a UI error.
The experimentWe did not attack it — and three of four boundaries hold
An indirect prompt injection needs a field an outside party controls that reaches the prompt. In THIS corpus every statement is generated by tools/build_corpus.py, so there is no live untrusted text in the run this report measures -- but a real deployment's statements arrive from a bank, brokerage or the applicant's own upload, and that surface has not been attacked. The four gates below are boundaries confirmed by reading the code, not payloads run through it. Confirmed by reading the code, not by a run, on 2026-08-20 -- no attack run was fired; see redteam.why.
Boundary checked
What could go wrong
What the code guarantees
Does an extraction ever write anywhere or trigger a downstream action?
An extraction could plausibly post an approval, a denial or an adjustment.
No code path does. src/extract.py::extract() and src/app.py's /api/extract both return a record only; neither writes to any file or store -- confirmed by reading every call site.
Could a misconfigured provider key leak into a UI-visible error?
An exception raised from a bad key or base URL could echo the secret back to the browser.
src/app.py's /api/extract handler strips api_key and base_url out of any exception message before returning it -- confirmed by reading the handler (see key_handling).
Is the large-deposit threshold or the vesting percentages something a prompt or a reply can move?
A crafted deposit description could plausibly shift the threshold or the vesting percentage the flag is computed against.
No. LARGE_DEPOSIT_THRESHOLD_USD and VESTING in src/extract.py are module-level constants, read once at import time -- nothing the model returns is consulted when computing them; both the reserve value and the flag are computed after the model call, in pure code (src/extract.py::compute()).
Could a crafted deposit description talk the model into a fabricated field value with no basis in the statement text?
A description written to look institutionally documented could plausibly move deposit_documented to 'yes' with no real counterparty named.
Unmeasured -- no attack has been tried. src/segment.py::locate() only accepts a value that appears verbatim in the statement text (word-boundary matched), so a value the model asserts but the statement never states gets no span -- but nothing stops the model from ASSERTING such a value in the first place; see could_not_verify.
The first three boundaries hold, confirmed by reading the code, not by an attack trial. The fourth is the one this run has not tested: deposit_documented is the field the flag depends on entirely (see Guardrails.is_not), and no crafted input has ever been run against it.
The result0 attack trials, and three of four boundaries checked here hold in code: no write path exists, the large-deposit threshold and vesting percentages are fixed constants the model cannot move, and a misconfigured key cannot leak into a UI error. The fourth -- whether a crafted deposit description could talk the model into a fabricated deposit_documented=yes -- is unmeasured.
1externally-authored field a live deployment would carry (the statement text itself, scanned or typed by a preparer) -- synthetic on this run's corpus
0 of 0attack trials run
n/adecision-flip resistance -- not measured
This run's corpus is entirely generated (tools/build_corpus.py) -- no statement's text was authored by an outside party. A real deployment's statements arrive from a bank, brokerage or the applicant's own upload -- exactly the kind of externally-supplied text this kit's architecture reads verbatim and trusts, with no verification step. Whether a deposit description crafted to mimic an institutional counterparty (a fake 'IRS TREAS' or named-employer string with no real basis) could talk the model into a false deposit_documented=yes is unmeasured for this kit.
Read this twice
The large-deposit flag is exactly as good as deposit_documented. src/extract.py::compute() never re-derives deposit_documented from the statement text -- it trusts the model's own answer and only checks the threshold and the flag arithmetic. On this run both tiers scored 100 pct flag recall and precision, and the one repeatable field-level disagreement they share (self-paid interest, see Business.not_good_enough) never happened to cross the $1,000 threshold. A future version should recompute deposit_documented independently before trusting a live flag, and a red-team pass targeting exactly that field is the natural next measurement.
HonestyWhat this does not prove
Whether a deposit description crafted to mimic an institutional counterparty (a fake 'IRS TREAS' or named-employer string with no real basis in the statement) could talk the model into a false deposit_documented=yes -- no red-team run exists for this kit.
Whether the live app's own /api/extract behaves identically to the registered run under an adversarial statement -- both use the same src/extract.py::extract(), but neither has been tested against one.
