@@ -0,0 +1,3 @@
+# ADR-0004: Daily simple Actual/365 interest
+
+Loan servicing accrues simple interest on outstanding principal for elapsed calendar days using Actual/365 and allocates payments to accrued interest before principal. It avoids compounding interest-on-interest, is deterministic across retries, and keeps the portfolio demonstration explainable. All intermediate calculations use `BigDecimal`; settlement values use currency minor units and HALF_EVEN rounding.
@@ -0,0 +1,3 @@
+# ADR-0005: Cash collateral LTV policy
+
+The demo policy uses 50% origination, 60% warning, 70% margin call, and 80% liquidation thresholds, with a 60% target after partial liquidation. Cash collateral is held in a wallet reservation. Foreign-currency cash is valued through a price-oracle port; the supplied adapter is simulated and records its policy version and quote timestamp. Stale or missing quotes suspend execution.
@@ -0,0 +1,5 @@
+# ADR-0006: GDPR retention and automated decisions
+
+Aggregates store opaque subject tokens only. Contract servicing uses Article 6(1)(b); statutory reporting and retention use the applicable legal obligation. A jurisdiction profile sets `retention_until` (the demo default is seven years after closure). Erasure pseudonymizes unnecessary linkage while retaining immutable financial facts under legal hold. Exports and restricted erasure ports support Articles 15/20 and 17.
+
+LTV warnings and liquidation are automated actions with financial effect. The system records reason codes and price/debt evidence, supports an analyst pause and dispute/override workflow, and uses compensating ledger entries for completed actions. Production activation requires a DPIA and jurisdictional legal review; this portfolio implementation does not assert regulatory certification.
Original file line number	Diff line number	Diff line change
`@@ -0,0 +1,3 @@`
	`1`	`+# ADR-0004: Daily simple Actual/365 interest`
	`2`	`+`
	`3`	+Loan servicing accrues simple interest on outstanding principal for elapsed calendar days using Actual/365 and allocates payments to accrued interest before principal. It avoids compounding interest-on-interest, is deterministic across retries, and keeps the portfolio demonstration explainable. All intermediate calculations use `BigDecimal`; settlement values use currency minor units and HALF_EVEN rounding.
Original file line number	Diff line number	Diff line change
`@@ -0,0 +1,3 @@`
	`1`	`+# ADR-0005: Cash collateral LTV policy`
	`2`	`+`
	`3`	`+The demo policy uses 50% origination, 60% warning, 70% margin call, and 80% liquidation thresholds, with a 60% target after partial liquidation. Cash collateral is held in a wallet reservation. Foreign-currency cash is valued through a price-oracle port; the supplied adapter is simulated and records its policy version and quote timestamp. Stale or missing quotes suspend execution.`