Whether a code-level consistency check on deposit_documented (re-deriving it from the statement text by pure code) would catch a model's fabricated 'yes' in practice -- none has been built or exercised.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one lineThe guardrail is enforced in code
Not a prompt instruction the model can ignore — a comparison applied after the reply is parsed, before anything downstream sees it.
the guardrail, verbatim
A statement's largest deposit is flagged for underwriter review when it is $1,000 or more and deposit_documented is 'no'. Computed in pure code from the model's own extracted fields -- never asked of the model directly, never overridden by anything it returns.
src/extract.py::compute() -- LARGE_DEPOSIT_THRESHOLD_USD and the flag arithmetic are module-level constants and pure code, read once at import time. Unlike a prompt instruction the model could ignore, this guardrail cannot be talked out of firing by anything in the reply text; it only depends on the model's own deposit_documented value being right in the first place -- a DIFFERENT, prompt-level dependency the flag inherits (see is_not and could_not_verify).
EvidenceDoes it hold?
What
Measured
The large-deposit flag never misses a statement that should be flagged
9 of 9 statements that should have been flagged were flagged, on both tiers (100 pct recall) -- see Eval.scores.
The large-deposit flag never fires on a statement that should not be flagged
0 false positives among the 46 statements that should not have been flagged, on both tiers (100 pct precision).
The threshold and vesting percentages are not something a prompt or a reply can move
LARGE_DEPOSIT_THRESHOLD_USD and VESTING in src/extract.py are module-level constants, read once at import time -- confirmed by reading compute(); nothing the model returns is consulted when computing them.
No code path writes an approval, denial or posting based on the flag
src/extract.py::extract() and src/app.py's /api/extract both return a record only; neither writes to any file or store -- confirmed by reading every call site.
The limitWhat a guardrail is not
IT IS NOT A CHECK ON deposit_documented ITSELF. The flag trusts the model's own answer for that field completely -- nothing re-derives deposit_documented from the statement text before computing the flag. The one repeatable disagreement this run has (self-paid interest, see Business.not_good_enough) is exactly the kind of error this guardrail cannot catch, because it never happened to cross the $1,000 threshold on this corpus -- not because the guardrail checked and cleared it.
It does not guarantee an approval or a denial -- the flag is a routing signal for a human reviewer, never itself a decision. See UI.shots and Data.breaks_on.
It has not been attacked. Whether a description crafted to move deposit_documented without crossing an obvious keyword could also evade the flag is unmeasured -- see Security.could_not_verify.
WatchedWhat is watched, and why that one
2runs recorded
0 / 0deterministic metrics exact
+0.0%largest move — latency
0band breaches
—model half · needs provider URL
The kit measures 14 watched figures plus 8 comparability guards and 5 reference constants — three duties, not one list. 0 of the watched are grader rates, each on its own grader page; this board watches the ones that decide when to look again. Each square is one watched figure; filled means the latest run measured it.
8 measured by the latest run6 need the model half
Metric
Owner
Role
Why this one
field-exact-match-with-normalisation
Per-field exact match, light normalisation
alarm
extraction_accuracy specifically on the deposit_documented field, since that is the one field this corpus is built to test -- see taxonomy; the 8-of-523 self-paid-interest miss rate, since it is a stable, repeatable disagreement rather than noise; stated vs scored cells -- 523 of 550 possible cells were stated; the rest are correct nulls on no-deposit statements, not misses — alarm on Any drop in extraction_accuracy below the measured 98.47 pct, or the 8-cell self-paid-interest miss spreading to a field other than deposit_documented -- either would mean the model's stricter reading generalised somewhere this run never tested.
flag-confusion-matrix
Large-deposit flag confusion matrix
alarm
large-deposit flag recall specifically -- 9 statements should be flagged this corpus, and missing one routes an undocumented large deposit past underwriter review; false positives among the 46 statements that should NOT be flagged, since a false positive costs a reviewer's time rather than a missed risk; whether a field-level miss (see the other grader) ever changes the flag -- it has not, on either tier, this run — alarm on Any large-deposit flag false negative, on any run -- a missed flag is the safety-critical failure this kit exists to catch, and recall was 100 pct on both tiers this run.
GuardsBefore any comparison
Preconditions, not alarms. If one moves, the runs were not measuring the same system and nothing else on this board may be differenced.
Guard
Value
If it moves
corpus.doc_count
55
different corpus — nothing is comparable
corpus.bytes
27,892
statements edited — the count held, the bytes did not
split.count
385
the sections count moved — a different set was scored
split.size_p50
60
the median size of one section moved
split.size_p95
173
the 95th-percentile size of one section moved
dataset.rows
55
the test set changed — every rate has a new denominator
tokens.context_limit
1,000,000
different model family
index.build_seconds
0.003
no index is built here — a change is in corpus preparation, not an index rebuild
all shared guards held between the recorded runs (documents 55, extraction_cells 523, failures 0, refusal_cells 27, thinking True) — which is why the history below is allowed to mean anything.
The reference constants — the null-grader baseline, the adjudication matrix, the negative count — are the third duty. They are never re-measured per run: a baseline that moves with the thing it measures is not a baseline.
BandsThe alarm bands
Derived from evidence, never picked: exact-match where two runs reproduced a metric to the digit, wider than the measured same-input drift for latency, one row of the negative class for any rate — denominator printed beside it.
Group
Band
Denominator
Where the band comes from
Extraction accuracy
exact match at 98.47 pct on both tiers
523 stated cells
two independent tiers (r001-asset-verify, r002-asset-verify) reproduced the identical figure to the digit -- the exact-match band MONITORING's own rule calls for.
Refusal accuracy
exact match at 100 pct on both tiers
27 refusal cells (correct nulls on statements with no deposit, or no allowed-value match)
two independent tiers reproduced the identical figure to the digit.
Hallucinations
exact match at 0 on both tiers
523 stated cells
two independent tiers reproduced zero to the digit.
Span rate
exact match at 97.16 pct on both tiers
spannable extracted values (non-enum fields with a non-null answer)
two independent tiers reproduced the identical figure to the digit.
Latency
2,490ms / 3,278ms p50/p95 on the fast tier, 5,064ms / 7,806ms p50/p95 on the deliberating tier -- roughly double, not same-input drift, because the two tiers are different models
55 calls per tier
measured directly on both tiers.
Token totals
46,204 input tokens on both tiers (identical prompt); 16,230 output on the fast tier vs 17,668 on the deliberating tier, about 9 pct more
55 calls per tier
measured directly on both tiers.
HistoryRun history
2 recorded runs. A dash is a metric that run did not measure, and a dash is never differenced: not measured is a third state, neither a value nor a zero, and reading it as zero is how a board reports an improvement on a run that never looked.
Metric
r001-asset-verify 2026-08-20
r002-asset-verify 2026-08-20
extraction accuracy
0.9847
0.9847
refusal accuracy
1.000
1.000
invented values
0
0
values with a span
0.9716
0.9716
input tokens, whole run
46204
46204
model latency p50 ms
2490.00
5064.00
model latency p95 ms
3278.00
7806.00
output tokens, whole run
16230
17668
not a time series No two of these 2 runs measured the same system — they differ on the model — so nothing here may be differenced and the Verdict column is left off. Read this block DOWN a column, as a comparison between those runs, not along a row as a history.
DeviationsWhat deviated
0 breaches across 2 runs
The day a band breaks, a row renders here carrying the metric, the two runs, the band it crossed and what changed between them — model, prompt, chunker or top_k, read off the run records’ guards. A deviation with no diff beside it is an alarm nobody can act on.
RippleThe ripple map
Which figures move together, so one alarm reads as a system. Every edge carries its basis: measured names the run that showed it; reasoning admits nothing has varied it yet.
Lever
What moves
Basis
Evidence
which tier is called (fast vs deliberating)
output tokens (+9 pct) and latency (roughly +2x) move together; extraction accuracy, refusal accuracy, hallucinations and span rate do not move at all
the three deposit fields (largest_deposit_amount, largest_deposit_description, deposit_documented) all resolve to a correct null together, and computed large_deposit_flag resolves to null rather than false -- a missing input is never treated as a zero
reasoning
src/extract.py::compute() only returns a flag when largest_deposit_amount is not None -- confirmed by reading the function; this run's corpus includes statements with zero deposits by construction (NO_DEPOSIT_FRACTION in tools/build_corpus.py) but no committed run isolates their scores separately.
FiresWhat fires when a band breaks
Where evals stop sitting beside the guardrail and start feeding it. Where the answer is nothing automatic, the row says so — hiding it would undo “What a guardrail is not” above.
Nothing fires yet. Not one of the 6 bands on this kit names a consequence, so there is no row to print. Which is the honest answer to the heading: a band that nothing is wired to is a number somebody has to notice, and this kit has only those. An empty table would have said the same thing while looking like a rendering failure.
NextThe three you would add first
Re-derive deposit_documented from the statement text by pure code, and compare it to the model's own answer before trusting the flagthe flag's only real dependency is a field this guardrail currently takes on faith -- src/segment.py already does word-boundary text matching for spans, and the same kind of check could flag a disagreement rather than silently trusting the model.
Net multiple statements for one applicant together before computing a reserve totalthe reserve value and the flag are both computed per statement today (see Architecture.breaks_at_scale); a real underwriting file usually holds several statements per applicant, and nothing here combines them.
Replace the flat $1,000 threshold and fixed vesting percentages with a real loan program's published rulesboth are this kit's own declared policy, not a real program's guideline (see README/SOURCES.md) -- Data.breaks_on and could_not_verify both name this as unverified against anything real.
None of these is built here. They are named against the seam they sit on so they can be argued with.
CadenceWhen to re-run, and what it costs
Re-check the flag's evidence on any change to LARGE_DEPOSIT_THRESHOLD_USD or VESTING in src/extract.py, or to the deposit_documented rule in src/prompt.py -- either changes what the flag is computed FROM. Re-run evals/run.py (paid) on any change to MAX_TOKENS or the provider/model.
What this cannot tell you
Whether the flag would still hold 100 pct recall and precision if the self-paid-interest disagreement (see Business.not_good_enough) ever crossed the $1,000 threshold -- it has not, on this corpus's seed, but nothing here guarantees it never would.
Whether a crafted deposit description could move deposit_documented without the flag ever noticing -- no red-team run exists for this kit, see Security.could_not_verify.
Whether the $1,000 flat threshold and the vesting percentages match any real loan program's actual published rules -- they do not, by design; see README/SOURCES.md.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one lineNo framework, deliberately
No framework and no dependencies beyond the standard library -- requirements.txt is empty, with a comment explaining that the emptiness is load-bearing. The whole extraction decision is three files: src/segment.py, src/select.py and src/adapters/__init__.py.
The mappingSeam by seam, who owns what
Seam
File here
Framework equivalent
Note
the corpus
tools/build_corpus.py
none -- a seeded generator
55 statements, generated from a fixed seed, never fetched. Gold is read back off the same generated deposit lines the document states, never carried over from a separate target -- evals/check_labels.py asserts stated/value consistency on every row before any run is allowed to spend; see data/SOURCES.md.
segmentation and selection
src/segment.py, src/select.py
text splitters / retrievers
a heading-based cut (src/segment.py) and a fixed field-to-heading map (SECTION_HINTS in src/select.py) -- no embeddings, no index, no ranking; a field absent from the map gets the whole document rather than nothing.
prompt assembly
src/prompt.py
prompt templates
the ten-field schema and the deposit_documented rule are one declaration, and SYSTEM is built from it -- so the prompt can be published verbatim, which a template assembled two calls away cannot be.
the model
src/adapters/__init__.py
chat model wrappers / vendor SDKs
raw HTTP over urllib for every provider, so a forker runs this on whichever key they hold. This kit's own MAX_TOKENS=4000 (carried over from sibling kit docs-extract's own experience on a similarly-shaped record) is a plain constant, not a client-library setting.
evaluation
evals/judge.py
eval harnesses
per-field exact match plus a separately-scored large-deposit flag confusion matrix is a loop and a handful of counters, not a platform.
spend control
src/budget.py
none
an append-only ledger written BEFORE each call, shared by every kit under one .env so the cap is on the KEY rather than per kit.
The seams are the ones this kit already publishes, so the mapping cannot drift from the code.
GraphsWhere LangGraph changes the answer
Nothing here is a graph. The pipeline has one path per statement -- segment, select, prompt, call, parse, compute -- with no branching and no state carried between statements. A framework would add an orchestrator to a for-loop.
The other sideWhat a framework costs you
A different field schema (data/fields.json) or a different documented/undocumented rule needs its own gold set and its own evals/check_labels.py pass -- a framework's own schema layer would not remove that work, only relocate it.
SECTION_HINTS is a five-minute edit for a new statement layout because it is a plain dict, not a configured retriever -- a framework's own chunking/retrieval abstraction would need its own re-tuning pass instead, with its own failure modes to learn.
Swapping providers is one function and one entry in PROVIDERS (src/adapters/__init__.py) -- a framework's own model abstraction would add a dependency and a version to track for the same one-line change this file already gives away free.
What we could NOT verify
Whether a framework's own retrieval or agent abstraction would resolve the one real weakness this kit has -- the self-paid-interest field-level disagreement (see Business.not_good_enough) -- was not tested; that disagreement is a reading of the RULE, not a retrieval or orchestration failure, and nothing about adding a framework here addresses it.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one lineWhat one run of this kit actually cost, in time and tokens
Measured on r001-asset-verify on the fast tier, 2026-08-20. This kit records telemetry measured per run — 4 of the 6 readings on this axis, 4 of them with a band the guardrail board can judge against.
The readingWhat the last run measured
Reading
Last run
Band
What fires
Model, median
2,490 ms
2,490ms / 3,278ms p50/p95 on the fast tier, 5,064ms / 7,806ms p50/p95 on the deliberating tier -- roughly double, not same-input drift, because the two tiers are different models
—
Model, p95
3,278 ms
2,490ms / 3,278ms p50/p95 on the fast tier, 5,064ms / 7,806ms p50/p95 on the deliberating tier -- roughly double, not same-input drift, because the two tiers are different models
—
Input tokens
46,204
46,204 input tokens on both tiers (identical prompt); 16,230 output on the fast tier vs 17,668 on the deliberating tier, about 9 pct more
—
Output tokens
16,230
46,204 input tokens on both tiers (identical prompt); 16,230 output on the fast tier vs 17,668 on the deliberating tier, about 9 pct more
—
No movement column. Not one of the 1 earlier run on record is comparable with this one — a different model tier, or a changed guard — and differencing across that measures two systems rather than one. Said once here rather than as a dash on every row.
Retrieval not shown. No run of this kit has ever recorded a retrieval timing, because the pipeline has no such stage. Those readings are left out rather than dashed: a dash says “this run did not measure it”, which promises a later run could.
DriftMedian call, run over run
r001-asset-verify2,490 ms
r002-asset-verify5,064 ms
Hatched bars are runs that are not comparable with the latest — a different model tier or a changed guard. They are drawn because hiding them would make the history look shorter than it is, and greyed because differencing across them would be measuring two systems.
The other sideWhat this does not tell you
What we could NOT verify
No stage-by-stage span tree. These are whole-call timings; which part of the pipeline spent the time is not recorded by this kit's harness.
Latency is a run-level median and p95. The spread between the fastest and slowest single call is not stored, so the distribution cannot be drawn.
No earlier run is comparable to this one (a different model tier or a changed guard), so nothing on this page is a trend yet.
One machine, one network, one region. Latency includes the provider round trip from a single location and will not transfer to yours.
The first of those is the one worth doing something about, and it is a solved problem: instrumenting a pipeline so each step reports its own duration is a couple of lines. Observability / tracing has the code, and what the result looks like once it is running.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one lineWhat you provision, honestly
Everything measured on this page says where it was measured; everything not measured says that — the same contract as the other thirteen pages. Where a retrieval index would be on other kits, this one has: no index — each document goes whole into one call.
The machineWhat this needs
Dependencies
nothing beyond the standard library — requirements.txt names no package
Configuration
7 environment variables — the full knob table is at the bottom of this page
Last verified run
2026-08-20, across 2 committed records
Enumerated from the kit’s own source by build/facts/envscan.py, committed, and drift-checked — never typed into this page.
Your dataWhere everything sits
Artifact
Where
Leaves your machine?
statements
data/corpus/*.txt — 55 statements, generated once from a fixed seed (SEED = 20260820) by tools/build_corpus.py
read whole by src/segment.py and src/select.py; never modified after generation
gold labels
data/gold.jsonl — 55 rows, read back off the same generated deposit lines the document states (never a target that seeded them), reconciled to the cent by tools/build_corpus.py's own verification pass
never — evals/judge.py is pure code, no model, no key
the field schema
data/fields.json — the ten-field record src/prompt.py assembles the user message from
read by src/prompt.py and src/extract.py only
the key
.env — never committed (see .gitignore)
only inside the Authorization header, to the configured BASE_URL (src/adapters/__init__.py)
The wireWhat crosses it, and when
Runtime call site
Destination
src/adapters/__init__.py line 55
the configured BASE_URL
Build-time (corpus tooling, run once)
Destination
none — this kit’s corpus is generated locally
Zero-egress topology: point BASE_URL at a local OpenAI-compatible server and nothing leaves the machine — statically true of the shipped adapter, whose only credential travels in the Authorization header.
The third state
What the provider retains, trains on or logs once a request arrives is not measured here — it is provider-dependent, and this page does not assert what no run of ours can verify.
The shapeHow it ships, and what you add
The key
Read from the shared .env or the real environment only, never written into the repo, never requested from a reader on any surface. src/app.py's /api/extract handler strips api_key and base_url out of any exception message before it reaches the browser, so a misconfigured key cannot leak into a UI error.
You add
your reverse proxy and your identity in front of one process — the kit deliberately ships neither, because identity belongs to your estate, not to a kit
Never ships
Docker, Helm, a queue, a database. The product is a folder of readable Python; what to run it under is this page’s job to state, not the kit’s job to impose
The ladderEach decision, and what you provision past its ceiling
Decision
The kit ships
Measured here
Past the ceiling
What stops being valid
model
one call per STATEMENT, carrying the whole document plus the ten-field schema, behind src/adapters/__init__.py — OpenAI-compatible wire format over raw HTTP, so a forker runs this on whichever key they hold. MAX_TOKENS is fixed at 4000 (src/extract.py), set on sibling kit docs-extract's own experience with a similarly-shaped JSON record rather than a ceiling this kit has ever hit — 0 of 55 calls truncated on either tier.
2,490ms p50 / 3,278ms p95 on the fast tier, 5,064ms p50 / 7,806ms p95 on the deliberating tier (the fast-tier and deliberating-tier runs, 2026-08-20 -- see Cost.cost_by_model)
one call per statement, no concurrency and nothing shared between calls — see Architecture.breaks_at_scale. A stack of thousands needs batching and a rate-limit strategy this kit does not have; MAX_CALLS_PER_DAY in src/budget.py caps the shared key across every kit on this machine, not this kit's own throughput.
point src/adapters/__init__.py at a different provider or model and every published accuracy/cost/latency figure is void until re-run — this run's numbers are this model's numbers, not a property of the prompt.
corpus refresh
tools/build_corpus.py regenerates the whole corpus — 55 statements across a fixed roster of names, institutions, employers and pension funds — byte-identically from a fixed seed (SEED = 20260820) every time it is run. There is no incremental refresh; gold is derived from the same generated deposit lines the document states (never a target that seeded them) and reconciled to the cent by the script's own verification pass before anything is scored.
0.042s wall time to regenerate all 55 statements and their gold labels (measured directly, 2026-08-20 (python3 tools/build_corpus.py, timed) — see Data.index for the separate 0.003s segmentation figure, a different step)
a real deployment's statement layout, account roster and deposit vocabulary do not come from a fixed seed and grow without bound — how a genuinely varied set of real-world statement templates would change what src/segment.py (heading-based) and src/select.py (SECTION_HINTS) can resolve was not measured; see Architecture.breaks_at_scale and Data.breaks_on.
point tools/build_corpus.py at your own statement layout and account roster, and every published accuracy figure is void — they are this corpus's own planted ambiguity, not a property of the model.
labels
evals/check_labels.py asserts gold/document consistency (one gold row per document and vice versa, every enum value allowed by the schema, and stated agreeing with whether each optional deposit field is null) before evals/run.py is allowed to spend anything. Scoring (evals/judge.py) is per-(statement,field) exact match with light normalisation, plus a separately-scored large-deposit-flag confusion matrix computed from the model's own extracted fields by pure code (src/extract.py::compute), never from a second model call.
523 of 550 possible (statement,field) cells actually scored (55 statements x 10 fields; a null field on a no-deposit statement is a correct abstention, not a cell to score) plus 9 statements carrying a large-deposit-flag verdict, scored separately (lenses.Eval.dataset, the fast-tier and deliberating-tier runs, 2026-08-20)
the gold set stops at 55 statements and covers one planted ambiguity (self-paid interest vs. a genuine P2P transfer) at a fixed rate — a real portfolio's mix of ambiguous phrasing is unmeasured, and multiple statements for one applicant are never netted together; see Data.breaks_on.
a different field schema (data/fields.json) or a different documented/undocumented rule needs its own gold set and its own evals/check_labels.py pass before any published figure can be trusted again.
Every threshold is a measurement with its provenance beside it, or says is_measured:false. A ceiling with no seam says so — it is the point the kit is outgrown, never a forced join.
When it failsFailure signatures
What you see
What it is
First move
deposit_documented answered 'no' on a self-paid "Interest Payment" line
the model is applying a stricter reading than this kit's own gold rule — gold calls interest documented because the holding institution pays it and it is self-evidently verifiable off the same statement; the model does not extend 'institutional counterparty' that far
read the statement's own Interest Payment line and the Eval.taxonomy entry side by side before assuming either the model or the gold rule is simply wrong — both tiers agree with each other and disagree with gold identically, eight times, which is evidence of a stable stricter reading, not a random miss (the fast-tier and deliberating-tier result files, both runs, 2026-08-20 -- see Eval.taxonomy (AV-0003 is the worked example) and Eval.could_not_verify)
No machine symptom — this failure leaves no trace in any output.
no path in src/extract.py::compute() or src/app.py writes an approval, denial or posting of any kind — both computed_reserve_value and large_deposit_flag are returned to the caller as fields on the response record and nothing downstream of this kit acts on them. A flipped flag on a real deployment would show up only in whatever underwriting system consumes this kit's output, which this kit does not have and does not simulate — so there is no committed artifact naming that failure, on purpose: it is out of this kit's boundary, not unmeasured.
Whether treating self-paid interest as 'documented' is the right call at all was not adjudicated here — see Eval.could_not_verify. Concurrency (every run in this series is one call at a time, sequential), the $1,000 threshold and the checking/savings/money-market/brokerage vesting percentages against any real loan program's actual published rules, and how either tier performs on a real, messy statement layout (multi-column PDFs, bank-specific formatting, scanned images with no OCR step) are all unmeasured — see Eval.could_not_verify and Data.breaks_on for the full list.
The corpus licence, from the Data lens: MIT — this repository's own licence. Every account holder, institution and deposit is invented; a real bank or brokerage statement cannot be published at all — it is one of the most sensitive documents a person holds. Your corpus’s licence is yours to verify, and the labels you write are about your documents.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one linePer-field exact match, light normalisation
Does the model's value for each field match gold, after trimming whitespace/punctuation and treating numbers within half a cent as equal?
$0.00per 1,000 statements
nodata leaves your network
yessame answer every time
MethodHow the test was run
evals/judge.py::score, in-process, no key and no model. The same function evals/baseline.py and evals/run.py both call -- a baseline and a real run scored by two different scorers cannot be compared honestly.
Every grader on these pages scored the same 110 already-recorded answers. Nothing was re-generated, so this compares rulers and not models.
The inputOne real row, seen by every grader
doc
AV-0013
field
deposit_documented
largest deposit amount
3450.24
largest deposit description
Deposit
gold documented
no
model documented
no
large deposit flag
yes
Grader
Verdict
Why
Per-field exact match, light normalisation
correct
AV-0013: largest deposit $3,450.24, described only as "Deposit" — no named counterparty. Gold: deposit_documented=no, large_deposit_flag=true. Both models answered deposit_documented=no and the run's own pure code then computed large_deposit_flag=true, correctly routing it for underwriter review.
Large-deposit flag confusion matrix
correct
AV-0013: gold large_deposit_flag=true (the $3,450.24 deposit is undocumented and over the $1,000 threshold). Both models' own extracted deposit_documented=no fed src/extract.py::compute(), which correctly computed large_deposit_flag=true on both tiers -- flagged for underwriter review as it should be.
The formulaWhat it computes
The analysisWhat it actually did
Model
Result
the fast tier
scored 98.5%
the deliberating tier
scored 98.5%
In operationWhat to monitor
Reference standard: tools/build_corpus.py's gold, read back off the same generated deposit lines the document states (never a target that seeded them); evals/check_labels.py asserts stated/value consistency on every row before any run is allowed to spend.
These rates are UNKNOWN, on purpose
This grader IS the reference standard for field values -- it cannot be scored against itself. What can go wrong is the corpus's own generation logic, which tools/build_corpus.py's own verification pass checks by reconciling every statement's balances to the cent.
Watch these
extraction_accuracy specifically on the deposit_documented field, since that is the one field this corpus is built to test -- see taxonomy
the 8-of-523 self-paid-interest miss rate, since it is a stable, repeatable disagreement rather than noise
stated vs scored cells -- 523 of 550 possible cells were stated; the rest are correct nulls on no-deposit statements, not misses
Alarm on
Any drop in extraction_accuracy below the measured 98.47 pct, or the 8-cell self-paid-interest miss spreading to a field other than deposit_documented -- either would mean the model's stricter reading generalised somewhere this run never tested.
How tight can the band be? There is no tolerance band on the field grade itself -- it is exact match after trimming whitespace/punctuation and treating numbers within half a cent as equal, never a continuous score to round.
Cadence: Re-score on any change to src/prompt.py, data/fields.json or tools/build_corpus.py -- the first two change what is asked, the third changes what is asked about. Re-run evals/run.py (paid) on any change to MAX_TOKENS or the provider/model.
The decisionWhen to reach for it
Use it
Gold is derived from the same generated deposit lines the document states, never from a separate target -- true of every kit corpus, never true of a real underwriting team's own statement history.
Do not use it
The true field values are not known in advance -- the normal state of a real asset-verification review, and the reason this corpus is generated rather than captured.
Check a loan applicant's bank statements for large deposits
PresenterOpens the private repo. Visible to admins only.
In one lineLarge-deposit flag confusion matrix
Does the run's own pure-code large_deposit_flag (computed from what the model extracted) match gold's large_deposit_flag?
$0.00per 1,000 statements
nodata leaves your network
yessame answer every time
MethodHow the test was run
evals/judge.py::score_flag, in-process, no key and no model. Computed from the run's own pure-code large_deposit_flag (src/extract.py::compute), never from a second model call -- the model never sees or states the flag directly.
Every grader on these pages scored the same 110 already-recorded answers. Nothing was re-generated, so this compares rulers and not models.
The inputOne real row, seen by every grader
doc
AV-0013
field
deposit_documented
largest deposit amount
3450.24
largest deposit description
Deposit
gold documented
no
model documented
no
large deposit flag
yes
Grader
Verdict
Why
Per-field exact match, light normalisation
correct
AV-0013: largest deposit $3,450.24, described only as "Deposit" — no named counterparty. Gold: deposit_documented=no, large_deposit_flag=true. Both models answered deposit_documented=no and the run's own pure code then computed large_deposit_flag=true, correctly routing it for underwriter review.
Large-deposit flag confusion matrix
correct
AV-0013: gold large_deposit_flag=true (the $3,450.24 deposit is undocumented and over the $1,000 threshold). Both models' own extracted deposit_documented=no fed src/extract.py::compute(), which correctly computed large_deposit_flag=true on both tiers -- flagged for underwriter review as it should be.
The formulaWhat it computes
The analysisWhat it actually did
Model
Result
the fast tier
scored 100.0%
the deliberating tier
scored 100.0%
In operationWhat to monitor
Reference standard: tools/build_corpus.py's gold large_deposit_flag, computed the identical way src/extract.py::compute() computes it -- from the same generated deposit lines the document states, using LARGE_DEPOSIT_THRESHOLD_USD=1000.0.
These rates are UNKNOWN, on purpose
This grader is scored against a mechanically-derived gold value (src/extract.py::compute(), the same pure-code path both the run and the gold set use), not against a second grader's judgement -- there is nothing here to publish an agreement rate against. What can go wrong is the corpus's own threshold placement, which tools/build_corpus.py's own verification pass checks against the same generated deposit amounts.
Watch these
large-deposit flag recall specifically -- 9 statements should be flagged this corpus, and missing one routes an undocumented large deposit past underwriter review
false positives among the 46 statements that should NOT be flagged, since a false positive costs a reviewer's time rather than a missed risk
whether a field-level miss (see the other grader) ever changes the flag -- it has not, on either tier, this run
Alarm on
Any large-deposit flag false negative, on any run -- a missed flag is the safety-critical failure this kit exists to catch, and recall was 100 pct on both tiers this run.
How tight can the band be? There is no tolerance band -- the flag is a binary confusion matrix (flagged/not flagged against gold), never a continuous quantity to round.
Cadence: Re-score on any change to LARGE_DEPOSIT_THRESHOLD_USD in src/extract.py or tools/build_corpus.py, or to data/fields.json's deposit fields. Re-run evals/run.py (paid) on any change to MAX_TOKENS or the provider/model.
The decisionWhen to reach for it
Use it
Gold's large_deposit_flag is computed the identical way from the same generated deposit lines the document states (LARGE_DEPOSIT_THRESHOLD_USD in tools/build_corpus.py, matching src/extract.py's own copy) -- true of every kit corpus, never true of a real loan program's own published threshold.
Do not use it
The true large-deposit determination is not known in advance, and a real program's own threshold has not been checked against this kit's flat $1,000 figure -- see Eval.could_not_verify.
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